Description
Before we get into the complexities of credit repair, I think it wise that we understand the basics of credit.
Credit is the ability to obtain goods or services before making the full payment, based on the trust that payment
will be made in the future.
Defined in the Truth in Lending Act (15 U.S.C. §1601(f), the term “credit” means the right granted by a
creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
In this ebook, we will be going through the step-by-step process to understand and improve your credit.
We will take a look at the laws that govern credit reports and what should be included and excluded from
your credit reports. My belief is that understanding this information, you’ll be able to navigate the consumer
protection laws to effectuate deletions while building out your credit profile the way you want it.
Reviewing the following laws are key to your understanding and protecting your consumer rights:
1) 15 USC 1681 The Fair credit Reporting Act. “FCRA”
2) 15 USC 1692 The Fair Debt Collection Practices Act “FDCPA”
3) 15 USC 1601 The Truth in Lending Act “TILA”
Credit scores are used to determine your risk factor for future loans. The three-digit score attributed to you
by a credit bureau is a numerical representation that indicates how risky a borrower you are from a lender’s
perspective. A higher credit score can help improve the terms and conditions you qualify for.
For example, your credit scores impact the deals and interest rate you will receive when you buy a home,
finance a car, rent an apartment, buy insurance, purchase a cell phone, open a new credit card, and even
weighs in on whether you get the job you are applying for.
The first step to credit repair is understanding how credit reporting works.
Note. A lot of time we get caught up on the credit scores. However, the credit score is not as important as
the credit profile–the information contained on your credit profile that is used to generate the credit scores.
Shipping from China
China Shipping time will be within 7-10 days once payment is confirmed and order has been processed.
Shipping from USA
USA Shipping time is 3-5 days once payment is confirmed and order has been processed.
NOGARD REFUND, RETURN & SHIPPING POLICY
Risk Declarations
This is to inform our valued clients of the following information:
1. For orders that include designer items, once the purchased merchandise has been handed for shipping to the courier company and a tracking number has been provided for the package, Nogard Global will not be held liable for the safety of the goods. Upon payment through check out, the customers will be responsible for all the risks that the designer items might experience throughout the shipping process. This includes but is not limited to products being lost, mishandled, or seized by customs inspections.
2. As for the rest of our available items, Nogard Global will compensate you with a 20% discount for your next order; provided it is of the same category and same price as your previous order.
3. SIZE—All of our available footwear items follow the standard Euro sizing. Once your order has been confirmed and received, Nogard Global will not take any form of responsibility for all issues regarding the sizing of our item/s. In case you really need to change the size of your purchased item, please mail the wrong size goods to our address at your own cost.
Note: The customer will have to pay the total amount of shipping fee for the right size of the item/s from the factory.
4. QUALITY—The quality of the products are reasonable for the price you paid. With that being said, cancellation of orders are allowed base on our company policy.
NOTE: Furthermore, if all orders are confirmed by the customer, the company is not liable for any mistake unless it’s company’s fault.
For received products with quality issues, you may send it back by following return policy set by the company, otherwise keep the items.
The quality of the products are reasonable for the price you paid. With that being said, cancellation of orders are allowed base on our company policy. You may also upgrade the quality of the product to original or authentic quality and pay the difference before shipping the products.
Furthermore, if all orders are confirmed by the customer, the company is not liable for any mistake unless it’s company’s fault.
For received products with quality issues, you may send it back by following return policy set by the company, otherwise keep the items.
Delivery Time Frame
1. Order processing takes 3-5 days.
2. Your order’s tracking number will be available within the next 7-10 days; 7-15 days for Promotional Bags.
3. Delivery period may take 7-15 days. However, the actual delivery time frame remains dependent on the availability of flights for shipping couriers. You can check the progress of your order using the tracking number provided.
*Please note that the stated dates above are only estimated. Your tracking numbers and/or packages may arrive earlier than expected.
Order Cancellation Policy
1. Transaction Fees, a specific charge that Nogard Global has to pay for each customer’s electronic payment processing, will NOT be refunded under any circumstances. This fee is computed within the total amount of every checkout.
2. A 3% cancellation fee will be deducted from the total refund amount, after charges, for order cancellations requested within 2 days following the confirmation of payment.
3. A 10% cancellation fee will be deducted from the total refund amount, after charges, for order cancellations requested within 5 days following the confirmation of payment.
4. For orders that were already shipped upon cancellation request, the customer will not be eligible for any form of refund.
Return Policy
1. All goods subject to return should be sent back within 7 days from the day it was delivered.
2. The original packaging of the merchandise as it was received should remain entirely intact and free from distortion as to not affect the reselling of the item/s.
3. The Receiver is required to sign the return package to reduce the chances of lost and/or stolen item/s during shipping.
4. Nogard Global will only begin the processing of the refund upon receipt of the returned package. Note that all returned goods are still subject to the approval of refund request depending on the following factors: a) package must be complete, b) package must be in good condition as to not affect the reselling of the item/s, and c) package must be in original packaging.
5. A note indicating the following information is also a must for all return packages:
Order Group
Reason for Return
Returning Quantity
CHANGING OF ADDRESS POLICY.
1.) Changing of address once the package has been shipped is not prohibited but additional fees must be paid by the receivers. Failing to do so, may affect the relationship between the company and the customer.
Return Policy for AirPods
1. AirPods Pro
Malfunctioning AirPods Pro, directly reported to Nogard Global within 14 days of receipt, will be subject to replacement.
No refund request for AirPods Pro purchased through Nogard Global will be granted.
2. AirPods Gen2 UA
Only malfunctioning AirPods Gen2 UA, directly reported to Nogard Global within 14 days of receipt, will be subject to replacement. However, AirPods Gen2 UA orders exceeding 90 days can be subject to repair in our warehouse.
No refund request for AirPods Pro purchased through Nogard Global will be granted.
3. AirPods Gen2 1:1
No aftersales service and no refund request for AirPods Gen2 1:1 purchased through Nogard Global will be granted.
Apple Watch Policy
1. No refund requests for Apple Watches purchased through Nogard Global will be granted.
2. Apple Watches cannot be subject to replacement. However, repair requests in our warehouse may be available upon request. Terms and conditions apply.
3. Only Apple Watches that have functional defects and are returned for repairing purposes within 14 days will be accepted. Nogard Global will not be liable for any defect or issue on the Apple Watches purchased through our website after 14 days.
Refund Policy on Nogard Funnels
Refunds must be requested within 3 days of purchase. After 3 days there is no refund available for FUNNEL PACKAGES.
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