This agreement between (The Credit Grooming Company) (consultant) and you (the client), is a legally binding agreement. The Credit Grooming Company agrees to provide consultation to clients wishing to improve their personal credit, finances, knowledge of their credit rights, credit identity theft, choices and options and more. For any efforts to be effective, you (the client) must be truthful and diligent in giving the correct information to The Credit Grooming Company. The Credit Grooming Company reserves the right to cancel the agreement with any client it believes to be providing false or fraudulent information to us, its creditors or the credit bureaus.
Please note that we do not provide legal advice. We recommend that you consult your attorney and/or thoroughly read the Fair Credit Reporting Act or the Bill of Rights before you seek advice from one of our consultants. The Credit Grooming Company accepts no liability, nor responsibility for any damage or loss caused by your use or misuse of the information provided.
By federal law, you must know that YOU CAN DO THE CREDIT RESTORATION PROCESS YOURSELF. YOU ALSO HAVE 3 DAYS TO CANCEL THIS AGREEMENT, which must be done in writing and will discontinue the consulting process. You can read and review The Fair Credit Reporting Act and the Credit Repair Organizations Act at www.ftc.gov or by writing the FTC.
Please note that the agreed upon charge is for one or more of the following services: initial consultation, file preparation and credit audit; credit analysis; researching saws and documents; expertise and knowledge; reviewing credit reports; data processing; consulting and education; opting out process; preparing documents; the receipt of educational materials and our time.
Educational/informational materials and consultation will be given to you in one or more areas of credit: why you should have good credit, benefits, credit scoring, how to read your credit reports, how to improve your credit rating, and understanding the credit bureaus and credit restoration. We will also show you how to validate debt, a secret that Collection Agencies do not want you to know. We also educate you on prioritizing debt; what will help or hurt your credit, negotiate your debt properly and for less money; understanding all of your credit rights, options and choices. You will learn how to avoid being a victim of credit identity theft and what to do if you are a victim. You will learn how to establish or reestablish credit.