Who actually performs the credit-repair work?

Credit-repair, dispute, and CFPB-workflow services are performed by an independent, licensed and bonded third-party Credit Repair Organization. Magnara Global operates the client-intake and coordination desk. A written service agreement and all required disclosures are provided before services begin.

Do I have to give you my credit-bureau or CFPB passwords?

No. We never ask for your login, password, PIN, or security-question answers. Your file is reviewed from the credit report you upload and the authorization you provide.

What are my rights under the law?

Under CROA you may cancel a credit-repair contract without penalty within 3 business days, and no fees may be charged before services are performed. Under the FCRA you may dispute inaccurate information yourself, free of charge, directly with the bureaus.

What documents do I need?

A government-issued photo ID (front and back), Social Security verification, a current proof of address dated within 60 days, and your tri-bureau or monitoring credit report (PDF).

Credit Counseling Client Intake

Client Information

Legal identity and contact details, exactly as they appear on your government-issued ID.

First Name *

Required

Middle Name optional

Last Name *

Required

Suffix optional

Date of Birth *

Required

Social Security Number *

Full SSN required for credit-file matching · Encrypted at rest · reviewer access only.

Required

Mobile Phone *

Required

Email *

Valid email required

Preferred Contact Method *

Required

Current Residence

Your current residential address for identity and credit-file verification.

Current Residential Address *

Required

Apt / Unit optional

City *

Required

State *

Required

ZIP *

Required

Current Since *

Required

Housing Status *

Required

Address History & Identifiers

Complete any previous address used within the last 5 years, plus any name variations.

Previous Address 1

Street Address if applicable

Apt / Unit

City

State

ZIP

From

To

Previous Address 2

Street Address if applicable

Apt / Unit

City

State

ZIP

From

To

Name Variation / Alias / Maiden Name optional

Mailing Address (if different) optional

Required Documents

Upload clear images or PDFs. For your security, upload here only — never email or text identity documents.

Photo ID Type *

Required

Government-Issued Photo ID — Front & Back Required

Current and unexpired · Front required, back recommended · PDF/JPG/PNG

Tap to upload · Front and back

This document is required.

Social Security Verification Required

Social Security card preferred; approved official verification accepted if the card is unavailable · PDF/JPG/PNG

Tap to upload

This document is required.

Current Proof of Address Required

Dated within 60 days, showing your name and current address · Utility, mobile/internet, bank, lease, or government statement · PDF/JPG/PNG

Tap to upload

This document is required.

Credit Report

Upload your current tri-bureau credit report or credit-monitoring report (PDF). Download it yourself from annualcreditreport.com, Experian, or your monitoring service. We never ask for your login, password, PIN, or security answers.

Credit Report — All 3 Bureaus optional

Full tri-merge or monitoring report · PDF. Helpful for review — but you can submit without it and provide it later.

Tap to upload · PDF export of your report

Credit Background

Helps our review partner understand your file.

First time using a credit repair service? *

Required

Prior disputes within the last 24 months? *

Required

Identity theft or fraud involved? *

Required

Active bankruptcy or recent discharge? *

Required

Fraud alert or credit freeze active? *

Required

Name/address variations not listed above? *

Required

Primary Credit Goals & Priority Items *

Required

Known Inaccurate Accounts, Collections, Inquiries, or Notes optional

Review Summary

Please review before submitting.

Service Provider Disclosure

Magnara Global operates the client-intake and coordination desk. Credit-repair, dispute, and CFPB-workflow services are performed by an independent, licensed and bonded third-party Credit Repair Organization ("Service Partner") — not by Magnara Global. This form collects information so the Service Partner can review your file. A separate written service agreement and all disclosures required by law will be provided by the Service Partner and must be signed before any services begin.

Your Rights & Regulatory Disclosures

Credit Repair Organizations Act (CROA) — Right to Cancel & No Advance Fees

Under the federal Credit Repair Organizations Act (15 U.S.C. §1679 et seq.), you have the right to cancel your contract with any credit repair organization, without penalty or obligation, within 3 business days of signing it. A credit repair organization may not charge or collect any fees before the promised services are fully performed. Before you sign a service contract, you will receive the separate written statement "Consumer Credit File Rights Under State and Federal Law."

No Guarantee of Results

This is an intake and document-collection form only. It is not a service contract, legal advice, or a guarantee of any deletion, score increase, approval, or other outcome. Accurate, current, and verifiable information generally cannot be removed from a credit report.

Fair Credit Reporting Act (FCRA)

You have the right to dispute inaccurate or incomplete information in your credit file directly with the credit bureaus and furnishers yourself, free of charge. You are not required to use a third party to do so.

Gramm-Leach-Bliley Act (GLBA) — Data Security

Your nonpublic personal information is handled under our privacy safeguards and applicable law. Sensitive fields are encrypted at rest. Do not transmit full SSNs, passwords, or identity documents by unsecured email or text — upload them here only.

We Never Request Account Credentials

Magnara Global and its Service Partner will never ask for your credit-bureau, CFPB, or credit-monitoring login, password, PIN, or security-question answers. Review is performed from the report you upload and the authorization you provide.

Equal Credit Opportunity Act (ECOA)

Any credit decisions made by third parties are made without regard to race, color, religion, national origin, sex, marital status, age, or because you receive public assistance.

Client Certification & Limited Authorization

I certify the information and documents provided are true, accurate, and complete to the best of my knowledge. I authorize Magnara Global and its permitted Service Partner to review the credit report, identity documents, and information I voluntarily provided for intake, analysis, and client-directed dispute or CFPB-workflow support. I understand results are not guaranteed and that accurate, verifiable information may remain on my report. I understand identity documents and sensitive information should be transmitted and stored securely.

Typed Signature (Full Legal Name) *

Required

Date *

Required

I have read and agree to the disclosures above and consent to Magnara Global sharing my information with its licensed Service Partner for the purpose described.

Client information

Government-Issued Photo ID — Front & Back Required

Social Security Verification Required

Current Proof of Address Required

Credit Report — All 3 Bureaus optional

Service Provider Disclosure

Your Rights & Regulatory Disclosures

Intake Received

Common questions