BLUEPRINT FORWARD

TERMS OF SERVICE

Terms of Service

Effective Date: January 1, 2025

Business Name: Blueprint Forward Consulting, LLC

Website: blueprintfc.com

1. Acceptance of Terms

By accessing, applying for, or using any services provided by Blueprint Forward Consulting, LLC ("Blueprint Forward," "Company," "we," "us," or "our"), you ("Client," "you," or "consumer") agree to be legally bound by these Terms of Service.

If you do not agree to these terms, you must not use our services.

These Terms of Service constitute a legally binding agreement between you and Blueprint Forward Consulting, LLC.

2. Nature of Services

Blueprint Forward provides educational, administrative, and advocacy-based credit-related services. We do not provide legal advice, accounting services, or act as attorneys or fiduciaries.

Services We Provide:

Credit Repair Services

Credit report analysis
Dispute preparation and submission
Communication with credit bureaus and creditors
Credit strategy consultation
Ongoing monitoring and optimization

Business Credit & Funding Services

Business credit profile development
SBA loan preparation and consultation
Fundability analysis
EIN credit establishment
Lender introduction and positioning

Identity Theft Recovery

FTC Identity Theft Report assistance
§605B blocking requests
Mixed-file separation
Fraud dispute management

Student Loan Consulting

Loan accuracy audits
Servicer compliance review
Discharge eligibility analysis
Repayment plan optimization

Real Estate Credit Strategy

Mortgage readiness preparation
Investor credit optimization
HELOC and refinance positioning

Business Formation Services

LLC formation assistance
EIN registration
Compliance documentation

Advanced Credit Strategy

Custom credit optimization (application-only)
Strategic profile management
Tradeline education

3. What We Do NOT Do

Blueprint Forward does not:

Lend money or provide financing
Make credit decisions or approve loans
Provide legal advice or legal representation
Provide tax advice or accounting services
Act as attorneys, CPAs, or fiduciaries
Guarantee specific outcomes or credit score increases
Control the actions of creditors, credit bureaus, or lenders
Remove accurate, timely, or verifiable information from credit reports

All decisions regarding credit reporting and lending are made solely by third parties (credit bureaus, creditors, lenders) according to federal law.

4. No Guarantees (Required by Law)

Under the Credit Repair Organizations Act (15 U.S.C. §1679):

❌ NO specific result or credit score increase is promised or guaranteed.

Results depend on multiple factors outside our control, including:

Accuracy and verifiability of information on your credit reports
Credit bureau and creditor responses to disputes
Your participation and cooperation in the process
Federal and state laws governing credit reporting
Timeframes required for credit bureau investigations (30-45 days)
Actions taken by creditors and data furnishers

Any examples, case studies, or references to past results are NOT promises of future outcomes. Your results may be better or worse than others' results.

We cannot and do not guarantee:

Deletion of any specific item
Increase in credit score by any specific amount
Approval for credit cards, loans, or mortgages
Approval for SBA loans or business funding
Specific timeframe for results
Any particular outcome

5. Identity Theft and Fraud Saf5. Client Responsibilities

By using our services, you agree to:

Provide Truthful Information

Provide accurate, complete, and truthful information
Update us promptly if any information changes
Notify us of any disputes or issues with credit bureaus

Review All Communications

Review all correspondence prepared on your behalf before submission
Approve all dispute letters and communications
Understand that you remain legally responsible for all statements made to credit bureaus

Cooperate and Participate

Respond to requests for information in a timely manner
Provide requested documentation when needed
Attend scheduled consultations and strategy sessions
Follow recommended strategies and action plans

Understand Your Rights

Understand that you have the right to dispute credit errors yourself at no cost
Understand that results cannot be guaranteed
Understand that disputes may not result in deletions or score increases

You remain legally responsible for all information submitted to credit bureaus and creditors, even when we prepare the communications on your behalf.

6. Consumer Rights Under CROA

Under the Credit Repair Organizations Act (CROA), you have the following rights:

Right to Dispute Errors Yourself

You have the legal right to dispute inaccurate information on your credit report yourself at no cost by contacting the credit bureaus directly:

Experian: 888-397-3742 | experian.com/disputes
Equifax: 800-685-1111 | equifax.com/disputes
TransUnion: 800-916-8800 | transunion.com/disputes

You are not required to purchase credit repair services to exercise your rights under federal law.

Right to Cancel Within 3 Business Days

You have the right to cancel any credit repair contract within three (3) business days from the date you sign the agreement, without penalty or obligation.

To cancel:

Submit written notice via email, certified mail, or electronic signature platform
Email to: [email protected]
Subject line: "Cancellation Request"
Include your name and date of service agreement

Cancellation is effective immediately upon receipt of written notice. You will not be charged any fees for work not yet performed.

Right to Obtain Credit Reports

You have the right to:

Obtain a free credit report every 12 months from each bureau at annualcreditreport.com
Request additional reports if you've been denied credit
Review your credit reports before we begin services

Right to Sue

You have the right to sue a credit repair organization that:

Violates CROA provisions
Makes false or misleading statements
Charges advance fees (before services are performed)
Fails to provide required disclosures

7. Identity Theft Services

If you engage our identity theft recovery services, you certify that:

All identity theft claims are truthful and verifiable
You have not fabricated or exaggerated fraud claims
All documentation provided (FTC reports, police reports) is legitimate
You understand that false fraud claims may constitute federal and state offenses

Blueprint Forward does NOT:

Fabricate identity theft claims
Create false FTC reports or police reports
Encourage or assist with fraudulent statements

If we suspect fraud or false claims, we reserve the right to:

Immediately suspend or terminate services
Report suspected fraud to appropriate authorities
Refuse to process claims we believe to be false

8. Fees and Payment Terms

Credit Repair Services

CROA Compliance: We do not charge or collect advance fees for credit repair services where prohibited by law. Fees are earned only after services are performed each month.

Billing:

Monthly fees are billed in arrears (after work is completed)
First-month fee covers initial credit analysis and first round of disputes
Subsequent monthly fees cover ongoing dispute management and monitoring

Payment Methods:

Credit card (Visa, Mastercard, American Express, Discover)
ACH bank transfer
Other methods as agreed upon

Consulting and Advisory Services

For non-credit-repair services (business formation, strategic consulting, etc.):

Fees may be charged upfront as consulting fees are not subject to CROA advance fee restrictions
Fees are disclosed separately in service agreements
Payment terms vary by service type

Late or Missed Payments

Services may be suspended if payment is more than 15 days overdue
A $25 late fee may apply to payments more than 30 days overdue
Returned payments (insufficient funds) may incur a $35 fee

Refund Policy

You may cancel at any time with 30 days' written notice (except 3-day CROA cancellation period)
Refunds apply only to unperformed services
Completed work is non-refundable
See our Refund Policy page for complete details

9. Electronic Communications Consent

By using our services, you consent to receive communications electronically, including:

Methods of Communication:

Email
SMS/text messages
Secure online portal
Electronic signatures and documents

Types of Communications:

Service updates and appointment reminders
Dispute status updates
Educational content and credit tips
Billing statements and invoices
Legal notices and disclosures

Withdrawing Consent: You may withdraw consent to electronic communications at any time by contacting us in writing. Note: Withdrawing consent does not affect the validity of previously signed electronic agreements.

10. Service-Specific Terms

Business Credit & Funding Services

For SBA loans and business funding:

Final lending decisions are made by banks and lenders, not Blueprint Forward
We do not approve loans or guarantee funding
All SBA programs are subject to underwriting, cash flow analysis, and policy review
We provide preparation, positioning, and advisory services only

Tradeline Services

Advanced Credit Strategy

Services are offered by application only and subject to qualification
Tradelines are not loans or credit extensions
Results are not guaranteed and vary by individual
Tradelines may impact different credit bureaus differently
Subject to credit bureau and lender interpretation

Student Loan Services

For student loan consulting:

We do not make discharge or forgiveness decisions
Final decisions are made by the Department of Education and loan servicers
We provide consulting, analysis, and navigation support only

11. Limitation of Liability

To the fullest extent permitted by law:

Our liability is limited to the amount of fees you paid for services rendered.

We are not liable for:

Indirect, incidental, consequential, or punitive damages
Lost profits or business opportunities
Credit denials or loan rejections
Actions taken by credit bureaus, creditors, or lenders
Delays caused by third parties (bureaus, creditors, courts)
Results of credit bureau investigations
Changes in credit scoring models or lending criteria

This limitation applies even if:

We have been advised of the possibility of such damages
A remedy fails of its essential purpose
Claims are based on contract, tort, strict liability, or any other legal theory

12. Arbitration and Dispute Resolution

Any dispute arising from these Terms or our services shall be resolved through binding arbitration, except where prohibited by law.

Arbitration Agreement:

Disputes will be resolved through the American Arbitration Association (AAA)
Governed by the Federal Arbitration Act
Conducted in Florida (or your state of residence if required by law)
Each party bears its own arbitration costs
Class action waiver: You agree to arbitrate disputes individually, not as part of a class action

Exceptions to Arbitration:

Small claims court matters (under jurisdictional limit)
Injunctive relief to prevent irreparable harm
Claims that cannot be arbitrated under applicable law

30-Day Opt-Out Period: You may opt out of this arbitration agreement by sending written notice within 30 days of signing your service agreement to: [email protected]

13. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Federal laws that apply:

Fair Credit Reporting Act (FCRA) - 15 U.S.C. §1681 et seq.
Credit Repair Organizations Act (CROA) - 15 U.S.C. §1679 et seq.
Gramm-Leach-Bliley Act (GLBA) - 15 U.S.C. §6801 et seq.
Fair Debt Collection Practices Act (FDCPA) - 15 U.S.C. §1692 et seq.

14. Severability

If any provision of these Terms is deemed invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect.

15. Entire Agreement

These Terms, along with our Privacy Policy, FCRA Disclosure, and service-specific agreements, constitute the entire agreement between you and Blueprint Forward Consulting, LLC.

This agreement supersedes all prior:

Oral or written agreements
Representations or understandings
Marketing materials or advertisements

Modifications: We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised effective date. Your continued use of services after changes constitutes acceptance.