Credit Restoration Services

FI CREDIT FINANCIAL INTAKE

2162 E14TH ST

San Leandro, CA 94577

Phone: (510)764-8833

Dear Client

Name

First Name Last Name

Thank you for retaining FI Credit financial to help improve your credit rating. We understand that the process of working to improve your credit can be confusing and difficult at times. So, in order to ensure that you completely understand the process, please read the following pages carefully. Upon review, complete all enclosed paperwork and return it to us with proper documentation and payment.

Please be sure to email us copies of all correspondence you receive from the Credit Bureaus after you retain us. The information contained in the reports you receive from the Credit Bureaus is essential to proceed in improving your credit rating. Email at fitaxcreditinfo@gmail.com

We look forward to helping you to restore your credit to a good standing and feel confident that you are making the right choice by hiring our company.

Best Regards,

Angel Armstrong Owner/Credit Consultant

In order to begin the process of improving your credit rating, please send us the following via Tex or email.

• Copy of utility bill with your name

• Government-issued ID.

• SSN Card

There is a one-time monthy fee depending on which package you choose The fee includes a detailed review of each of your 3 major credit reports. The goal is to evaluate each individual plan of attack that will give us the greatest opportunity for success. The methods of payment are as follows: Credit/Debit Cards, Zelle, Cashapp or Paypal

zelle phone number 510283-1698

cash app $foreverfabillusion

paypal allthingsfabinfo@gmail.com

request a paypal invoice

Remember:

1. Do not send anything to or talk to the Credit Bureaus while we are working on your file unless instructed otherwise.

2. Do not send anything or talk to your Creditors while we are working on your file unless instructed otherwise.

3. Email ALL correspondence from Creditors and the Credit Bureaus to us when you receive it in the mail. If you do not receive these updates, it is your responsibility to contact us and tell us you haven’t received it. You will receive updated credit reports and other types of correspondence from the credit bureaus within 30-45 days. If we do not receive your credit reports in a timely fashion, we can not work on your credit files, which will delay your progress.

Do not talk to creditors unless you intend to pay your balances owed in full. We suggest you retain our services to settle each unpaid collection account. We have extensive experience in getting collection agencies to agree to delete the account from the credit report with payment. At a minimum, the best possible settlement will be negotiated. Only enter spouse information if your spouse is retaining us also.

This agreement is in response to the undersigned (Hereby referred to as "the Client(s)") desire to hire ARFG. By signing this agreement, "the Client(s)" agrees that they read and fully agree with all terms contained in this contract. This agreement covers all representations made by ARFG. and "the Client(s)" and can only be modified in writing by both parties. If "the Client(s)"has any addendums or changes, "the Client(s)" must contact us with modifications before signing this contract. We have successfully helped many clients improve their credit in the shortest time possible. This consulting agreement is by and between "the Client(s)" and Fi credit financial:

This consulting agreement is by and between "the Client(s)" and: FI Credit financial

We have successfully helped many clients improve their credit in the shortest time possible.

You understand that we do not keep copies of all of the paperwork you forward to us. Due to confidentiality and security reasons, a very limited amount of information is kept in your physical file. All other paperwork is shredded. It is your responsibility to keep copies of any paperwork that you may want to reference at a later date.

You understand that you should not send original court documents or collection notices to us. Only send copies of documents that will support your case (i.e. proof of payment, court dismissal documents, etc.). We are not acting as your legal guardian in any way and it is your responsibility to seek outside legal assistance if the need ever arises for an Attorney needed to protect your rights.

(a) Disclosure Required. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:

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 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 reinvestigate 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 bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580'.

Clients Full Name

First Name Last Name

Signature

Clear

I. PRINCIPAL AND ATTORNEY-IN-FACT

I hereby appoint ARFG to serve as my attorney-in-fact, to act for me in any lawful way with respect to the subjects indicated below.

II. EFFECTIVE TIME

This shall become effective immediately and shall continue to be effective on an as need basis I give written notice of cancellation to the address listed above.

III. Permission to work on your behalf

My attorney-in-fact shall have the power to act in my name, place and stead in any way which I myself could do with respect to the following matters to the extent permitted by law:

The power to: Act on my behalf in negotiating payment terms with my creditors and also the power to submit letters on my behalf to all credit bureaus and receive documents that relate to my credit and credit history; that shall include credit reports, prior dealings with creditors and settlement offerings made by creditor.

IN WITNESS WHEREOF, the undersigned has executed this on the date set forth below.

Name

First Name Last Name

Signature

Clear

First Name:

MI

Last Name:

Maiden Name:

Current Address:

City:

State

Zip:

PreviousAddress:

(If less than 3 years)

Home Phone:

Mobile Phone:

Work Phone:

Fax Number:

Email 1:

example@example.com

Date of Birth:

Date

Social Security Number:

Employed By:

Referred By:

Reason for Credit Repair:

Have you or your spouse ever used a credit repair company to dispute any accounts before?

Have you are your spouse ever used a credit repair company to dispute any accounts before?

Yes No

Name of Company:

If yes for the prior questions

When? Date or Year disputed?

What accounts disputed?

What accounts were disputed?

Have you or your spouse personally disputed any accounts on your credit report before?

Yes No

If yes,

When? Date or Year disputed?

What accounts disputed?

What was said in the disputes?

Are you planning on making any large purchases on your credit cards even though you will pay it offin a short time?

Yes No

This is an important question because your utilization ratio can increase and reduce scores during our process increasing your credit score.

Please write your initial that you understand this.

Sign:

Clear

Date:

Date

If applying with your spouse/significant other, you will need separate applications.

This privacy notice explains Fi credit financial privacy policies and practices, the type of information we collect, and how you can direct us not to share certain information with third parties. The practices described in this policy are applicable to current and past clients that do business with Fi credit financial. The policy also explains how Fi credit financial protects the Confidentiality and security of our client’s information.

1. Fi Credit financial collects non-public personal information about you from the following sources:

a. Information we receive from your application with Fi Credit FINANCIAL

b. Information we receive from the Credit Bureaus

c. Information we receive from our affiliates or other third parties

2. Fi tax credit financial will not disclose non-public personal information about you without written authorization.

3. To protect your non-public personal information, we maintain physical and procedural safeguards that comply with federal guidelines.

I have read and received a copy of the Privacy Notice on the date described below.

Signature

Clear

Credit Consultation https://calendly.com/fitaxcreditinfo/15min

PLEASE UPLOAD ALL DOCUMENTS

FI CREDIT FINANCIAL

Correspondence with Creditors

CREDIT REPAIR ORGANIZATIONS ACT

Consumer Credit File Rights under State and Federal Law

Fi CREDIT FINANCIAL

Permission Form

Credit Restoration Application

PLEASE PRINT

Privacy Notice