The term "Company" ---
(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of;

(i) improving any client's credit record, credit history, or credit rating; or

(ii) providing advice or assistance to any client with regard to any activity or service described in clause (i).

The term "Client"---
(A) an individual or consumer who hires the credit repair company to help improve, or manage their credit reports and credit scores.

Specifically, a "client":

(i) Authorizes the company to review and work on their credit reports.

(ii) May sign a written contract (as required by the Credit Repair Organizations Act - (CROA).

(iii) Provides personal and financial information such as:

a. Name, Social Security Number, Date of Birth

b. Credit report details

c. Documentation related to disputes (e.g., proof of identity, bills, letters)

(iv) Has the right to:

a. Cancel the contract within three (3) business days without charge (CROA-mandated)

b. Receive accurate disclosures and no false promises

c. Get services only after they've been rendered (advance payment is prohibited under CROA)

1. Scope of Services:

Dispute of Inaccurate Information:

This is a core service, where the company helps clients dispute inaccurate information on their credit reports with credit bureaus.

Credit Report Analysis:

Company analyze credit reports to identify inaccuracies and area for improvement.

Credit Counseling or Education:

Services may include credit counseling or education to help clients understand their credit situation and manage their finances.

2. Payment and Fees:

   Initial Consultation or Set-up Fee and Monthly or Fixed Fees. Service costs do not include the cost of obtaining credit reports.

3. Client Responsibilities:

   
   Providing Necessary Information:

   Clients are typically require to provide accurate information and documentation needed for the dispute process. Client agrees to provide all necessary information and documentation to the service in a timely manner.

Compliance with Instructions:

Clients should follow the instructions and guidance provided by the company.

Avoiding Negative Actions:

Clients should avoid actions that could harm their credit score during the credit repair process, such as late payments or excessive credit card usage.

4. Dispute Process and Timeframes:

   Dispute Filing:

   Company will typically file disputes with credit bureaus on behalf of the client

Timeframe for Resolution:

Credit Bureaus have a timeframe to investigate and respond to disputes, which can take several weeks or months.

Communication:

The company will usually communicate with the client regarding the status of disputes.

5. Legal Disclaimers:

- No Guarantees: The company generally disclaim any guarantees of specific outcomes, as credit improvement is not always a certainty. Client acknowledges that credit repair is not a guaranteed process and that results may vary.

- Client Responsibility: Clients are responsible for managing their finances and taking steps to improve their credit, even with our help.

- Limitations of Liability: The company may have limitations of liability in case of disputes or issues.

6. Termination of Services:

Termination by Client:

Client can terminate the service within three (3) days after signing contract, without any penalty or obligation.

In the event of cancellation, payment made by the client under the contract must be returned within 15 days after the company receives the notice of cancellation.

To cancel this contract, client must deliver a signed and dated copy of this cancellation notice or any other written stating "I hereby cancel this transaction" to company address before midnight on the third (3rd) day after the date client signed the contract.

Termination by Company:

The company may terminate the service if the client violates the terms and conditions or fails to company with their obligations.