CREDIT REPAIR SERVICE AGREEMENT

By checking the box on our booking calendar, you hereby enter into the following agreement with A1CredibleConsulting. A1CredibleConsulting agrees to perform the following services:

1. Credit Report Review

We will review your credit reports from the relevant credit reporting agencies (Experian, Equifax, and TransUnion) to identify inaccurate, erroneous, false, or outdated information. We will advise you on the necessary steps to dispute such information.

2. Correspondence Creation

A1CredibleConsulting will create the necessary correspondence to challenge any inaccurate, erroneous, false, or obsolete information in your credit report.

3. Credit Status Monitoring

We will provide continuous monitoring and consulting regarding the status of your credit profile through personal meetings, webinars, video conferencing, telephone, and email during regular business hours.

4. Payment Terms for Services

For Individuals:

  • $218 initial setup fee for document processing.

  • $98 per month until the program is completed.

For Couples:

  • $388 initial setup fee for document processing.

  • $138 per month until the program is completed.

Payment is required for services rendered and will be automatically processed on the same date each month.

Authorization for Credit Repair Services

1. Authorization to Act

By checking the box, you authorize A1CredibleConsulting to act on your behalf regarding credit improvement. This includes preparing, signing, and delivering any applications, correspondence, or agreements required to dispute negative credit items with TransUnion, Experian, Equifax, or other relevant entities.

2. Revocation of Authorization

You may revoke this authorization at any time by providing written notice to A1CredibleConsulting. Any actions taken prior to revocation will remain valid. If not revoked earlier, this authorization will expire 12 months from the date of agreement.

3. Limitation on Use

A1CredibleConsulting is prohibited from releasing or disclosing your information beyond what is necessary for the credit repair process.

4. Scope of Authorization

A1CredibleConsulting is authorized to undertake any necessary actions to repair your credit, as though you were present and acting on your own behalf.

5. Release of Liability

By agreeing to this contract, you release A1CredibleConsulting from any claims or liabilities arising from actions taken under this agreement.

Consumer Credit File Rights Under State and Federal Law

1. Dispute Rights

You have the right to dispute any inaccurate information on your credit report by contacting the credit bureaus directly. Neither you nor any credit repair organization can remove accurate and verifiable negative information unless it is outdated (7 years for most information and 10 years for bankruptcy).

2. Access to Your Credit Report

You are entitled to a copy of your credit report from a credit bureau. You may be charged a reasonable fee unless you have been denied credit, employment, insurance, or housing based on your credit report within the last 60 days.

3. Suing for Violations

You have the right to sue a credit repair organization if it violates the Credit Repair Organization Act (CROA), which prohibits deceptive practices.

4. Cancellation Rights

You have the right to cancel your contract with A1CredibleConsulting for any reason within 5 business days of entering into this agreement.

5. Credit Bureau Accuracy

Credit bureaus must follow reasonable procedures to ensure that the information they report is accurate, but mistakes can happen.

Notice of Right to Cancel

You have the right to cancel this contract within 10 days of agreeing to it without penalty or obligation. Upon cancellation, any payments made under this contract will be returned to you within 15 days. You must provide written notice of cancellation to A1CredibleConsulting at 453 S. Spring Street Los Angeles, CA 90013 before midnight on the fifth day following the date you agreed to this contract.

Acknowledgment of Receipt of Notice

By checking the box on the booking calendar, you confirm that you have received and understood the Notice of Right to Cancel and the Consumer Credit File Rights.

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