EasyToCredit

Enrollment Information

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Monitoring Information

  • Limited Power of Attorney Disclosure:

    EasyToCredit needs permission from you, to communicate with credit bureaus, creditors, data furnishers and others, in your name and on your behalf, including writing, signing and transmitting letters and electronic documents in your name. This is a Limited Power of Attorney, granting permission to Lavie consulting to do this. It authorizes and directs Lavie consulting to act as your disclosed and undisclosed agent when performing the Services, you have retained Lavie consulting to provide. You may cancel your authorization and this Limited Power of Attorney at any time by sending EasyToCredit Revocation of Limited Power of Attorney stating that you retract your authorization. Without this written authorization and Limited Power of Attorney, EasyToCredit is unable to represent you, therefore canceling this authorization will close your case. Please print a copy of the Agreement and this Limited Power of Attorney for Your records.

    hereby grant a Limited Power of Attorney to EasyToCredit and all persons in their employ, as my agent, to have the necessary power and authority to undertake and perform the following in my behalf:

    • I hereby give permission to EasyToCredit to sign all documents written on my behalf, as my duly appointed proxy, for the purpose of disputing inaccurate, erroneous, fraudulent, derogatory and obsolete credit information held on my credit report by consumer credit reporting agencies.
    • I appoint EasyToCredit as my agent to act in my behalf, as set forth in the following matters only; signing of correspondences addressed to credit bureaus, creditors and data furnishers, obtaining credit information over the telephone, fax, and/or through written correspondence from credit bureaus, creditors, data furnishers and/or collection agencies.
    • I have given Limited Power of Attorney to act on my behalf with government agencies in an effort to prepare and submit the needed documentation and granted by law to have immediate action taken by the credit bureaus regarding derogatory items on my credit report and possible fraud or identity theft.
    • I understand that I have the right to revoke or terminate this Limited Power of Attorney at any time with a written Revocation of Limited Power of Attorney to Lavie consulting.
    • According to the Consumer Credit File Rights, Under State and Federal Law, I have been made aware of the fact that I could attempt to challenge items specified above myself.

    This “Limited Power of Attorney” is given to Lavie consulting in compliance with Section 611 of the Federal Fair Credit Reporting Act (FCRA).

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  • EasyToCredit
    {COMPANY_ADDRESS}
    {COMPANY_CITY_STATE_ZIP}
     
     
    {CLIENT_FIRST_NAME} {CLIENT_LAST_NAME}
    {CLIENT_STREET_ADDRESS}
    {CLIENT_CITY}, {CLIENT_STATE}
    DOB: {CLIENT_DOB}

    10/1/2022
     
    Consumer Credit File Rights Under State and Federal Law
     
    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years.
     
    You have a 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 within the preceding 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 a 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 violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
     
    You have the 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 they report is accurate. However, mistakes may occur.
     
    You may, on your own, notify a credit bureau in writing that you dispute that 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 an 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.
     
    Your Right to Cancel
     
    You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.
    To cancel this contract, mail, email, or deliver a signed and dated cancellation notice to EasyToCredit, {COMPANY_ADDRESS} {COMPANY_CITY_STATE_ZIP}, before midnight on the 3rd day which begins after the date you have signed this contract stating

    "I hereby cancel this Credit Repair Service Agreement, Signed (Client Signature) (Date of Signature)"
     
     
    Credit Repair Service Agreement for {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}
     
    I, {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}, hereafter known as "Client", hereby enter into the following agreement with EasyToCredit.

    EasyToCredit hereby agrees to perform the following services:
    1. To evaluate Client's current credit reports as listed with available credit reporting agencies.
    2. To identify, under direction of the Client, inaccurate, erroneous, false, or obsolete information.
    3. To advise the Client of the steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained in the Client's credit reports.
    4. To prepare and send correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Client's credit reports.
    5. To review credit profile status from the applicable credit reporting agencies.
    I, {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}, agree to pay fees according to these terms:
    1. Payment are available on the portal directly.
    2. $250.00 Total of Registration and Audit Fee, due at signup.
    3. Quoted amount per itme deleted due at after deletio of that account and if not paid services will be held.
    I, {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}, also agree to open a Credit Monitoring account for the duration of my service with EasyToCredit. I will provide EasyToCredit with the login credentials and I authorize EasyToCredit to use the Credit Monitoring account to track my credit during the duration of my service. I agree that I am financially responsible to paying for the Credit Monitoring account, and it is not paid for by EasyToCredit.

     

    Credit Repair Service Authorization
     
    1. I, {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}, hereby authorize, EasyToCredit to write, send, receive, sign, and perform all actions on my behalf as necessary to update information in my credit reports. Instruments of any nature shall used as necessary in the exercise of the rights and powers herein granted.
     
    2. This authorization may be revoked by the Client at any time by giving written notice to EasyToCredit.
     
    3. I hereby release EasyToCredit and its employees from any and all matters of actions, causes of action, suits, proceedings, claims, damages, and demands whatsoever in law or equity, for or by any reason or cause regarding this contract.
     
    Please acknowledge your receipt of this notice by electronically signing the form indicated below.
     
    Electronic Signature *
     
    I, {CLIENT_FIRST_NAME} {CLIENT_MIDDLE_NAME} {CLIENT_LAST_NAME}, hereby acknowledge the receipt of my Right to Cancel. I have read and understand the terms of this agreement, and I acknowledge that I have received a copy of my Consumer Credit File Rights.

    * In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm


    This agreement between {COMAPNY_NAME} (“We,” “Our,” “Ours,” or “Us”) and

     *{CLIENT_FIRST_NAME}
     *{CLIENT_LAST_NAME}

    is a legally binding agreement (the “Agreement”). EasyToCredit provides document preparation services to assist its clients who may be victims of identity theft or Victims with UNTRUE, INACCURATE, UNVERIFIED FCRA UNLAWFUL items on the report and desire to protect their credit file from identity theft and possibly fraud by facilitating removal of items customers claim are inaccurate, outdated, and possibly fraudulent information contained on their credit reports. For our efforts to be effective, you must be truthful and diligent in giving complete and accurate information to us. EasyToCredit reserves the right to cancel this Agreement if we believe that you provided or may provide false or fraudulent information to us, your creditors or the credit bureaus.

    Please note that we do not provide legal advice. We recommend that you consult an attorney and/or thoroughly read the Fair Credit Reporting Act or the Bill of Rights before you seek advice from us. EasyToCredit accepts no liability, nor responsibility for any damage or loss caused by your use or misuse of the information provided in connection with our service.

    Disclaimer: By signing this Agreement, you acknowledge that there are inconsistencies, errors and items on your consumer credit reports that are unknown to you and permission was never requested or given to have your personal information provided to the public, sold for profit or not protected in what you feel is a proper way.

    You may receive communications requesting additional information from the credit bureaus and individual creditors investigating a claim of fraud on one or more of your alleged credit accounts. This is something that may or may not be the policy of the bureau or creditors at any given time. You should NOT respond to any such requests for additional information. All necessary information will have been provided to them by USPS as part of the services performed under this Agreement.

    EasyToCredit Service provides:

    • An evaluation of your claim that your current credit reports contain possible identity theft items that are inaccurate, erroneous, false, possibly fraudulent, or obsolete information being reported by credit reporting agencies such as Experian, Equifax and Transunion; and
    • Preparation of all necessary documents in facilitating removal of inaccurate, erroneous, false, mis-reported, fraudulent or obsolete information in your credit reports that may have derived from Identity Theft that can impact you; and
    • Placing a temporary fraud alert on your credit file to prevent any and all unauthorized use of your identity to obtain credit fraudulently; and
      Services are considered completed when potential fraud or identity theft related items, have been deleted from your credit report.
    • Note: – when identity theft is presumed, only entire effected accounts can be deleted from your credit file – individual late pays on an open, active account that is otherwise in good standing will not be deleted unless so requested by you.

    Term – The term of this Agreement is three (3) months from its execution and all services must be performed during that period. The Agreement may be extended for an additional three (3) month period by an amendment to this Agreement.

    Guarantee – Although we cannot guarantee by law a certain outcome, we prepare documents conforming to Federal Law, certain state Privacy Laws, and the Fair Credit Reporting Act. We will prepare documents to assist you to accurately report to the credit bureaus and place a fraud alert on your file to assist in protecting you against future data breaches and attempts to use your identity in a fraudulent manner.

    Governing Law – This Agreement and any dispute arising from the performance or breach hereof will be governed by and construed and enforced in accordance with the laws of the State of Florida, without reference to the conflicts of laws principles of any jurisdiction.

    Entire Agreement – This Agreement, including any attachments to the Agreement, sets forth the entire Agreement regarding the subject matter of the Agreement, and supersedes and terminates all prior agreements and understandings between You and {COMAPNY_NAME} . No subsequent alteration, amendment, change or addition to this Agreement will be binding upon You and Us unless reduced to writing and signed by You and Us.

    Non-Profit Credit Counseling Services – You have the right to hire a non-profit credit counseling service.

    Customer Responsibilities and Communications – You agree to assist us in answering certain security questions regarding your identity and credit history as may be necessary to obtain your credit reports.

    Staffing– {COMAPNY_NAME} may assign clerical staff, or others to perform work on your case. You agree services in connection with our representation of you may be performed by any associate of {COMAPNY_NAME}.

    You may revoke your Limited Power of Attorney by filling out and signing the Revocation of Limited Power of Attorney form attached to this Agreement as Attachment 2.

    Your Right to Cancel Agreement – You may cancel this contract without penalty or obligation at any time before midnight of the third day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right (Attachment 3).

    By signing this Agreement, you agree to its conditions, agree to be truthful, and you understand that no promises have been made by {COMAPNY_NAME} to you outside of this Agreement.

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