1. Introduction

Welcome to Credify Credit Solutions. These Terms of Service (“Terms”) govern your access to and use of our website, products, and services, including our credit repair and credit education programs. By enrolling in or using our Services, you agree to be bound by these Terms, and any separate written service agreement signed between you and Credify Credit Solutions LLC.

You hereby agree to employ Credify Credit Solutions(CCS), their agents, employees, and/or contractors, to provide advice and assistance with respect to improving the client’s credit file, record, history, FICO or other scores, and overall credit knowledge. Generally, this service will be directed to a Consumer Reporting Agency (“CRA” or “Credit Bureau”) or to any individual or company from whom the client is applying for credit or has actually received credit (“Creditor”). Finally, these efforts may be directed to any collection agency or company supplying credit-related information to a CRA or Creditor (a “Furnisher” of information).

2. Credit Repair Organizations Act

The client has been informed that CCS is a company that sells or provides a service, in return for consideration, in an attempt to improve the client’s credit record, history or rating, and to provide advice regarding these activities, and as such, is governed by the Credit Repair Organizations Act, 15 U.S.C. 1679 (“CROA” or “The Act”).

3. Prohibited Practices by Client

CCS discloses that the following acts are strictly prohibited under the CROA, and the client agrees to refrain from assisting CCS’s agents or employees concerning the following prohibited practices:

(a) advising or making a statement to a CRA or an existing or prospective creditor which is untrue or misleading, or which should be known to be untrue or misleading, through reasonable care;

(b) advising or making a statement to alter the client’s identification to prevent the display of the client’s credit record or history from concealing adverse information which is accurate and not obsolete.

4. Prohibited Practices by CCS

CCS will not make or advise the client to make any untrue or misleading statements to credit reporting agencies, creditors, or third parties. CCS will not engage in any fraudulent, deceptive, or unfair practices in connection with the offer or sale of its credit repair services.

5. Description of Services to be Performed by CCS

Assist the client with pulling credit reports from the three major reporting agencies, Experian, Equifax, and TransUnion, through a credit watch service;

Provide the client with credit analysis and analyzer reports;

Setting up a physical file for the client containing all relevant contracts, documents, credit reports, and other information;

Reviewing and analyzing the client’s credit report to advise the client on specific credit problems or issues;

Advising the client about how CCS’s credit repair service may assist the client in resolving the specific credit problems or issues identified in the Profile Assessment;

Ongoing discussions with the client about the specific issues identified on the credit report;

Prepare correspondence to the creditors listed on the Client’s credit reports disputing the accuracy of the information they are furnishing to the CRA if the Client disagrees with the information provided by CRA;

Disclosure of any relevant or necessary supporting documentation that may be needed to support a dispute letter;

Continuing communications with the client’s Creditors or Furnishers who have inaccurate credit information to obtain a resolution or remove information on the credit report. These communications may be via telephone, email, and/or written.

Provide educational materials on various topics, such as the credit reporting process, credit scores and what factors play an important role in assigning the score, and the effect a credit score has on the client’s finances.

7. Additional Complimentary Services

CCS may also provide attorney referrals in particular circumstances without additional payment from the client. After a dispute letter and any necessary supporting documentation has been provided to a Creditor/Furnisher by CCS, and that entity fails to take corrective action, CCS may refer each client to an attorney who will review the claim and possibly pursue the client’s legal rights.

According to the FCRA (Fair Credit Reporting Act), an attorney may recover attorney’s fees, costs, and damages (and potentially punitive damages, in limited circumstances) without any up-front charge or fee to the client (also known as a “contingency fee” arrangement). This service is free.