General Terms & Conditions
Download General Terms & Conditions
A. This Credit Report Audit and Investigation Service Contract between Credit Score Improvement, LLC and the undersigned "Client" (refers to both in case of a couple) is for the purpose of purchasing credit report audit/analysis, investigation and improvement services (the "Services"). The "Services" will include preparation of correspondence to credit bureaus to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information, which the "Client" states appears on the credit reports which the "Client" has furnished Credit Score Improvement, LLC. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. Credit Score Improvement, LLC agrees to use its best efforts to provide the "Services", and will perform them in accordance with federal and state laws.
B. The “Client” understands that there will be a Credit Report Analysis/Audit Fee of $850.00 for an individual, and $995.00 for a couple, billed at the time this contract is signed and that Credit Score Improvement, LLC will analyze/audit the “Client’s” credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. There will be no fees or any other charges associated with the “Services” which will be for a one year term. The “Client” understands and agrees that after the one year term of “Services”, a monthly fee of $69.00 for an individual, and $99.00 for a couple will be due, and that this fee will be charged until I cancel these services. The monthly fee is for all costs and fees associated with the previous month's “Services”. The “Client” understands that the monthly fee includes the continuing analysis/audit and investigation/dispute of up to three credit bureau, all correspondence associated with the credit report audit, investigation, and improvement process, the review for changes requested by the “Client” to the “Client’s” credit reports as a result of contacts made on the “Client’s” behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit score improvement.
C. The “Client” agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to Credit Score Improvement, LLC within five (5) days after the date received. If the “Client” has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis/Audit, the “Client” must notify Credit Score Improvement, LLC.
D. The initial term of this contract is for one year, after the first year the contract shall be month to month, automatically renewing until such time as the “Client” cancels. “Client” may cancel this contract at any time after the first year. If the “Client” decides to cancel the “Services” and terminate this contract, the “Client” shall give 15 days prior written notice requesting such termination to Credit Score Improvement, LLC. The “Client” is responsible for payment of any “Services” performed by Credit Score improvement, LLC up to the date of receipt of the notice to cancel such “Services”.
E. By executing this contract to obtain Credit Score Improvement, LLC Credit Report Audit and Investigation Services, the “Client” grants Credit Score Improvement, LLC during the term of this contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the “Client” provided in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of “Client’s” credit reports, “Client’s” credit history or other creditor information for the “Services”; 2) use “Client’s” name to sign correspondence addressed to creditors, record holders and credit bureaus; 3) obtain credit information over the telephone, fax, and or through the internet from record holders; 4) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. Credit Score Improvement, LLC acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, Credit Score Improvement, LLC will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The “Client” shall have the right to revoke or terminate the limited power of attorney provided under this contract at any time upon written notice to Credit Score Improvement, LLC. Otherwise, the limited power of attorney shall terminate upon termination of this contract. All questions pertaining to validity, interpretation and administration of this contract shall be determined in accordance with the laws of Texas. “Client” agrees that the “Client’s” limited power of attorney is valid throughout the United States for all Customer Information to be obtained by Credit Score Improvement, LLC pursuant to this contract by the binding and enforceable signatures set forth below.
This contract contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.
F. Money Back Guarantee. To be eligible for a refund the “Client” must be actively enrolled in the “Services” for one full year. If at the end of twelve months, the “Client” has forwarded credit reports every sixty days and completed “Client’s” commitments to the “Service”, and the “Client” is not satisfied with our results, Credit Score Improvement, LLC will gladly offer the “Client” a refund based upon results achieved not to exceed 50% of the one year service fee. Credit Score Improvement, LLC agrees to exercise its best efforts to improve the “Client’s” credit profile during the period outlined for the client, subject to the "Client's" understanding that the achievable results are dependent on numerous factors, including but not limited to the “Client’s” repayment of existing debts and loans, reasonable cooperation of the “Client’s” creditors, and the ability of independent credit bureaus' to verify information provided to them by Credit Score Improvement, LLC on behalf of the “Client”.
G. The “Client” agrees to indemnify and hold Credit Score Improvement, LLC, their agents, brokers and employees, harmless from all claims, losses, expenses, fees including attorney fees, costs, judgments that may be asserted against the “Client” that result from the acts of omissions.
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Credit Score Improvement, LLC || 312-560-9220 || rich@mycreditscoreimprovement.com