CREDIT REPAIR ORGANIZATION ACT REQUIRED DISCLOSURE
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 any '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 for 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 violates 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 the accuracy of information in your credit file. The credit bureau must then re-investigate 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 re-investigation 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
In accordance with the provisions set out in the Fair Credit Reporting Act (FCRA) section 601, 609 as well as code §1666 Correction of Billing Errors where applicable, the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Billing Act (FCBA) including all applicable laws/codes not mentioned herein designed to protect consumers as enacted by the U.S. Congress.
I have been advised of my rights under the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), the Fair Credit Billing Act (FCBA), that I have the right to receive a credit report at no cost annually from each of the top 3 credit reporting bureaus, dispute incorrect information contained in my consumer/credit/business file including but not limited to name accuracy, address(es), inaccurate information, fraudulent activity, billing errors, etc.
I authorize A Clean Slate Credit Consultants Corporation to act as an Agent on my behalf in regard to the terms of this agreement and for its sole purpose, to represent my interests in the process of disputing FACTUALLY incorrect information be it personal, financial or of a financial nature. Furthermore that I authorize Agent to access/use my social security number, license number, name, address(es), E.I.N. number and any and all personal information of an identifiable nature in order to fulfill its due diligence as well as their charge as my representative in any/all debt management matters (herein after known as credit repair) as well as accessing my consumer file/credit report(s) with TransUnion®, Equifax® and Experian® be it electronically, by U.S. postal, private courier or any other manner of communication as per this agreement and only for its purpose.
By e-signing this contract/agreement I understand and agree that willfully reporting fraud/claiming fraud/or otherwise instructing A Clean Slate Credit Consultants Corporation 'Agent' to initiate a fraud alert, freeze or any other remedy available by law on my file, on my behalf, in order to dispute information, I authorize, being claimed as fraudulent by myself, is a violation of law. I further indemnify and release from culpability/responsibility as a result of negligence/criminal violation/ethical violations and any and all responsibility stemming from information found to be accurate yet reported as inaccurate by myself and stemming from my request.
Negotiation services are NOT included in the services offered by Agent and/or A Clean Slate Credit Consultants Corp.
That pursuant to the Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681 et. seq. The Federal Trade Commission (FTC) and applicable state law, I cannot be charged in advance for work not completed. Furthermore, I understand that Agent will bill me electronically at the completion of its filling and not prior and will continue to bill me month-to-month for services performed on my behalf in the fulfillment of this contract/agreement. I am informed and aware that I can cancel at any time for any reason without prior notice or notification but that I may be charged for past work completed if applicable. It is understood that I have a 3-day grace period from the moment of signing/e-signing this contract/agreement in order to cancel. If services have been rendered on my behalf, I understand that I will be charged for those services.
If my primary language is not English. I affirm and attest that this e-contract/contract/agreement has been explained to me by a legal professional or other qualified/competent person and I further understand that it is my right to retain legal counsel to review this document prior to signing if I so choose.
I understand that this contract is to be completed after 180 days (6 months) of service billed month-to-month, within that time A Clean Slate Credit Consultants Corp. has to show results. I understand that I may cancel at any time prior to the completion of the term of this contract however I understand that to cancel prior to the term outlined herein, the Money Back Guarantee may be voided as A Clean Slate Credit Consultants Corporation reserves the right to defend its performance in the time frame outlined in its agreement.
RIGHT TO CANCELLATION
YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY FEE OR FURTHER OBLIGATION AT ANY TIME BEFORE THE 3RD BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED/E-SIGNED THE CONTRACT.
RETENTION OF COMPLIANCE RECORDS
A Clean Slate Credit Consultants Corporation shall maintain a copy of this contract signed/e-signed acknowledging receipt of the statement/disclosures.
Late fees are assessed to invoices 7 days past due. A fee of $25.00 dollars is added to all invoices which are not paid on time. Fee's may be presented in part if the infraction has exceeded 7 days but not 15 days. In such cases a $12.50 fee will appear. Failure to bring an invoice up to date will result in cancellation of contract for breach of terms.
MAINTENANCE FOR 2 YEARS
A Clean Slate Credit Consultants Corporation shall maintain a copy of the original disclosure/contract for a period of 2 years after the date on which the statement is signed by the consumer/client.
MANDATORY ARBITRATION AGREEMENT
Any dispute, controversy or claim arising out of or relating in any way to [the agreement/the relationship] including without limitation any dispute concerning the construction, validity, interpretation, enforceability or breach [of the agreement], shall be exclusively resolved by binding arbitration upon a Party’s submission of the dispute to arbitration. [In the event of a dispute, controversy or claim arising out of or relating in any way to [the agreement/the relationship], the complaining Party shall notify the other Party in writing thereof. Within thirty (30) days of such notice, management level representatives of both Parties shall meet at an agreed location to attempt to resolve the dispute in good faith. Should the dispute not be resolved within thirty (30) days after such notice, the complaining Party shall seek remedies exclusively through arbitration.]
The demand for arbitration shall be made within a reasonable time after the claim, dispute or other matter in question has arisen, and in no event shall it be made after two years from when the aggrieved party knew or should have known of the controversy, claim, dispute or breach. This agreement to arbitrate shall be specifically enforceable. A Party may apply to any court with jurisdiction for interim or conservatory relief, including without limitation a proceeding to compel arbitration.
MONEY BACK GUARANTEE
I understand and agree to the terms and/or conditions of A Clean Slate Credit Consultants Corporation's 180-day money back guarantee. I understand that A Clean Slate Credit Consultants Corporation herein known as 'Agent', must remove a minimum of one (1) items/cause to change incorrect items of information previously contained in any one of the top three Credit Reporting Bureaus as a result of their efforts. Failure on the part of A Clean Slate Credit Consultants Corporation to meet these minimum criteria in 180-days (6 months) will result in the complete money, minus interest, being refunded to me.
LOWEST COST GUARANTEE
In order for A Clean Slate Credit Consultants Corporation to fulfill its due diligence when meeting and beating competitors pricing for comparable services, all quotes must be submitted on company letterhead/stationary, from corporate entities in good standing, licensed and bonded where applicable by law. The Agents name issuing the quote must be provided, as must the business address. A Clean Slate Credit Consultants Corporation MUST be able to fulfill its due diligence and verify the quote prior to meeting/beating or adjusting current accounts to a new rate.
I understand and agree and affix my name to this document*
A Clean Slate Credit Consultants Corp.
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