ChalkUp Credit Solutions
ChalkUp Credit Solutions is a registered credit services organization operating under federal and North Carolina law. This page documents the regulatory framework governing all ChalkUp services, our business standing, our client rights obligations, and the boundaries of what ChalkUp does and does not do.
Last Updated: April 2026
ChalkUp Credit Solutions is a for-profit credit advocacy firm founded and operated by J. GonzalezRamos, Founder and Military Credit Advocate. ChalkUp is based at 13 Market Loop, Fort Bragg, NC 28307, serving active-duty service members, veterans, military families, and general consumers in North Carolina and remotely in additional states.
Legal business name: ChalkUp Credit Solutions
Principal office: 13 Market Loop, Fort Bragg, NC 28307
Jurisdiction of formation: North Carolina
Primary contact: J. GonzalezRamos
Contact: (910) 282-3266 | [email protected]
ChalkUp Credit Solutions is not a law firm, a debt settlement company, a consumer credit counseling agency, or a financial planning firm. ChalkUp is a credit services organization as defined under 15 U.S.C. Section 1679a and N.C. Gen. Stat. Section 66-220.
15 U.S.C. Sections 1679–1679j | Enforced by: FTC and CFPB
The Credit Repair Organizations Act is the primary federal law governing credit services organizations. ChalkUp operates in full compliance with all CROA provisions.
What CROA requires of ChalkUp — and how ChalkUp complies:
CROA prohibits credit repair organizations from charging or receiving any payment for services before those services are fully performed. ChalkUp's billing structure is designed to comply with this requirement — fees are charged for services rendered, not for services promised. Clients are not billed in advance for dispute work not yet completed.
CROA requires a written contract before any services are performed, covering the services to be provided, the total cost, the timeframe, and the client's rights. ChalkUp provides a written service agreement to every client before any work begins. The agreement includes all CROA-required disclosures.
Every client has the right to cancel their ChalkUp service agreement within three business days of signing, without penalty and without any payment obligation. This right is stated in the service agreement and exercisable in writing by mail, email, or any other written method.
CROA prohibits credit repair organizations from making untrue or misleading statements about their services or their ability to improve a consumer's credit profile. ChalkUp does not guarantee specific credit score increases, specific item removals, loan approvals, or other credit-dependent outcomes. All ChalkUp communications — website content, client agreements, advertising, and verbal representations — are reviewed to ensure they do not imply guarantees that CROA prohibits.
ChalkUp does not advise, instruct, or assist any client in making untrue or misleading statements to credit bureaus, creditors, or any other party. All dispute procedures used by ChalkUp are based on factual documentation and legal rights under the FCRA.
ChalkUp does not advise, assist, or participate in any attempt to create a new credit identity for a client through a new EIN, a new Social Security Number, or any other fraudulent means. This practice — known as credit profile number (CPN) fraud — is a federal crime. ChalkUp has no involvement in it.
CROA requires that clients be informed of their right to dispute inaccurate information on their credit reports independently, at no cost, by contacting credit bureaus directly. This disclosure appears in ChalkUp's service agreement, on relevant pages of this website, and in client communications.
15 U.S.C. Section 1681 et seq. | Enforced by: FTC and CFPB
The FCRA governs how credit bureaus collect, maintain, and report consumer credit information, and establishes the rights of consumers to access, dispute, and correct that information. ChalkUp's dispute services operate within the FCRA framework.
ChalkUp exercises clients' FCRA rights to dispute inaccurate or unverifiable information with credit bureaus and furnishers. Bureaus are required to investigate disputes within 30 days (or 45 days if additional information is submitted during the window).
If a furnisher or bureau verifies that disputed information is accurate, ChalkUp does not dispute that information again without new supporting evidence or documentation. Filing repeated disputes on verified, accurate information without new basis is not a legitimate FCRA procedure and is not a practice ChalkUp employs.
ChalkUp does not dispute, or assist clients in disputing, information that ChalkUp knows to be accurate and properly documented. The FCRA does not authorize the removal of accurate information — only inaccurate or unverifiable information. ChalkUp's dispute process is based on documentation, legal rights, and factual accuracy — not volume or persistence alone.
ChalkUp accesses consumer credit reports only with the client's explicit written authorization, as required under FCRA Section 604.
50 U.S.C. Section 3901 et seq. | Enforced by: DOJ
ChalkUp provides SCRA documentation and enforcement correspondence services to active-duty service members. This includes:
Important: ChalkUp's SCRA services are documentation and advocacy services — not legal representation. Legal enforcement of SCRA rights through the courts, through the DOJ Civil Rights Division, or through other legal channels requires JAG Legal Assistance or a licensed consumer attorney. ChalkUp refers clients to those resources when legal enforcement is required.
10 U.S.C. Section 987 | Enforced by: CFPB and DOD
ChalkUp provides education and documentation support related to MLA protections for active-duty service members and their dependents. ChalkUp's MLA-related work includes:
Important: ChalkUp does not adjudicate MLA violations, does not represent clients in legal proceedings, and does not provide legal advice on MLA enforcement strategy. MLA violations that may render a loan agreement void or unenforceable require legal counsel — ChalkUp identifies and refers, it does not litigate.
16 C.F.R. Part 310 | Enforced by: FTC
If ChalkUp uses telemarketing to reach prospective clients, all outreach complies with the TSR, including the prohibition on advance fee collection for credit repair services sold over the phone. ChalkUp does not charge clients before services are rendered, consistent with both CROA and TSR requirements.
N.C. Gen. Stat. Sections 66-220 through 66-226
North Carolina regulates credit repair organizations under the Credit Repair Services Act. ChalkUp Credit Solutions operates in compliance with all applicable provisions of that statute.
North Carolina requires credit repair organizations to maintain a surety bond of not less than $10,000 with the North Carolina Secretary of State before performing any credit repair services. ChalkUp maintains the required surety bond. Bond information is available upon request.
North Carolina law requires that all credit repair service agreements be in writing, signed by the client, and include: a full description of services to be performed, the total cost, the estimated timeframe, the client's right to cancel within three business days (consistent with CROA), and a full refund right within 10 days of signing if the client cancels. ChalkUp's service agreement satisfies all of these requirements.
Consistent with CROA, North Carolina law prohibits credit repair organizations from charging clients before services are fully performed. ChalkUp's billing practices comply with this requirement.
North Carolina law prohibits the same deceptive and fraudulent practices prohibited under federal CROA — false or misleading representations about services, advising clients to make false statements to bureaus or creditors, and attempting to create a new credit identity. ChalkUp does not engage in any of these practices.
ChalkUp serves clients in multiple states. State credit services statutes vary. Where ChalkUp serves clients in states with their own credit repair registration, bonding, or licensing requirements, ChalkUp complies with those requirements or limits service availability accordingly. Prospective clients in states not covered by current ChalkUp registration are informed of any service limitations at the time of inquiry.
This section exists because the credit services industry has a documented history of fraud and deception. Prospective clients, referral partners, chamber reviewers, and lenders are entitled to a direct statement of practices ChalkUp does not engage in — not as a disclaimer, but as an operational commitment.
No specific credit score increase, item removal, loan approval, security clearance outcome, or debt reduction is promised or implied. Results depend on the accuracy of information provided, the responsiveness of credit bureaus and furnishers, the legal merit of disputes, and factors outside ChalkUp's control.
No deposit, no advance fee, no retainer for future unperformed dispute work. Services are billed for work done — not work planned.
If a reported item is factually accurate and properly documented by a furnisher, ChalkUp does not dispute it on the grounds that the client wants it removed. The FCRA does not authorize removal of accurate information. ChalkUp tells clients this directly.
CPN fraud — using an EIN or fabricated number to create a new credit profile — is a federal crime. ChalkUp has no involvement in it and will not engage with any client or partner that requests it.
ChalkUp is not a law firm. Guidance on how to invoke SCRA rights, how to use FCRA dispute procedures, and how to document MLA violations is advocacy and educational support — not legal representation. When a situation requires a licensed attorney or JAG Legal Assistance, ChalkUp says so and provides the referral.
ChalkUp's referral relationships with mortgage lenders and real estate professionals are structured around returning credit-ready clients to referring partners. ChalkUp does not receive compensation for directing a client to a specific lender, insurer, or financial product.
All marketing materials, website content, expert commentary, and client communications are reviewed for accuracy. Outcome claims in case scenarios are anonymized, disclaimed, and framed as illustrative — not as typical or representative results.
Every ChalkUp client receives a written service agreement before any services begin. The agreement includes:
Copies of the standard service agreement are available for review upon written request from licensed lenders, regulatory agencies, or legal counsel conducting due diligence.
ChalkUp handles sensitive personal and financial information — Social Security numbers, credit reports, military orders, account statements — under strict data security protocols. Client data is stored using encrypted systems. Client information is not sold, shared with advertisers, or disclosed to third parties except as required to perform contracted services or as required by law. Full data handling practices are described in the Privacy Policy at chalkupcreditsolutions.com/privacy-policy.
The following rights apply to every ChalkUp client under federal law. They are stated in your service agreement and repeated here for transparency.
You may cancel your ChalkUp service agreement within three business days of signing, without penalty and without any payment obligation, by sending written notice to ChalkUp Credit Solutions at 13 Market Loop, Fort Bragg, NC 28307 or by email to [email protected].
You may contact Equifax, Experian, and TransUnion directly to dispute inaccurate information on your credit reports, free of charge, without using ChalkUp's services. Instructions for doing so are available at annualcreditreport.com and on each bureau's website.
ChalkUp cannot guarantee specific outcomes. If ChalkUp or any representative of ChalkUp makes a guarantee or promise about a specific credit score increase, item removal, or loan approval, you are entitled to request that statement in writing. If it cannot be put in writing consistent with these compliance terms, it is not an accurate representation of ChalkUp's services.
A signed copy of your service agreement is provided to you at the time of signing. If you need an additional copy, contact ChalkUp directly.
Complaints about ChalkUp's services may be filed with:
| Agency | Contact |
|---|---|
| Consumer Financial Protection Bureau (CFPB) | consumerfinance.gov/complaint / 855-411-2372 |
| Federal Trade Commission (FTC) | reportfraud.ftc.gov |
| North Carolina Attorney General — Consumer Protection | ncdoj.gov / 919-716-6000 |
| Better Business Bureau — Eastern NC | bbb.org |
Lenders and real estate agents considering a referral relationship with ChalkUp Credit Solutions are entitled to the following information as part of their due diligence.
ChalkUp is a licensed credit services organization under North Carolina law, bonded per N.C. Gen. Stat. Section 66-222, and operating in compliance with federal CROA, FCRA, SCRA, and MLA requirements. Documentation of surety bond and business registration is available upon written request.
ChalkUp does not pay referral fees to lenders or real estate agents. The referral relationship is structured as a credit-to-closing partnership — referring partners send clients who are not yet mortgage-ready, ChalkUp works the credit file, and clients return to the referring partner when they reach the target approval threshold. No financial payment changes hands in exchange for referrals.
ChalkUp does not direct clients to specific lenders or real estate agents for compensation. When a client is credit-ready, they are returned to the partner who referred them — not steered to a competitor or a partner that pays for the referral.
ChalkUp provides documented progress. At the conclusion of ChalkUp's engagement or upon a client's return to the referring lender's pipeline, documentation of the dispute process, corrections made, and current credit status is available to support the loan file — with the client's written authorization.
Referral partner agreements are available in writing. Any lender or real estate agency entering a referral relationship with ChalkUp receives a written agreement documenting the terms of the relationship, the absence of compensation, and the mutual obligations of both parties.
For lender and partner due diligence inquiries:
J. GonzalezRamos
Founder & Military Credit Advocate, ChalkUp Credit Solutions
The following agencies have regulatory authority over ChalkUp's operations or over the laws under which ChalkUp operates. Each is listed with its primary resource for consumers and partners.
| Agency | Jurisdiction | Contact |
|---|---|---|
| Consumer Financial Protection Bureau (CFPB) | CROA, FCRA, MLA federal enforcement | consumerfinance.gov / 855-411-2372 |
| Federal Trade Commission (FTC) | CROA, FCRA, TSR federal enforcement | ftc.gov / reportfraud.ftc.gov |
| Department of Justice — Civil Rights Division | SCRA civil enforcement | justice.gov/servicemembers |
| North Carolina Attorney General | NC Credit Repair Services Act enforcement | ncdoj.gov / 919-716-6000 |
| North Carolina Secretary of State | Business registration and surety bond records | sosnc.gov |
| Department of Veterans Affairs | VA loan program and lender oversight | benefits.va.gov/homeloans |
| Department of Defense — MLA | MLA borrower database and lender compliance | militaryonesource.mil / defensetravelsite.com |