Whereas, (Print Name) _______________________________________________ (hereafter referred to as “Client”) desires to retain the services of the A Fresh Start LLC (hereafter referred to as “AFS” for the purpose of improving Client’s credit profile, and helping Clients to establish or obtain new credit.
You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, negative information removed from your credit report before it is seven years old. Bankruptcy information can be reported for ten years.
You have the 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 with in 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 the 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. The law prohibits deceptive practices by credit repair organizations.
You have a 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 on the 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 any 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.
AFS agrees to evaluate the Client’s current credit profile and will advise Client on the necessary steps to legally remove information that is not accurate, complete, or verifiable. Client understands that the removal of information from the credit bureau’s files does not necessarily relieve the financial obligation to the creditor. Accurately reported items on a credit report cannot be removed.
AFS guarantees that they will do everything in their power to legally improve the Client’s credit profile within one year from the date of this agreement.
AFS will prepare all necessary correspondence in disputes of all derogatory information on Client’s credit report for Client’s signature.
Clients agrees to mail all correspondence received from AFS within three days to the appropriate agencies, and further agrees to mail all correspondence received from the credit bureaus in their original form to AFS within three days of their receipt by client. Correspondence from the credit bureaus that are mailed more than fifteen days after their receipt may result in a $100.00 reactivation fee.
Client further agrees to notify AFS if client has not received answers to correspondence mailed to the credit bureaus within sixty days of the last mailing.
Client agrees not to apply for credit while AFS is assisting them without the prior written approval from AFS. Failure to do so may result in voiding this contract.
Client agrees to pay AFS a retainer in the amount of $695.00 per individual ($1390 per couple) and will be payable as follows, $695 per individual or$1,390 per couple is due at the time of the signing of this contract.
If AFS has begun the process of agreed upon services and Client wishes to withdraw by rejecting such service or the advise of AFS, AFS will not be liable under the agreement and will be entitled to the full payment herein.
If, after one year from the start of service, and all obligations of Client have been made, AFS agrees to refund to the Client any unused portion of the original retainer. Taking the original retainer fee and dividing it by the total number of inaccurate negatives will determine a per item amount. At the end of one year, Client may elect to receive a refund or elect to have AFS continue with their service. This will be the Client’s decision. If the Client elects to have AFS continue, then there will be no refund policy in effect.
I hereby appoint AFS and its appointees as my attorney-in-fact to do the acts described in this Limited Power Of Attorney. AFS and its appointees are herby authorized to negotiate on my behalf with the credit bureaus, my creditors, collection agencies, attorney or other third party who may be in possession of records and documents that could be viewed by me personally.
I hereby authorize AFS and its appointees to run a merged copy of my credit report(s) with Experian, Equifax, and Trans Union prior to entering into any agreement with AFS for related services.
I further understand that this inquiry may remain on my credit report for a period of two years.
Executed this ________day of______________________________, 2004
|Your First Name||______________________________________________________________|
|Your Middle Name||______________________________________________________________|
|Your Last Name||______________________________________________________________|
|Your Street Address||______________________________________________________________|
|Your Contact Number||______________________________________________________________|
|Social Security Number||______________________________________________________________|
|Spouse First Name||______________________________________________________________|
|Spouse Middle Name||______________________________________________________________|
|Spouse Last Name||______________________________________________________________|
|Spouse Street Address||______________________________________________________________|
|Spouse Phone Number||______________________________________________________________|
|Spouse Social Security #||______________________________________________________________|
Fax this signed document to: (425) 739-4519 FAX NUMBER