EasyToCredit
{COMPANY_ADDRESS}
{COMPANY_CITY_STATE_ZIP}
{CLIENT_FIRST_NAME} {CLIENT_LAST_NAME}
{CLIENT_STREET_ADDRESS}
{CLIENT_CITY}, {CLIENT_STATE}
DOB: {CLIENT_DOB}
3/29/2024
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:
- To evaluate Client's current credit reports as listed with available credit reporting agencies.
- To identify, under direction of the Client, inaccurate, erroneous, false, or obsolete information.
- 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.
- To prepare and send correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Client's credit reports.
- 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:
- Payment are available on the portal directly.
- $250.00 Total of Registration and Audit Fee, due at signup.
- 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