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I hereby authorize ACE Financial Services, LLC, to charge my credit card for payments related to the services I have agreed to receive. This authorization is valid for the agreed-upon charges and any recurring payments as outlined in the service agreement. I understand that I may revoke this authorization at any time by providing written notice to ACE Financial Services, LLC, and I agree to provide updated payment information if necessary.*

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Your Agreement and our Commitment to you
CREDIT REPAIR SERVICE AGREEMENT

Welcome to ACE Financial Services 
11782 County Road 201, Oxford FL 34484


Prepared for:
[CLIENT_FIRST_NAME] [CLIENT_LAST_NAME]
[CLIENT_ADDRESS]
[CLIENT_CITY], [CLIENT_STATE] [CLIENT_POSTAL_CODE]

DOB: [DATE-OF-BIRTH]
Date: [TODAY_DATE]
The following pages contain:
1. Credit Repair Service Agreement
2. Authorization for Credit Repair Services
3. Consumer Credit File Rights (CROA Statement)
4. Right of Cancellation Notice
 
Credit Repair Service Agreement for [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME]
 
I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], hereby enter into the following agreement with ACE Financial Services.
ACE Financial Services hereby agrees to perform:
Review Customer's credit reports from relevant credit reporting agencies to determine any inaccurate, erroneous, false, or obsolete information. We will then inform Customer of the necessary steps to be taken jointly with Our Company to dispute such information.
Create all essential correspondence to challenge any inaccurate, erroneous, false, or obsolete information in the customer's credit reports.
Examine the credit profile status from credit reporting agencies including Experian, Equifax, and TransUnion. Personal meetings, webinars, video conferencing, telephone, email, or any other form of communication during regular business hours are used to provide consulting, coaching, and monitoring services.
In exchange, I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], agree to pay the following fees below:
For Individuals:
The amount stated on the order form chosen by the client.
Authorization for Credit Repair Services
 
1. By signing below, I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], henceforth referred to as "client," authorize ACE Financial Services to act on my behalf in matters related to improving my credit. This includes making, receiving, signing, endorsing, executing, acknowledging, delivering, and possessing any applications, correspondence, contracts, or agreements required to improve my credit. Such written instruments shall be limited to the three credit reporting agencies, namely TransUnion, Experian, Equifax, as well as any other reporting agencies or creditors listed, as deemed necessary or appropriate in exercising the rights and powers granted herein.
 
2. The undersigned may revoke this authorization at any time by providing written notice to the authorized party. Any actions taken in reliance upon this authorization prior to revocation shall not be considered a violation of the client's rights. If not revoked earlier, this authorization will automatically terminate 12 months from the date of signature.
 
3. The individual or entity designated above to receive the information is prohibited from making any additional release or disclosure of the information. This authorization solely permits the release or disclosure of information as outlined herein and does not authorize any other information to be released or disclosed.
 
4. I authorize ACE Financial Services to act on my behalf and undertake any actions necessary to repair my credit with the three credit reporting agencies: TransUnion, Experian, Equifax, as well as any other reporting agencies or creditors listed. ACE Financial Services is authorized to perform any acts and take any steps deemed necessary or appropriate to repair my credit as if I were present and acting in person.
 
5. By signing below, I release ACE Financial Services from any and all actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands, whether in law or equity, arising from any matter, cause, or circumstance related to this contract.
Consumer Credit File Rights Under State and Federal Law
 
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a 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 up to 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 violated 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 5 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.
 
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). 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 consumer credit reporting agency must provide someone to help you interpret the information in your credit file.
You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.
If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you.
You have a right to cancel the contract for any reason within five working days from the date you signed it. If for any reason you do cancel the contract during this time, you do not owe any money.
You have a right to sue a credit services organization if it misleads you.”
Notice of Right to Cancel
 
You have the right to cancel this contract within 5 days of signing it, without any penalty or obligation.
In the event of cancellation, any payment made by you under this contract must be returned to you within 15 days after the seller receives your notice of cancellation.
You have the option to cancel this contract without penalty or obligation until midnight on the 5th day following the date you signed the contract.


To cancel this contract, you must deliver a signed and dated copy of this cancellation notice or any other written notice stating "I hereby cancel this transaction" to ACE Financial Services at credit@acefg.com before midnight on the fifth day after the date you signed this contract.,
_________________(date)
_____________________________(purchaser’s signature).’’
 
Please indicate your receipt of this notice by providing an electronic signature in the designated section below.
 
Acknowledgment of Receipt of Notice
 
By providing my digital signature, I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], confirm that I have received the Notice of Right to Cancel and understand its contents. I acknowledge that I have received a copy of my Consumer Credit File Rights and agree to its terms.
*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web
site: http://www.ftc.gov/os/2001/06/esign7.htm
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