• You agree to pay TFG Bi-Weekly the assigned amount of at least $50. Until paid in full. Payments to be
made through the website www.tfgfocuscard.com. Click on the services tab and select payment option check out. Your receipt is proof of payment. Please keep track of your payments. All
payments must be posted by 5:00 pm. Any payment after the cut off time will be subject to late fee. If you
miss a payment your missed payment and late fee must be paid in full within 5 days. On the 6th day an
additional fee of $25 will be added. If you miss 2 or more payments court proceedings will began for breech
• You understand and acknowledge that failure to timely pay for whatever reason will suspend all work on
your behalf, including but not limited to, stopping all correspondence with the credit bureaus or creditors
and any consulting services to be performed on your behalf, until payment in full is received. After thirty
(30) days of any failure to make a timely payment, TFG will close your account and cease any
communications with you. To use TFG services after failure to make a timely payment within thirty (30)
days, you agree and acknowledge that you may be required to establish a new account and pay all
filing fees again.
• You agree to pay TFG service charge of $25 or all late payments, which shall be added to the currents
• You agree to forward copies of all correspondences you receive from any credit bureau, or creditors,
including but not limited to letters and credit reports, and promptly inform TFG of any changes in your
physical address and/or email address. You understand that TFG cannot perform the service provided
without obtaining copies of the credit reports and all correspondence from the credit bureaus.
• You agree that weekly you submit full credit updates by email of the current scores, open and closed
accounts. If you don’t submit updates all work will be ceased.
• You acknowledge and agree that you request that TFG dispute all derogatory information found on your
credit reports except for information disclosed separately. You agree that TFG will consider any
derogatory information that is not disclosed to TFG to be inaccurate, unverifiable, or obsolete.
• You understand and acknowledge that your failure to comply with any of these Terms and Conditions
may prevent TFG from performing the requested services, may delay the performance of any services
on your behalf and may void any and all of the guarantees contained herein at TFG sole discretion.
• You agree that any correspondence sent on your behalf and/or in your name by TFG re proprietary to
TFG and will not be kept as part of your client file.
• You agree to make copies of any documents provided to TFG to retain with your personal records. You
agree that TFG may not return documents forwarded by you and is under no obligation to retain copies
of the correspondence sent to the credit bureaus on your behalf.
• You understand that it is TFG policy to shred all documents not required to be retained by law after thirty
(30) days of completion of the services provided or upon cancellation of TFG services, whichever
• You understand that you are not to have your credit pulled by anyone without prior approval from TFG.
You agree to remain current on all active accounts.
• You acknowledge that if you are verified by any creditors due to your Negligence, we continue to work
on your behalf, but there will be additional filing fee of $100 due immediately.
• You acknowledge and agree that TFG will not discuss your case with any unauthorized person
(including your spouse/family member/significant other, etc.) unless you provide specific written
authorization to TFG
• You agree that everything that you have stated in this application is true and correct to the best of your
• You acknowledge that you have received a copy of this agreement and the disclosures required by the
Credit Repair Organizations Act (CROA, Sec. 405).