This Contract Agreement is issued pursuant to the Credit Restoration Services Master Agreement between

 and TFG (“Contractor”)effective (the “Agreement”). This states that TFG is subject to
the terms and conditions contained in the Agreement between the parties and is made a part thereof. Any term not
otherwise defined herein shall have the meaning specified in the Agreement. In the event of any conflict or
inconsistency between the terms of this Contract and the terms of this Agreement, the terms of this Contract shall
govern and prevail.

Period of Performance

 

 

 

Cancellation Policy 
You may cancel this contract without penalty or obligation at any time before midnight of the
3rd business day after the date on which you signed the contract. 

The initial $300 in non refundable no matter when you cancel.  Whether it's within three days or not.  

Payment Terms:  

• The initial filing fee (after completion of free consultation ) is $300 dollars unless discounted.
Payment is due as follows: half due at signing up contract, remaining due in five (5) days after this
contract is signed. During these 5 days we will complete the filing process. The Filing Fee is Non
refundable! If your filing fee is not paid on time there will be a $25 late fee added and after 5days another $25 will be added if it's not praid.  On the tenth day your file will be closed and 
legal proceedings will begin.  You will be responsible for past due balance , late fee, attorney fee, court fees and correspondence to   your creditors on your behalf.  

• Your Bi weekly fee is due after filing is done is.

Scope of Work

• Contractor shall provide the Services and Deliverable(s) as follows: Improve client’s FICO/credit
scores and credit history.

• Provide consulting services on credit history and will work hard to improve your credit rating
and clear and/or correct your credit report of the credit and personal items which you believe
and identify to be inaccurate, misleading or unverifiable.

• However, because the particular issues involved in each individual case vary from case to
case, TFG cannot guarantee a specific outcome or accurately predict how long the process
will take, but the average time for most clients is six (6) months. As such, the dispute process,
or credit cards or debt negotiations may take more or less than twelve months.

• TFG relies on the accuracy and truthfulness of the information that “you” provide to perform
our services.

1. TFG disclaims any guarantee herein contained if the client does any of the following:

• Provides inaccurate information of any kind, included but not limited to, any personal
information.

• Changes their mailing address.

• Adds any new negative accounts to their credit report(s).

• Obtains new credit.

• Exceeds 50% of the credit limit on any open credit account.

• Violates or fails to fully comply with any of the Terms and Conditions contained herein. 


Terms and Conditions

As a client, you understand, acknowledge and agree to the following:


• You agree to retain TFG to provide any of the services listed in the Scope of Services, including but not
limited to, disputing negative items on your credit you believe may be inaccurate, misleading, or
unverifiable.

• You understand that this is a process. The first 45 days is the verification period, (score will go up and
down). The next 30 days depending on the findings from the verification period, (scores are not the
factor at this time). The next 30 days you will see accounts start to show a change in status, (scores
are not a factor at this time). Once all negative items have been closed it’s immediately important to
obtain a secured credit card (only to be used as instructed). Once there is positive credit posting than
closed items will be removed. This is done in this order to help the score building process.

• You understand that it’s your responsibility to adhere to the process. If you are a score watcher this is
not the program for you. This program will legally and permanently restore your credit. You will be
educated on building and maintaining a healthy credit profile. You are not to verbally abuse any TFG
staff.

• You agree to pay TFG the initial Filing Fee half at signing of contract and remaining within (5) business
days of signing this Agreement and only after the free consultation is complete . You understand and
acknowledge that the Filing fee is non-refundable after signing this Agreement and after the filing is done.

• 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
of contract.

• 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
billing cycle.

• 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
occurs first.

• 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
knowledge.

• You acknowledge that you have received a copy of this agreement and the disclosures required by the
Credit Repair Organizations Act (CROA, Sec. 405).

By signing this Agreement below, you acknowledge and agree that you, the Client, have read and agree to all of
the terms of this Agreement. If you chose not to agree to any of the terms herein, you understand that TFG will
not be able to represent you nor will you be a Client of TFG.

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 7
years old. Bankruptcy information can be reported for 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 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.

• 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 reinvestigate 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 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 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

Limited Power of Attorney Disclosure
TFG needs permission from you, (the client) to communicate with credit bureaus, creditors, data
furnishers and others, in your name and on your behalf, including writing, signing and transmitting
letters and electronic documents in your name. This is a Limited Power of Attorney, granting
permission to TFG to do this. It authorizes and directs TFG to act as your disclosed and undisclosed
agent when performing the services you have retained TFG to provide. You may cancel your
authorization and this Limited Power of Attorney at any time by sending TFG Revocation of Limited
Power of Attorney stating that you retract your authorization. Without this written authorization and
Limited Power of Attorney, TFG is unable to represent you, therefore canceling this authorization will
close your case. Please print a copy of this Agreement for your records.
Be it known that by submitting this form I 

hereby grant a Limited Power of
Attorney to TFG and any and all persons in their employ, as my agent, to have the necessary power
and authority to undertake and perform the following in my behalf: 

I, 

hereby give permission to TFG to sign all documents written on my
behalf, as my duly appointed proxy, for the purpose of disputing inaccurate, erroneous, and
obsolete credit information held on my credit report by consumer credit reporting agencies.

• I appoint TFG as my agent to act in my behalf, as set forth in the following matters only;
signing of correspondences addressed to credit bureaus, creditors and data furnishers,
obtaining credit information over the telephone, fax, and/or through written correspondence
from credit bureaus, creditors, data furnishers and/or collection agencies.

If mediation of a debt is necessary, I, 

give TFG and its officers, the right to
discuss information to help resolve, reduce, or dispute a debt.   I, 

understand that
I have the right to revoke or terminate this limited power of attorney at any time, with a written
Revocation of Limited Power of Attorney to TFG According to the Consumer Credit File Rights, Under
State and Federal Law, I have been made aware of the fact that I could attempt to repair my own
credit.

This “Limited Power of Attorney” is given to TFG in compliance with Section 611 of the Federal Fair
Credit Reporting Act (FCRA).