Customer Credit Application Form

This Agreement Package Includes:

1. Credit Repair Service Agreement
2. Limited Authorization to Communicate and Assist With Credit Matters
3. Information Statement Required Under Federal and Florida Law (CROA Disclosure)
4. Notice of Cancellation Rights
5. Additional State-Specific Disclosures (If Applicable)

This Credit Repair Service Agreement (“Agreement”) is entered into between:

Elite Approvals Credit Repair LLC (“Company”)

and

Client (“Client”)

for the purpose of providing credit consulting and credit repair assistance services.

WHEREAS, Company provides assistance to individuals seeking to review, understand, and address inaccurate, incomplete, unverifiable, outdated, or misleading information contained within consumer credit reports;

WHEREAS, Client desires to retain Company for assistance with credit report review, dispute preparation, and credit education services;

WHEREAS, Company agrees to provide the Services described herein under the terms and conditions of this Agreement.

NOW THEREFORE, the parties agree as follows:

 

SECTION 1: SERVICES PROVIDED BY ELITE APPROVALS CREDIT REPAIR LLC
Elite Approvals Credit Repair LLC agrees to provide the following services:

A. Review Client’s available credit reports and credit information obtained from applicable consumer reporting agencies.

B. Consult with Client regarding individual credit concerns, goals, and available options.

C. Review credit reports to identify information that may appear inaccurate, incomplete, unverifiable, outdated, or misleading.

D. Provide guidance regarding appropriate steps Client may take, in cooperation with Company, to dispute potentially inaccurate information contained in consumer credit reports.

E. Provide education and recommendations regarding credit improvement strategies and responsible credit management.

F. Prepare dispute correspondence and related documentation regarding information that may appear inaccurate, incomplete, unverifiable, outdated, or misleading.

G. Communicate with creditors, collection agencies, and reporting entities when appropriate regarding disputed information.

H. Take reasonable measures to protect Client’s confidential personal information.

I. Review credit profile updates from consumer reporting agencies, including:

• Experian
• Equifax
• TransUnioN

J. Provide Client consultations through available communication methods, including:

• Phone
• Email
• Text communication

SECTION 2: SERVICE FEES
In exchange for the Services provided by Company, Client agrees to the following fees:

Enrollment / Document Processing Fee
Single Plan: $99.00
Couple Plan: $149.00

Due upon enrollment.

Monthly Service Fee
Single Plan: $99.00 per month
Couple Plan: $149.00 per month

Client authorizes Company to collect applicable service fees according to the selected payment arrangement.

Company may invoice Client for services provided. Payment is due within ten (10) days of invoice receipt unless otherwise agreed in writing.

If payment obligations are not fulfilled, Company may suspend Services until the account is brought current.

SECTION 3: TERM OF AGREEMENT
The term of this Agreement may continue for up to thirty-six (36) months (“Term”).

The Term represents an estimated period that may be necessary depending on Client’s individual credit situation, reporting agency responses, creditor responses, documentation requirements, and other circumstances.

Company does not guarantee that Services will be completed within this timeframe.

SECTION 4: CLIENT RESPONSIBILITIES AND ACKNOWLEDGMENTS
Client acknowledges and agrees:

A. Client must provide requested documents and information accurately and within a reasonable timeframe.

B. Client understands that Company requires sufficient time to perform Services and that credit-related processes may require 120 days or more depending on circumstances.

C. Client agrees not to hire another credit repair company during the term of this Agreement without discussing it with Company, as multiple dispute processes may interfere with account management.

D. Client acknowledges receipt and understanding of the Information Statement provided in Exhibit A.

E. If Client does not have access to current credit reports from Experian, Equifax, and TransUnion, Client may be required to obtain a credit monitoring service.

F. Client authorizes Company to perform credit consulting activities and communicate regarding Client’s credit profile as described in the Authorization section of this Agreement.

G. Client agrees to cooperate with Company, provide requested documentation, respond to communications, and provide accurate information necessary for Services.

H. Company shall not be responsible for delays caused by Client’s failure to provide requested information, documentation, approvals, or responses.

SECTION 5: CONFIDENTIAL BUSINESS MATERIALS
Client acknowledges that Company may use internal processes, templates, workflows, strategies, and proprietary business materials in providing Services.

Such internal business materials remain the property of Elite Approvals Credit Repair LLC and are considered confidential.

SECTION 6: DISCLAIMERS
A. Client understands that Company may review and dispute items that appear inaccurate, incomplete, unverifiable, outdated, or misleading based on available information.

Company does not guarantee that any specific item will be removed from Client’s credit reports.

Client is responsible for informing Company of any information that should not be disputed.

B. Company will use commercially reasonable efforts to assist Client with credit improvement services.

However, Company does not guarantee:

• Removal of specific accounts;
• Credit score increases;
• Approval for loans or financing;
• Approval for credit products.
• Accurate, complete, and verifiable information generally cannot be removed from consumer credit reports.

C. Client agrees to promptly provide Company with any correspondence received from credit reporting agencies, creditors, or collection agencies that relates to the Services.

Failure to provide requested information may delay the dispute process.

Client should avoid unnecessary credit applications during the dispute process, as new inquiries or accounts may affect credit profile monitoring.

SECTION 7: LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, Client acknowledges that Elite Approvals Credit Repair LLC and its owners, employees, contractors, representatives, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the performance of Services under this Agreement.

Company’s total liability, if any, shall not exceed the total amount actually paid by Client to Company under this Agreement.

Nothing in this Agreement limits any rights or protections provided to Client under applicable federal or state consumer protection laws, including the Credit Repair Organizations Act (CROA).

SECTION 8: NON-DISPARAGEMENT
Client and Company agree that neither party shall knowingly make false, misleading, or defamatory statements about the other party, including its owners, employees, representatives, contractors, or affiliates.

Nothing in this Agreement prevents either party from providing truthful information, filing a lawful complaint, or exercising rights protected under applicable law.

SECTION 9: INDEPENDENT CONTRACTOR RELATIONSHIP
The relationship between Client and Company is that of independent parties.

Nothing contained in this Agreement creates:

A partnership;
Joint venture;
Employment relationship;
Fiduciary relationship;
Agency relationship beyond the limited authorization specifically provided.
Neither party has authority to bind the other except as expressly stated in this Agreement.

SECTION 10: GOVERNING LAW AND DISPUTE RESOLUTION
This Agreement shall be governed by and interpreted according to the laws of the State of Florida.

Any dispute arising from this Agreement shall first be addressed through good-faith communication between the parties.

If the dispute cannot be resolved, the parties agree to pursue available legal remedies in accordance with applicable law.

Nothing in this section prevents Client from exercising rights available under federal or state consumer protection laws.

SECTION 11: ENTIRE AGREEMENT
This Agreement represents the complete understanding between Client and Company regarding the Services provided.

This Agreement replaces all prior discussions, communications, proposals, or agreements relating to the Services.

Any changes or modifications must be made in writing and agreed upon by both parties.

SECTION 12: WAIVER
Failure of either party to enforce any provision of this Agreement shall not be considered a waiver of future enforcement of that provision.

Any waiver must be provided in writing.

SECTION 13: SUCCESSORS AND ASSIGNS
This Agreement shall be binding upon and benefit both parties and their permitted successors and assigns.

SECTION 14: ASSIGNMENT
Neither party may transfer or assign their rights or obligations under this Agreement without prior written approval from the other party, unless otherwise permitted by law.

SECTION 15: TERMINATION
Termination of this Agreement does not affect any rights or obligations that arose before termination.

Any provisions intended to continue after termination shall remain effective.

SECTION 16: SEVERABILITY
If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall continue in full effect.

The parties agree that any invalid provision shall be modified only to the extent necessary to make it enforceable while preserving the original intent.

SECTION 17: ELECTRONIC SIGNATURE AGREEMENT
This Agreement may be executed electronically.

Client acknowledges that an electronic signature has the same legal effect as a handwritten signature.

By signing electronically, Client confirms that Client has read, understands, and agrees to the terms of this Agreement.

SECTION 18: CLIENT RIGHT TO CANCEL
Client may cancel this Agreement without penalty or obligation within three (3) business days after signing this Agreement.

If Client cancels within the cancellation period, any payment received by Company will be refunded within ten (10) days after Company receives the cancellation notice.

To cancel, Client must provide written notice using the attached Notice of Cancellation form or another written cancellation request delivered to Company within the required timeframe.

MONTH-TO-MONTH SERVICE NOTICE
Elite Approvals Credit Repair LLC provides month-to-month services.

Client may cancel ongoing services according to the cancellation procedures outlined in this Agreement.

No cancellation penalty or additional cancellation fee will be charged.

CLIENT ACKNOWLEDGMENT OF TERMS
By signing below, Client acknowledges:

• Client has reviewed this Agreement;
• Client understands the Services being provided;
• Client understands that Company does not guarantee credit score increases, funding approvals, loan approvals, or removal of accurate information;
• Client understands that credit improvement depends on multiple factors, including reporting agency decisions and Client participation.

Client hereby authorizes Elite Approvals Credit Repair LLC (“Company”) and its authorized representatives to communicate with consumer reporting agencies, creditors, collection agencies, and other applicable reporting entities for the limited purpose of providing credit consulting and credit repair assistance services.

This authorization allows Company to:

Review and analyze Client’s credit-related information and documents provided by Client.
Assist Client with preparing, organizing, and submitting correspondence related to potentially inaccurate, incomplete, unverifiable, outdated, or misleading information appearing on Client’s credit reports.
Communicate with applicable consumer reporting agencies, including but not limited to:
TransUnion
Experian
Equifax
and other relevant creditors or reporting entities regarding credit reporting matters.

Receive responses, updates, and correspondence related to disputes or credit-related inquiries submitted as part of the Services.

LIMITATION OF AUTHORITY
Client understands and agrees that this authorization:

Does not grant Elite Approvals Credit Repair LLC legal power of attorney;
Does not authorize Company to enter contracts, settlements, or financial agreements on Client’s behalf;
Does not authorize Company to make financial decisions for Client;
Does not create an attorney-client relationship.
Client remains responsible for all financial decisions, obligations, and agreements.

CONFIDENTIALITY AND DISCLOSURE
Elite Approvals Credit Repair LLC will use Client information only for purposes related to providing the Services described in this Agreement.

Company will not disclose Client information to unauthorized parties except as necessary to perform the Services, comply with legal obligations, or as authorized by Client.

REVOCATION OF AUTHORIZATION
Client may revoke this authorization at any time by providing written notice to Elite Approvals Credit Repair LLC.

Any actions completed before the effective date of revocation based on this authorization shall remain valid.

Unless revoked earlier, this authorization will expire twelve (12) months from the date of signature.

I, the Client, acknowledge that I have reviewed and understand the services provided by Elite Approvals Credit Repair LLC.

I understand that Elite Approvals Credit Repair LLC will provide credit consulting and credit repair assistance services but does not guarantee:

Removal of specific credit items;
A specific credit score increase;
Approval for loans, credit products, or financing;
Any specific outcome from disputes submitted to consumer reporting agencies.
I understand that successful credit improvement requires my active participation, including providing accurate information, responding to requests, and reviewing communications related to my credit profile.

Client understands that fees paid after the applicable cancellation period are generally non-refundable unless otherwise required by applicable law.

Client agrees to contact Elite Approvals Credit Repair LLC regarding billing questions, concerns, or disputes before initiating a payment dispute whenever possible.

If Client wishes to discontinue services, Client agrees to follow the cancellation procedures provided in this Agreement.

IN WITNESS WHEREOF, the parties acknowledge that they have read, understood, and agreed to the terms of this Agreement.

EXHIBIT A

INFORMATION STATEMENT REQUIRED UNDER FEDERAL AND FLORIDA LAW

1. You have the right to dispute inaccurate information by contacting the consumer 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. Generally, negative information may remain on a consumer credit report for up to seven (7) years, and bankruptcy information may generally be reported for up to ten (10) years, subject to applicable law and exceptions.
2. You have the right to obtain a copy of your credit report from a consumer reporting agency. You may be charged a reasonable fee in certain circumstances. You may be entitled to a free copy of your credit report under certain conditions, including situations involving credit denial, employment purposes, public assistance, identity theft, fraud, or inaccurate information.
3. You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act (CROA). This law prohibits deceptive practices by credit repair organizations.
4. You have the right to cancel your contract with a credit repair organization for any reason within three (3) business days after the date the contract is signed.
5. Consumer reporting agencies are required to follow reasonable procedures to ensure that information they report is accurate. However, errors may occur.
6. You may dispute inaccurate or incomplete information directly with consumer reporting agencies. The consumer reporting agency must investigate and correct or remove information that cannot be verified.
7. If a reinvestigation does not resolve your dispute, you may submit a statement explaining your disagreement. The consumer reporting agency may include your statement with future credit reports.
8. The Federal Trade Commission regulates credit repair organizations and consumer reporting agencies.
   

   For information, contact:

   Federal Trade Commission
   Consumer Response Center
   600 Pennsylvania Avenue NW
   Washington, DC 20580

9. If you notify a consumer reporting agency that you dispute information in your credit file, the agency must conduct an investigation and correct or remove information that cannot be verified.
10. If the investigation does not resolve your dispute, you may request that a statement explaining your dispute be included in your file.
11. You have the right to contact applicable state authorities regarding consumer protection, credit reporting, and credit services organizations. Nonprofit credit counseling services may also be available.
12. Florida law may allow credit services organizations to receive payment in advance only when applicable requirements, including bonding and trust account requirements, are satisfied.

IMPORTANT NOTICE
Elite Approvals Credit Repair LLC does not guarantee:

• Removal of any specific credit information;
• Credit score increases;
• Approval for loans, credit cards, financing, or other financial products.
• Results vary depending on individual circumstances, consumer reporting agency procedures, creditor responses, and client participation.

Credit Service Organization Surety Bond Information (if applicable):

Bond Number: ____________________

Bond Provider: ____________________

By signing below, Client acknowledges receipt of this Information Statement before entering into any contract or agreement with Elite Approvals Credit Repair LLC.

LIMITED AUTHORIZATION TO COMMUNICATE AND ASSIST WITH CREDIT MATTERS

I, {client}, authorize Elite Approvals Credit Repair LLC and its authorized representatives to communicate with consumer reporting agencies, creditors, collection agencies, and other applicable reporting entities for the limited purpose of providing credit consulting and credit repair assistance services.

This authorization allows Elite Approvals Credit Repair LLC to assist with matters related to my credit profile, including:

Communication With Credit Reporting Agencies and Creditors
Elite Approvals Credit Repair LLC may:

• Request and review credit-related information;
• Assist with preparing dispute correspondence;
• Communicate regarding potentially inaccurate, incomplete, unverifiable, outdated, or misleading information;
• Receive responses and updates related to submitted credit inquiries or disputes.

This authorization applies to consumer reporting agencies, including:

• TransUnion;
• Experian;
• Equifax;
• and other applicable creditors, collection agencies, or reporting entities related to my credit profile.

LIMITATION OF AUTHORITY
I understand and agree that this authorization:

• Does not grant Elite Approvals Credit Repair LLC legal Power of Attorney;
• Does not authorize Elite Approvals Credit Repair LLC to provide legal representation;
• Does not authorize Elite Approvals Credit Repair LLC to enter contracts, settlements, or financial agreements on my behalf;
• Does not authorize Elite Approvals Credit Repair LLC to make financial decisions for me.

I remain responsible for all financial decisions, obligations, and agreements.

CLIENT INFORMATION CONFIDENTIALITY
I authorize Elite Approvals Credit Repair LLC to collect, review, and use my personal information only as necessary to provide contracted credit consulting and repair assistance services.

Elite Approvals Credit Repair LLC will take reasonable measures to protect my confidential information and will not disclose information except as necessary to provide services, comply with legal requirements, or as authorized by me.

REVOCATION OF AUTHORIZATION
I may revoke this authorization at any time by providing written notice to Elite Approvals Credit Repair LLC.

Any actions completed before the effective date of revocation based on this authorization shall remain valid.

Unless revoked earlier, this authorization will expire twelve (12) months from the date of signature.

EXHIBIT B

NOTICE OF CANCELLATION

You may cancel this contract without any penalty or obligation within three (3) business days after the date you sign this contract.

If you cancel this Agreement within the cancellation period, you will not owe any money, and any payments made under this Agreement will be refunded within ten (10) business days after Elite Approvals Credit Repair LLC receives your cancellation notice.

To cancel this Agreement, you may mail, email, or deliver a signed and dated written notice stating that you wish to cancel this Agreement.

Send cancellation notices to:

Elite Approvals Credit Repair LLC
12620 Beach Blvd. Suite #168
Jacksonville, FL 34426

Email: eliteapprovalstaxcredit@gmail.com

Your cancellation notice must be received before midnight on:

Date: ______________________

NOTICE OF CANCELLATION
I hereby cancel this transaction.

Date: ______________________

Client Name: _______________________________

Client Signature: ___________________________