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Divine Stewardship Restoration

Compliance

Divine Stewardship & Restoration is committed to operating in full compliance with applicable federal and state laws governing credit reporting and consumer protection. As a provider of credit repair and financial consultation services, we maintain strict adherence to legal and ethical standards in every aspect of our operations.


Our services are structured to ensure transparency, consumer rights protection, and lawful dispute procedures.

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Compliance With Federal Credit Laws

Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act provides consumers with the legal right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Our services are designed to assist clients in exercising these rights through structured and compliant dispute processes.


We do not attempt to remove accurate and verifiable information from credit reports.

Credit Repair Organizations Act (CROA)

Under the Credit Repair Organizations Act, credit repair companies must operate transparently and provide clear disclosures.

In compliance with CROA:

- We do not guarantee specific credit score               increases.

-  We do not promise removal of accurate information.

-  We provide written service agreements outlining           fees and services.

- We honor cancellation rights as required by law.

- We do not collect advance fees before services are       performed, where prohibited by law.

Fair Debt Collection Practices Act (FDCPA)

Where applicable, we respect the guidelines established  by the Fair Debt Collection Practices Act. Our services  do not involve deception communication or harassment of creditors or collectors.

Transparency in Services

We are committed to full transparency in:
Service pricing
Payment terms
Scope of services
Expected timelines
Client responsibilities

All service terms are disclosed prior to enrollment.

Ethical Standards

Divine Stewardship & Restoration does not engage in:
Creation of new credit identities
Use of false Social Security numbers
Filing fraudulent disputes
Misrepresentation of credit history
Encouraging illegal practices

Our approach focuses solely on correcting inaccurate, outdated, or unverifiable reporting in a lawful manner.

More about compliance

As a financial services provider, we prioritize the protection of personal and financial information. We implement reasonable administrative and technical safeguards to protect client data in accordance with industry standards.

Consumers have the right to:
Obtain a free copy of their credit report annually
Dispute inaccurate information directly with credit bureaus
Cancel credit repair services within the legally required period

We encourage clients to fully understand their rights under federal law.

Our mission is to promote responsible credit education, lawful dispute management, and long term financial stability. We believe credit repair is about ensuring accuracy and compliance, not shortcuts.