About

Tri-level Financial LLC, based in the heart of Toledo, Ohio, stands as a beacon of hope and guidance in the complex world of credit repair and mortgage lending. Founded by a passionate credit repair specialist and mortgage loan originator, our company is more than just a financial service provider; it's a partner in empowering financial freedom.

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Mission and Values

Our mission is simple yet profound: To provide comprehensive credit repair solutions and insightful mortgage advice tailored to each client's unique circumstances. Integrity, transparency, and education are the pillars of our approach, ensuring that every client not only achieves their financial goals but also understands the journey.

Community Involvement

As a local business, we are deeply invested in the Toledo community. Our commitment goes beyond financial services; we actively participate in community events and initiatives, contributing to the economic and social well-being of our neighbors.

Services and Expertise

Specializing in credit repair, we offer an array of services from detailed credit analysis to customized dispute form templates. Our expertise extends to mortgage lending, where we guide clients through the intricacies of home financing, making homeownership a reality for many.

Commitment to Education

Education is at the heart of what we do. We believe in not just rectifying credit issues but in teaching our clients the nuances of credit management. This educational approach sets us apart, transforming our clients into informed consumers.

Why Choose Us

Choosing Tri-level Financial LLC means opting for a partner who values your financial health as much as you do. With our personalized services, deep industry knowledge, and unwavering dedication, we are not just fixing credit scores; we are building financial futures.

Tri-level Financial LLC - NMLS #2507499

Ohio Credit Service Organization License #CS.900382.000

Ohio credit repair companies are legally not allowed to promise any specific results.

DISCLAIMER

At Tri-Level Financial LLC, we are dedicated to providing reliable and effective credit repair services to our clients. It's important to note that our company does not provide legal advice or guarantee specific results. The information and recommendations we offer are based on our experience and best practices in the credit repair industry.
We encourage all clients to consult with a qualified attorney or financial advisor regarding their individual credit situation and any potential legal implications. Additionally, while we strive to assist our clients in improving their credit profiles, the success of our services depends on various factors, including the accuracy of the information provided by the client and the actions of creditors and credit bureaus.
It's essential for our clients to understand that credit repair is a complex process, and results may vary from person to person. We cannot guarantee specific outcomes within a set timeframe, as credit repair timelines can differ depending on individual circumstances.
Tri-Level Financial LLC is committed to upholding the highest standards of professionalism and ethical conduct in all our interactions with clients. We adhere to all relevant laws and regulations governing the credit repair industry and strive to provide transparent and accurate information to help our clients make informed decisions about their credit.
We advise all clients to thoroughly review and understand our service agreements and the terms and conditions of any credit repair programs before enrolling. Our team is available to address any questions or concerns our clients may have about our services, and we are dedicated to working diligently to help our clients achieve their credit goals.
Thank you for choosing Tri-Level Financial LLC for your credit repair needs.

Confidentiality and Privacy Policy

1. Introduction

Tri-level Financial LLC is committed to safeguarding the confidentiality and privacy of client information. This Confidentiality and Privacy Policy outlines our dedication to protecting the sensitive data entrusted to us by our clients and ensuring compliance with all relevant federal and state laws and regulations.

2. Policy Objective

The objective of this policy is to establish and maintain procedures that protect the confidentiality and privacy of client information, including personally identifiable information (PII) and financial data.

3. Scope

This policy applies to all employees, contractors, vendors, and third parties with access to client information in the course of their duties for Tri-level Financial LLC.

4. Confidentiality and Privacy Procedures

4.1. Client Data Handling

4.1.1. Access Control: Access to client data will be restricted to authorized personnel only, based on the principle of least privilege.

4.1.2. Data Encryption: Sensitive client data will be encrypted when in transit and when stored on our systems.

4.1.3. Secure Storage: Physical and electronic client data will be stored securely to prevent unauthorized access.

4.2. Confidentiality Agreements

4.2.1. Confidentiality Agreements: All employees and third parties handling client data will be required to sign confidentiality agreements, which outline their responsibilities to protect client information.

4.2.2. Training: All employees will receive training on the importance of maintaining client confidentiality and privacy.

4.3. Data Access and Disclosure

4.3.1. Client Consent: Client data will not be disclosed to third parties without the explicit consent of the client, except as required by law or regulation.

4.3.2. Legal Requirements: In cases where client data must be disclosed due to legal requirements, we will do so in compliance with applicable laws and regulations.

4.4. Data Retention and Disposal

4.4.1. Data Retention: Client data will be retained only for the period necessary to fulfill the purposes for which it was collected or as required by applicable laws.

4.4.2. Secure Disposal: When client data is no longer required, it will be securely disposed of to prevent unauthorized access.

4.5. Incident Response

4.5.1. Data Breach Response: In the event of a data breach or suspected data breach, we will follow established incident response procedures to mitigate the impact and notify affected clients and regulatory authorities as required by law.

4.6. Compliance Oversight

4.6.1. Compliance Officer: A Compliance Officer will be appointed to oversee the implementation of this policy and ensure ongoing compliance with confidentiality and privacy requirements.

5. Review and Update

This Confidentiality and Privacy Policy will be reviewed annually and updated as needed to align with changes in regulations and industry best practices.

6. Enforcement

Non-compliance with this policy may result in disciplinary action, including termination of employment or contracts.

7. Contact Information

For questions or concerns regarding confidentiality and privacy, please contact the Compliance Officer at Trilevelfinancial@gmail.com.

Consumer Credit File Rights under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date that you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then re-investigate and modify or remove inaccurate or incomplete information.

The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureau and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington DC 20580.