Credit Repair Service Agreement
A. This Credit Repair Agreement between AGENT and above mentioned CLIENT. "Client" (refers to both in case of a couple), and is for the purpose of purchasing credit report repair and improvement services (the "Services").
The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the Client states appears on the credit reports which the Client has furnished AGENT.
This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated or erroneous information must be removed from consumer credit reports by reporting agencies.
AGENT agrees to use their best efforts to provide the Services, and will perform them in accordance with federal and state laws.
B. Fees. CLIENT understands and agrees to be responsible for and pay the fees associated with Services as listed on the order form.
C. Money Back Guarantee: In the event no items are removed, we will provide a 100% money back refund.
D. Credit Application. The Client shall not apply for any type of credit until they have completed the process and failure to comply shall void any and all guarantees. If the Client fails to comply with our expressed request and applies for any credit and is denied, we cannot be held responsible for additional negative remarks and the direct influence this might have on your credit score.
E. Client Responsibility. The client will submit a copy of their driver's license, SSC and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..)
The client is also responsible for following up with the credit reporting agencies by phone to confirm the receipt of letters and to correct incorrect/outdated information.
Phone calls will not be made by Rich Solutions Co to credit reporting agencies/collection agencies EVER.
Client agrees to assist Company in obtaining initial credit reports, with scores, from all three credit bureaus (Equifax, Experian and Trans Union) and understands that Company cannot proceed with credit bureaus until credit reports are received, however Client shall receive a full term of service from the date the initial credit reports are received.
The Client agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus, creditors, and/or collection agencies to AGENT within five (5) days after the date received to guarantee the success of this program. If the Client has not received any credit reports or correspondence from the credit bureaus within 45 days after the date the dispute round was submitted, the Client must notify AGENT so appropriate measures can be taken. Photos are also accepted. Non compliance can result in termination of service with us and any guarantees will be voided if applicable. New late payments are cause for termination of contract, New late payments
will not be removed, unless a fee is paid.
F. Credit monitoring. Client agrees to be enrolled in our preferred credit monitoring service for the duration of their program for the purpose of being able to fully track all results achieved throughout the program. If credit monitoring service is interrupted, AGENT may choose to STOP services until the credit monitoring is fully active again. Client agrees to provide AGENT with the login information to the credit monitoring service and gives AGENT permission to access the monitoring service at any time during Client's program. If service is stopped a $150 fee will be charged in order to restart services.
G. By executing this Contract to obtain COMPANY Services, Client grants AGENT during the term of this Contract, a limited power of attorney to: 1) use the Client's Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client's credit reports, Client's credit history or other creditor information for the Services, dispute any & all negative information; 2) sign correspondence to the record holders; 3) use Client's name to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and or through the Internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary.
AGENT will use its best efforts to ensure that Client Information will be handled in a responsible and professional manner.
The Client shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to AGENT. Otherwise, the limited power of attorney shall terminate upon termination of this Contract. Client agrees that Client's limited power of attorney is valid throughout the United States for all Customer Information to be obtained by AGENT pursuant to this Contract by checking the box below. This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.
H. I, the Client, understand that with proper information I could undertake the same or similar techniques to repair my own credit but choose to hire this AGENT to undertake the services outlined in this agreement without duress or provocation. Client agrees to hold AGENT harmless from any claim, suit action or demand made by any of my creditors or any other person which may arise from the action(s) taken by my creditors in connection with any services rendered by AGENT on my behalf. In the event AGENT engages in collection efforts, client will be required to reimburse AGENT for out-of-pocket expenses as the result of such efforts.
I, CLIENT, hereby acknowledge that checking the box below serves as my digital signature and receipt of the Notice of Right to Cancel.
I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.
http://www.ftc.gov/os/2001/06/esign7.htm
