Year Round Financial
3702 W Sample St Ste 1000 South Bend, IN 46619
Phone: 574-485-4943
Fax: 8556437505
Email: YearRoundFinancial@Gmail.com
Agreement Prepared for:
{fullName}
Year Round Financial is keen on helping you with whatever problem you might have with your credit. We will gladly assist you in getting your credit back on track, and ensure that all data reported is compliant or removed from your credit report.
To begin, you will need to review and sign the following documents:
* Credit Analysis & Restoration Agreement page
* SEC.405 Disclosure page
* Privacy Policy
* Terms on page
* Notice of Cancellation (2)
* Limited Power of Attorney
Credit Reports:
We begin our credit review immediately after all necessary documents
are signed. We will give you details about a credible credit report provider, from which you can obtain your credit reports. The credit review begins once we receive your report. There are no guarantees on your results, however, we will exonerate all efforts to give you a healthy credit report.
Details of services: Credit Review & Repair Agreement
1. Credit Review - Your credit review will consist of the following:
a) Education on credit reports, raising your credit score and rebuilding credit
b) Current credit scores.
c)Summary of all of the inaccurate negative accounts
d) Accounts that went negative within the first 24 months
e) Accounts the creditors can sue for that fall within the statute of limitations
f) Key factors regarding your credit score
g) Detailed list of all inaccurate accounts
h) Plan of action; next steps to repairing your credit
2. Detailed Review (if ordered and performed) - This in-depth credit review covers the following:
a) All derogatory and positive data from Experian, Equifax, and Transunion
b) All negative accounts inconsistencies across Experian, Equifax, and Transunion
c) All positive accounts inconsistencies across Experian, Equifax, and Transunion
3. (If ordered and performed) Review your credit report for inaccurate PERSONAL INFORMATION, and eradicate that personal information that is not specifically REQUIRED REPORTED by federal laws, to include any item NOT TRUE, or NOT CURRENT among other things to include:
a) variations of names
b) social security numbers
c) outdated addresses
d) phone numbers
e) employers
f) and roommates/spouses
4. (If ordered and performed) Challenge Inaccurate PERSONAL Information Listed on Your Reports With Transunion, Experian, and Equifax (Prepare and Mail Documents)
5. Suppressions to The Following Repositories (If Needed, An Additional
Charge Will Apply)(YEAR ROUND FINANCIAL DOES NOT EXECUTE SUPPRESSIONS WITHOUT CLIENT FIRST REQUESTING SUCH)
a) Advance Resolution Services
b) Clarity Services
c) Core Logic
d) Factor Trust
e) Innovis
f) Lexis Nexis
g) MicroBilt
h) SageStream
6. Review your credit report for OTHER inaccurate, incomplete, untrue, misleading, unproven, invalid, or else wise not yet certified compliantly reported items of delinquency and or derogatory else wise. These items might include reported things such as inquiries, late payments, collections, charge-offs, etc., and challenge those items with the bureaus, collectors, and/or
creditors (as necessary per the plan of execution agreed upon by consumer client AND YEAR ROUND FINANCIAL alike).
7. Build a plan on how to challenge missing and or deficiently reported information—to include data still yet unproven and or not yet certified complaint to every aspect of adequate and lawful reporting to include but certainly not limited to the requisites of the FCBA, FCRA, FDCPA, HIPAA PR, TILA, and even the Metro 2 Format Reporting Standard of Compliance.
8. Challenge deemed problematic CREDIT Information Listed on Your Reports with Transunion, Experian, Equifax, and as need per plan selected even the Creditors, and/or Collectors (Prepare and FAX and/or Mail Documents).
9. YEAR ROUND FINANCIAL will consult with you over the phone, by email, or by text messaging regarding any results of your detailed plan of action, or any other concerns.
10. YEAR ROUND FINANCIAL will provide credit info & advice throughout the
process should consumer client desire such by referring consumer client to join the Money Map GPS Program, when available.
11. CLIENT agrees to create, pay for, and maintain credit monitoring throughout the process with IDENTITY IQ and provide YEAR ROUND FINANCIAL the associated login and password.
12. The CLIENT also agrees to create accounts and provide YEAR ROUND FINANCIAL with logins and passwords (IF YEAR ROUND FINANCIAL REQUESTS FOR IT, NOT ALWAYS NEEDED or requested) for the YEAR ROUND FINANCIAL-AFFILIATED LINK for IDENTITY IQ 3-in-1 credit report monitoring
service that includes consumer client’s Equifax, Experian, and Trans Union credit reports in a literal side by side comparison format! The YEAR ROUND FINANCIAL-link that consumer clients MUST UTILIZE is provided during the Credit Review Request Process.
13. CLIENT agrees to NOT apply for credit during this process other than what YEAR ROUND FINANCIAL recommends for credit building accounts.
14. CLIENT agrees to pay ALL bills on time and IN FULL (if applies, as YEAR ROUND FINANCIAL offers MANY FREE CREDIT REPORT OPTIONS linked to specific professional partners we might be affiliated with at any given point in time as well. Just ask if any plans are available currently!).
15. CLIENT agrees that any delinquency and or derogatory accounts and or additional personal information that appears on the credit report after YEAR ROUND FINANCIAL has started performing work will NOT be included in this agreement.
16. CLIENT agrees that IF any delinquencies and or derogatory accounts and or personal information that appear on the credit report after YEAR ROUND FINANCIAL has started performing work will be an ADDITIONAL cost should consumer client elect for YEAR ROUND FINANCIAL to address those issue(s).
17. CLIENT agrees to inform YEAR ROUND FINANCIAL of any document received as a result of this agreement (IF APPLIES, NOT ALL YEAR ROUND FINANCIAL plans require client to make ANY CONTACT with YEAR ROUND FINANCIAL. UNLESS OTHERWISE INDICATED always ASSUME that
YEAR ROUND FINANCIAL needs documentation)
18. CLIENT will provide YEAR ROUND FINANCIAL copies of a current and bureau accepted updated photo ID, social card (or equivalent), and a utility bill (or equivalent) to begin working on the credit report.
19. Failure for the CLIENT to maintain or uphold their responsibility in this agreement will be grounds for TERMINATION OF SERVICES and no further action taken to repair credit. IF CLIENT elected for a plan option that required an ESCROW held, then client LOSES that escrow amount!
20. This Agreement Includes UP TO AGREED POINT IN TIME or an achieved goal as pre-determined and written out into this agreement PRIOR to activation of agreement of Service from The Date Of This Signed Agreement.
PAYMENT: Your payment of $_____ ($26.03 for plan 1 or $360 for plan 2, and etc. as the plan calls for) MUST be paid in as agreed in the PRE-DETERMINED MANNER as related to the plan option selected by the client! The balance is due prior to your documents being mailed as the work has already been performed.
Year Round Financial may offer a 6-month payment plan of: $50 Monthly, after a $110 First Payment.
Six-Month Total Payment Chart:
1 $110
2 $160
3 $210
4 $260
5 $310
6 $360
Terms of Service
There is no monthly credit repair with these plan. Typically, we would fire off consumer complaint letters to bureaus and data furnishers alike on a predetermined 45-day schedule such as Day 1,Day 46, and Day 91 for the three wave attack based on the consumer’s updated reports from days 45 & 90!
Duration of Service:
The service will last for a period of NO LONGER THAN SIX (6) MONTHS after the CLIENT pens his/her signature on the contract, with MINIMAL EXCEPTIONS (any exception will be in WRITING PRIOR to activation of agreement)! This assumes normal delays that might occur at no fault of client nor Year Round Financial!
Description of Service: Credit Review
The following is a list of a few of the items covered by the Credit Review Fee:
1. The basic understanding of credit restoration
2. Full credit analysis of your entire credit report.
3.Steps you can take to rebuild your credit.
4.Recommend products for rebuilding your credit.
5.Phone interview regarding the credit analysis.
Description of Services: Credit Repair
ALL SERVICE PLANS are one and done, no further commitment from client nor Year Round Financial once work has been prepared, paid for, and fired off. SHOULD, however, the client later desire to CONTINUE WITH Year Round Financial for a 2nd , 3rd or more attack wave, client absolutely can reconnect with Year Round Financial for those executed wave attacks. This means that client does NOT HAVE YEAR ROUND FINANCIAL HARRASSING them for credit report updates nor for this or that. YEAR ROUND FINANCIAL simply fires off attack and expects GREAT SUCCESS, even in the very FIRST attacks. AGAIN, client CONTROLS if or not a 2nd or more attack is planned and executed by simply ensuring earlier attack(s) are fully paid and that same consumer reconnects with Year Round Financial for a renewed/ continued attack. This NO BABYSITTING POLICY greatly improves client/cro relationship, efficiency and even effectiveness let alone assures the Year Round Financial credit enhancement work is ALWAYS super affordable for the benefitting client! ONLY REQUIREMENT to work with Year Round Financial is using Year Round Financial-affiliated credit monitoring links and having no past due deficits with Year Round Financial from previous work done.
Refund
In the world of professional level credit enhancement services, the outcome of a service cannot be guaranteed, and no company can promise a result nor even a suggested timeframe of any specific result(s) simply because of the innately infinite possibilities of occurrences that could or should occur but might or might not. Year Round Financial absolutely will always put in
the best, most efficient, most effective techniques and strategies to most ensure that currently reported untrue, incorrect, incomplete, untimely, unverifiable, inadequate, deficient, inaccurate, invalid or else wise NOT CERTIFIABLY COMPLIANT information is identified and efforts made to have it modified, or removed from the consumer’s credit report using ONLY ETHICAL
compliance-based methodologies and philosophies. Year Round Financial does employ a R&R promise to guarantee consumer success and or satisfaction. The R&R promise is our “REPEAT AND REFUND POLICY” where if a paid service fails to meet minimum standards we will IMMEDIATELY REAPPLY an additional FULL ATTACK WAVE at NO COSTS to client, If the REPEATED ATTACK as well is unsatisfactory, Year Round Financial REFUNDS ½ of currently paid balance (OR negates ½ of owed balance) and again RE-APPLIES yet another FREE WAVE ATTACK hoping to assist client. If that re-reapplied attack also returns not satisfactory, Year Round Financial will one last time utilize the REFUND and REPEAT steps from previous meaning the client is REFUNDED ½ of still unrefunded balances paid (or due amount). If fails yet again, Year Round Financial refunds client in full for all contributions! This essentially allows Year Round Financial to GUARANTEE SUCCESS or PAY NOTHING!
The following Terms and Conditions must be met for the Repeat and Refund Policy to be applicable:
- You Pay-in-full for the Non-promotional Credit Review & Repair Sevice: Plan 2
- You do not remove more than 25% of all the negatives worked on.
- You have had six months from the time you retain our services.
- You have at least four negatives on the credit report at the time of sign-up.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).
Cancellation
Year Round Financial have a detailed and simplified cancellation policy. You can cancel your contract at any point since we do not offer an annual credit restoration program. Kindly contact us if you feel the need to cancel the contract.
Client
Year Round Financial needs correspondence before it can commence work. Therefore, the client should provide credit reports, letters, in due time to prevent delay of the commencement of the contract. By law, Year Round Financial cannot be held accountable for the outcome or the time taken to achieve the desired outcome. Kindly get in touch with us in case of a change in the mailing address.
Indemnification by Client:
Client shall defend, indemnify, and hold harmless Year Round Financial, from and against all costs, charges, and expenses (including attorney’s fees) arising out of any type of negligence while providing service.
Termination of Agreement:
This agreement shall continue throughout the time allotted in the contract unless either party decides to terminate the agreement. If agreement is protected by an escrow, then malcontent terminating services by consumer client equates to LOSS OF THE SUBMITTED ESCROW AMOUNT(s).
Limited Liability:
Year Round Financial cannot be held liable for any lost profits, savings, or incidental, indirect, or damages stemming from your use of Year Round Financial’service or breach of this agreement.
Arbitration Clause: Any challenge stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.
Digital Signature: Client agrees to sign any document that is presented to them via the internet and requires a digital signature. The client can at any time withdraw his or her digital signature.
Governing Law and Jurisdiction:
If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of Year Round Financial state.
Entire Agreement:
This contract constitutes the entire agreement for {fullName} and Year Round Financial regarding services that will be performed on behalf of Year Round Financial. By signing this agreement, you agree that this contract supersedes all prior communications or agreements between parties regarding credit repair services.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written.
RIGHT TO CANCEL
A client is free to cancel this contract within five days of signing the contract without incurring any penalty. Any payment made by the CLIENT will NOT be
returned.
Kindly send the dated and signed cancellation notice to Year Round Financial at 3702 W SAMPLE ST STE 1000 South Bend, IN 46619 if you wish to cancel the contract.
SEC.405 Disclosure of 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 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 seven years old. Bankruptcy information can be reported for ten 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, or insurance. You can 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 violates 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 3 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. Take notice that there is NOTHING THAT YEAR ROUND FINANCIAL does or can do that you yourself as consumer cannot do equally as well given same access and capacities! Year Round Financial’s staff are all CCA BOARD CERTIFIED “M2C Method Compliance-Independent Agents” subject to the terms and conditions of the Metro 2 Compliance Academy via the link of https://www.M2CAcademy.com. Year Round Financial absolutely RECOMMENDS any and all consumers to become better informed in matters concerning their own credit report health enhancements and also their credit score wealth enrichments by undergoing teachings of meritful organizations such as the M2CA as noted above. FACT IS that you may, on your own, notify a credit bureau in writing that you dispute the accuracy of 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 investigation 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 about 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. 20580
Privacy Policy
Our policy on privacy is straightforward. In short, any information you submit to us will remain absolutely private and will not be shared with third-party companies.
Categories of Information
Information about you can be categorized as (a) personally identifiable information, or (b) non-personally identifiable information. “Personally identifiable information” is information that we collect from you, such as your name, postal address, telephone number, fax number, and email address. “Non- personally identifiable information” is information that we collect from you that does not include your name or any information that would allow us to contact you.
How We Use and Disclose Information?
Some of the ways in which we use your personally identifiable information may include using it to prepare challenges, to provide you with information that you may request, and to customize your credit repair experience. It is important for you to understand that we may use a third-party processor to handle our challenges. We generally require that the third-party processor not disclose personally identifiable information or use it other than as necessary to perform their services for us.
Because we care about your privacy, we will not give your personally identifiable information to other marketers or retailers for them to use to contact you about offers or promotions of their own (other than, of course, in connection with the sale of our business).
As a responsible company, we believe obeying the law is important. Therefore, we may disclose personally identifiable information in order to comply with a subpoena or court order, or when we are required to do so by law. We may also disclose personally identifiable information in cooperation with a law enforcement or government request. It is important for you to understand that the above policies and restrictions do not apply to our use or disclosure of your non-personally identifiable information. We may freely use and disclose non-personally identifiable information for many purposes and on many occasions.
How We Collect Information
We collect personally identifiable information from you by “active” means. In other words, you actively give us the information through the sign-up process of credit repair.
Your Acceptance of These Terms
By signing this agreement, you indicate your acknowledgment of this Privacy Policy. If you do not agree with this Privacy Policy, then do not sign this agreement.
LIMITED POWER OF ATTORNEY
I, {fullName}, hereby appoint Year Round Financial, its officers, agents, servants, employees, designees as my true and lawful attorney-in-fact, with full power of
substitution, to act on my behalf in the following capacity. I hereby give Year Round Financial, its officers, agents, servants, employees and designees the authority to sign documents on my behalf to forward to the credit bureaus, and to make decisions on my behalf, in connection with my credit reports, credit scores and/or negotiating my debt. This attorney is given. The signing of my name on any documents is as if I would have signed my name personally. Year Round Financial does not release copies of the letters as they remain proprietary information to the organization. I declare by this instrument that any act or thing lawfully done under it by attorney-in-fact shall bind me and my heirs, legal and personal representatives, and assigns. This authorization shall not terminate on my disability. This power of attorney may be filed for record in any appropriate public office. I hereby ratify and confirm that my attorney-in-fact or any successor shall woefully do or cause to be done by virtue of this limited power of attorney in the right and powers granted herein. I hereby bind myself to indemnify Year Round Financial, its officers, agents, servants, employees, designees and my attorney-in-fact and any successor who shall act against any and all claims, demand, losses, damages, action, and causes of action, including expenses, costs, and responsible attorney’s fees which my attorney-in-fact at any time may sustain or incur in connection with this carrying out the authority granted him in this Limited Power of Attorney. I hereby give Year Round Financial, its officers, agents, servants, employees, and designees the authority to investigate and obtain any information or records necessary, related to my credit and/or debt.
***PLEASE NOTE BELOW the CURRENT YEAR ROUND FINANCIAL PLANS AVAILABLE (ask about any others that MIGHT NOT be published as of yet)***
Plan 1::::> $26 CREDIT CLEANUP Plan 1 includes
(i) the consumer’s customized credit report Metro 2 Method-based Review breakdown
(ii) the full Velocity-level Cut the Connections (Bad Personal Info) request attacks (if applies) for enhancement efforts of reported personal information/identifiers!
(iii) The full Velocity-level Multiple Inquiries Attack (if applies) for potential removal or enhancement of derogatorily reported injurious hard inquiries!
Plan 2::::> 360 CREDIT CARE Plan 2 includes, in addition to Plan 1...
(iv) The full Velocity-level Multiple Negative Items attack (if applies) for potential removal or enhancement of derogatorily reported injurious accounts that are unfit for lawful reporting due to validity and or certified compliance standards as defined by the M2CA (Metro 2 Compliance Academy)
(v) The full Velocity-level PUBLIC RECORD(s) attack (if applies) for potential removal or enhancement of derogatorily reported injurious PUBLIC RECORD accounts that are unfit for lawful reporting due to validity and or certified compliance standards as defined by the M2CA (Metro 2 Compliance Academy)
(vi) Attacks versus any other (if applies) NOT PERFECTLY VALID and or CERTIFIED COMPLIANT REPORTED DATA that might be injurious to consumer client!
(vii) REPEAT and REFUND PROMISE as outlined above! The R&R PROMISE of SUCCESS or SATISFACTION or PAY NOTHING!