CREDIT COUNSELING AGREEMENT AND ENROLLMENT

Classy Queen Consultants, LLC

100 Juniper Street

Philadelphia, PA 19107

T: 215-642-8965  

Website: www.ClassyQueenConsultants.com

Email: consult@classyqueenconsultants.com 

OVERVIEW

Congratulations on taking the necessary step to improve your credit! We treasure your interest in signing up with Classy Queen Consultants, LLC and look forward to working with you.

The Enrollment Fee ($249 for an individual / $349 for couples) covers the cost of your credit analysis. Your monthly investment payment will be $129/month. 

There is NO CONTRACT. You can cancel your enrollment when you've reached your goals.

 

INSTRUCTIONS

Please complete the application and follow the steps below to enroll in our program. Please be sure to read the following information thoroughly and in its entirety before submitting your enrollment application. 

1. You must be enrolled and willing to commit to a minimum of 6-9 months in our program. Please note service times will vary.
2. To ensure there are no typos in the information below, please double check all data before you hit the submit button.
3. Do not enroll if you have an active bankruptcy as we will not be able to help since bankruptcies are public records and can be accessed through pacer. Dismissed/Discharged bankruptcies are OK.
4. Do not enroll if all you have no late payments and hard inquiries and no actual negative accounts. We do not accept clients who have 0 negative accounts.
5. Do not enroll if you are not able to complete your on-boarding within 3 businesss days of enrolling. It takes about no more than 15 minutes to complete on-boarding. If it’s going to take you longer than 3 business days, please wait until you have time to complete the process.
6. If you are currently behind on paying your bills we do not want our services to be another bill added on as a burden for you. Old accounts are fine. But if you are behind on your current accounts, please allow three (3) months of timely payments before enrolling.
7. You agree not to apply for any new accounts during the time you are enrolled in our program without discussing it with your consultant first. 
8. You agree not to use your credit cards during this process (if you have any). It will work in the best interest of this process that you only pay the balances down. Your credit utilization will cause your credit score to decrease drastically if you are using your available credit limit. BE CARFEUL!
9. You agree to obtain and maintain an online 3-score credit monitoring service with our PREFERRED site SmartCredit. This is REQUIRED while enrolled in our program and included with your monthly services!  

PRIVACY POLICY

Classy Queen Consultants, LLC is required by law to inform our clients of our policies regarding privacy of customer information. Therefore, we are providing you with a copy of this policy. 

NON-PUBLIC PERSONAL INFORMATION: Classy Queen Consultants, LLC collects private, personal information about you that is provided by you or obtained by us on your behalf with information you provide to us. 

DISCLOSURE OF CLIENT INFORMATION: We do not and will not disclose our client’s private (non-public) personal information obtained in our process to any third party, except as required by law. No third party will obtain information about you from Classy Queen Consultants, LLC without your written consent.   

CONFIDENTIALITY & SECURITY OF CLIENT INFORMATION: Classy Queen Consultants, LLC retains records relating to professional services that we provide so that we are able to assist you in your needs. To safeguard your personal information we maintain physical, electronic and procedural methods that comply with our professional standards. If you have any questions, please contact us at 215-642-8965 or by email at consult@classyqueenconsultants.com because your privacy and our professional ethics are most important to us.   

 

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within five (5) business days after the date the contract is signed. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or other written notice to: Classy Queen Consultants, LLC, 1626 Locust Street, Philadelphia, PA 19103. 

 

LIMITED POWER OF ATTORNEY

I do hereby grant a limited power of attorney to Classy Queen Consultants, LLC and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax, Experian and TransUnion. 

 

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have the 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 the 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 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.  To receive a free copy of your credit reports, go to: www.annualcreditreport.com.

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.  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 the information in your credit file. The credit bureau must then 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 to 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. 

TERMS & CONDITIONS

By clicking "Submit Payment and Enroll", you do understand that you are authorizing Classy Queen Consultants, LLC to contact you about credit services by a live agent, artificial or pre-recorded voice and SMS text at the number you've provided, and by email.

I authorize the above-named business to charge the credit card(s) indicated in this authorization form according to the terms outlined above. I understand that this authorization will remain in effect until I cancel it in writing, and I agree to notify the business in writing of any changes in my account information or termination of this authorization at least 30 days prior to the next billing date.  If the above noted payment dates fall on a weekend or holiday, I understand that the payments may be executed on the next business day.  If the charge to the primary credit card fails for any reason, I agree that the secondary account will be charged.  This payment authorization is for the type of bill indicated above. I certify that I am an authorized user of this credit card(s) and that I will not dispute the payments with my credit card company provided the transactions correspond to the terms indicated in this authorization form.

CANCELLATION AND TERMINATION

You are solely responsible for properly canceling your account. An e-mail or phone request to cancel your account is NOT CONSIDERED CANCELLATION. You can cancel your account at any time by clicking on the link: Cancel Services