Credit Repair Service

1. Provide a secure client web portal for information access and document sharing. A username and password will be provided.
2. Assist client in obtaining a copy of their credit report if needed.
3. Periodic review and analysis of Client’s credit report which is viewable through the client web portal.
4. Receive and process manual/automatic updates for Client.
5. Respond to, receive, and/or initiate correspondence via telephone, online, email, fax, or regular mail on behalf of client
6. Create and execute a strategic plan to assist client in meeting their goals.
7. Create letters, emails, faxes, or electronic communications to the applicable creditors, collection companies, public record offices, and the major reporting agencies in the attempt to correct or remove errors and other items appearing on the client’s credit report which client indicates to be inaccurate, incomplete, outdated, or unverified as per the FCRA on the client’s behalf.
8. Company will submit transmittals of challenges within 7 business days of receipt of credit information and executed disclosures and agreement from client or file review with client.
9. Assist client with credit questions and provide ongoing credit education.
10. Provide client link to opt out from communication to reduce junk mail.

Service Fees

1. Audit Fee is a one-time fee to be charged after the audit is prepared. Essential Plan $199/individual and $298/couple. Premier $299/individual and $398/couple. An estimate of total possible cost for credit repair will be included in the audit. This estimate is if ALL negative items were corrected or deleted, which we cannot guarantee.
2. File review fee of $10 for an individual and $5 for a partner will be assessed once the file review is completed.
3. Client will only be charged after items have been successfully removed or repaired on Client’s credit file. Client will not be charged any advance fees for credit repair services. Credit Monitoring: Deletions/repair fees will be confirmed through a third party credit monitoring service (e.g. Smart Credit, IDIQ). Client agrees to maintain credit monitoring until the final file review is complete. Client can confirm deletions via client portal.

Deletion fee amounts are per item, per bureau:

$100 - Bankruptcies
$35 - Late Payments, Collections, Repossessions
$25 - Inquiries
$10 - Personal Info (Incorrect SS#, Names, Addresses)

Client’s Responsibilities and Obligations:

1. Client agrees to sign a Limited Power of Attorney granting company specific right to contact, represent, and send correspondence produced by Company on Client’s behalf.
2. Client agrees to immediately forward to Company any and all mail or electronic correspondence received from creditors, credit reporting agencies, collection companies, public record offices, etc. regarding any client credit file information.
3. Client agrees to provide (initially and ongoing) credit reports to company with scores from all three credit-reporting agencies (Experian, TransUnion, and Equifax).
4. Client agrees to maintain credit monitoring until the final file review is complete.
5. Client agrees to contact Company with any questions regarding their credit including applying for any consumer credit. Credit repair services may need to be completed before applications for credit are submitted.
6. Client agrees to maintain on-time monthly payments of any current credit obligations (nothing 30 days or more past due), not allow new collections, Judgments, Tax Liens, etc. Failure to maintain those payments will likely result in severe damage to Client’s credit file.
7. Client agrees to payment terms and conditions set forth in this Agreement regarding billing procedures and further agrees to maintain prompt payment of any fees due company.
8. Client understands that all fees that arise from Company’s credit repair process are due within 7 days of a completed file review. Should a client choose to not pay an invoice in full, a $125 minimum payment for a single client, or $175 for a joint client (couple) is due monthly towards the outstanding invoice. This minimum payment will be processed to the card on file 7 days after file review UNLESS client makes contact prior to this date and an alternate arrangement is reached. A $25 fee can be charged per client if minimum monthly payment is not made within a 30-day period. COMPANY CAN TERMINATE THE AGREEMENT IF THE UNPAID BALANCE DUE TO THE COMPANY IS NOT PAID IN A TIMELY MANNER.

Disclosures for all services rendered by Company:

1. Client understands credit repair and restoration is not a quick fix, and Company has not provided any specific promise or guarantee of time frame for updates on any given item.
2. The Company will not remove any derogatory information (defined as accurate negative information appearing on a Client’s credit report that actually belongs there), nor will the Company assist Client on improving Client’s credit rating.  Instead, as a Utah compliant credit repair organization, the Company exclusively assists its Clients in removing or correcting inaccurate or unverifiable information appearing on their credit reports.
3. Client acknowledges that Company does not guarantee Client will receive any type of financing or additional benefits as a result of Company’s services.
4. Client understands that the addition of new derogatory information will negatively impact the results of Company’s service. Client also understands that Company will only attempt to remove erroneous, outdated, or incorrectly reported information from the credit reporting agencies, as allowed by state and federal law, and understands that Company makes no claim beyond those changes allowed by state and federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information.
5. Client acknowledges that company must discontinue services on any item(s) that are fully validated by the reporting source, and confirmed verified by the reporting agencies.
6. Client understands that it is their right to execute similar disputes on their own behalf, but has willfully elected to allow Company to perform the services for the fees agreed upon by Client and Company.
7. Client acknowledges that they have the option of utilizing a non-profit credit-counseling agency if they are struggling to pay their monthly unsecured debt payments.
8. This Agreement is entered into and shall be governed by and construed according to the laws of the State of Utah.
9. Client acknowledges they have received a copy of company’s privacy policy, and a copy of the required disclosures prior to signing this agreement.
10. Company shall provide the Client with documentation that work has been completed prior to the Company’s collecting its fee (e.g. File Review)
11. Client acknowledges that Company retains the option of utilizing third party entities to provide its services to the Client.
12. The term of this agreement is for a maximum of 12 months from when the services are initiated. It is estimated that the company will have completed providing its services to you within 12 months (if not sooner) after the date you sign this agreement.
13. If Company is unable to complete the final file review due to an inactive or unavailable credit monitoring service, Client will be assessed a $100.00 cancellation fee. This fee will be added to the Client's invoice and billed out along with any prior fees and the agreed upon billing rate.
14. Client understands this is a binding agreement and failure to make the payment for completed services can result in negative activity to client’s credit file. Company also reserves the right to file the proper paperwork in attempt to obtain a Judgment for the amounts owed plus any legal fees.
15. The Company’s registered agent to accept service of process in the state of Utah is Sara Ashcraft. The service address is: PO Box 1234 Draper UT 84020.
16. Company has secured a surety bond. Should the company violate Utah law in providing services, the buyer has right to proceed against this bond. Information regarding this bond is found below.

Hartford Fire Insurance Company - One Hartford Plaza Hartford CT 06115

Electronic Communication

Client agrees, unless specifically requested otherwise, that by entering into transactions with Company, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company. Client has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Client’s consent may be withdrawn at any time upon Company’s receipt of such withdrawal. However Client’s withdrawal of Client’s consent to conduct business electronically can only occur if applicable law specifically requires Company to provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company can complete certain steps in transactions with Client and delivering services to Client. To inform us that Client either withdraws Client’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information Client may send to: Triad Systems Inc. d/b/a Triad Credit, PO Box 1234 Draper UT 84020. Client acknowledges and agrees that the Internet is considered inherently insecure. Therefore, Client agrees that Company has no liability to Client whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied.

Binding Arbitration Agreement

This section, as it pertains to dispute resolution procedures, will override any sections of the agreement that appear contrary or which appear to give the Client the right to sue the Company. In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by mandatory, binding arbitration in the state of Utah or the jurisdiction of where the Client resides. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys’ fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award.   Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator.  This section and the arbitration requirement shall survive any termination.

Cancellation Policy

Buyer may cancel this agreement at any time prior to midnight of the 5th day after the date of the transaction. See the attached notices of cancellation for an explanation of this right.

The 2 cancellation notices below are simply a legal requirement for our agreement. 

NOTICE OF RIGHT TO CANCEL - COPY 1

Agreement can be cancelled without any penalty or obligation within 5 days from the date the agreement is signed/acknowledged. If cancelled, any payment made under this agreement must be returned by the company within 10 days of receiving cancellation notice.

To cancel, mail, fax, or deliver a signed, dated copy of this cancellation notice or other written notice, to: Triad Systems Inc. d/b/a Triad Credit, PO Box 1234 Draper UT 84020, not later than midnight of the 5th day.

NOTICE OF RIGHT TO CANCEL - COPY 2

Agreement can be cancelled without any penalty or obligation within 5 days from the date the agreement is signed/acknowledged. If cancelled, any payment made under this agreement must be returned by the company within 10 days of receiving cancellation notice.

To cancel, mail, fax, or deliver a signed, dated copy of this cancellation notice or other written notice, to: Triad Systems Inc. d/b/a Triad Credit, PO Box 1234 Draper UT 84020, not later than midnight of the 5th day.