Tru Credit Application

Payment for Consultation w/h credit analysis ($75) This amount will go towards your service charge.  If you do not proceed with service, you will not be refunded the consultation fee.

I authorized to Tru Tax & Credit Solutions to automatically deduct my scheduled payment for credit restoration services. In the amount specified within from the checking and or credit card account referenced above. I understand any returned and/or decline charges will be resubmitted up to two (2) attempts. If charges are not authorized after resubmission, my credit consulting services will be stopped until my account is brought current. If my account remains unpaid after 30 days I understand it will be forwarded to collections.

I authorized Tru Tax & Credit Solutions to obtain information regarding my credit file. I understand that any information obtained will be used by Tru Tax Credit Solutions and its agents, employees, or partners, to attempt to improve my credit and will be kept confidential. I further authorize Tru Tax & Credit Solutions to make changes on my credit file without prior notice during the time of this agreement. This is an agreement between Tru Tax Credit Solutions and myself this agreement is good for the disclosed time required (90 days). Tru Tax & Credit Solutions offers credit consulting services to both consumer and commercial customers. Results vary based upon each individual's personal credit profile. Improvements may be seen ss early as 30 days but 90 days is recommended before noteable results are seen. However, a specific date or projected time cannot be guaranteed. Please note failure to pay your existing bills in a timely manner will cause this agreement to become null and void. Also, failure to meet deadlines in the credit action plan or dispute strategy will cause this agreement to become null and void. Failure to provide your credit Consulting Specialist or Agent with updated information from your creditors, reporting bureaus, and by other entities as requested, will cause this agreement to become null and void. The charge for credit consulting services is what is agreed in this agreement. All postage expenses are included in the chart for credit consulting services while this agreement is in effect. The client is responsible for any expenses associated with the retrieval of credit reports. There shall be no other cost to client.

See attached for a fee schedule of all applicable charges. There will be an additional charge to client of $50 for any of the following:

-Late payments per occurrences:
-Cancelled/ return check
-Canceled/ return credit card charge

Service disclaimer: Our services only focus on the deletion of incorrect negative items on your credit history we cannot guarantee this specific point increase in your credit score calculated and provided by the credit bureaus.

I hereby certify that the information contained herein is complete and accurate. This information has been furnished with the understanding that it is to be used to restore damage credit. Furthermore, I hereby authorize creditors, financial
institutions, and credit reporting agencies to release information to Tru Tax Credit Solutions in order to verify the information contained herein and restore my credit.

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 bureaus directly. However neither you nor any credit consulting company for credit consulting organization has a right to have accurate current and verifiable information removed from your credit report. The credit information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You maybe charged a reasonable fee. There is no fee however, if you have been denied credit employment insurance our rental dwelling because of information on your credit report within preceding 60 days. The credit bureaus must provide someone to help you interpret the information in your
credit file.

You are entitled to receive a 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 the right to sue a credit consulting organization that violates the credit repair organization. This law prohibits deceptive practices by credit consulting organization. You have a right to cancel your contract with any credit consulting organization for any reason within three(3) business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information the report is accurate.
However, mistakes may occur. You may on your own notify a credit if you're in writing that you dispute the accuracy of information credit file. The credit company may charge any fees for this service. Any pertinent information and copies of all inquires you have concerning an error should be given to the credit bureaus. If the credit bureaus and 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 bureaus must include a summary of your statement about dispute information with any report it issues about to The Federal Trade Commission regulates credit viewers and credit consulting organization. For more information contact the public reference branch Federal Trade Commission Washington
D.C 20580.

**Our fees include paper ink, internet supplies, credit reports, forms, all phone calls, stamps, and education on rebuilding your credit so you will have the maximum results. There should be no other charges.