Smart
Credit Repair
Joint Annual Service Contract
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REQUIRED FIELDS
Names
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Last Name
Primary Client
Spouse
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First Name
MI
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First Name
MI
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Birthday (Month/Day/Year)
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Birthday (Month/Day/Year)
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Social Security Number (000-00-0000)
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Social Security Number (000-00-0000)
Address
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Address
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City
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State /
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Zip
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Contact Information
Phone
Cell
Email
Bank or Institution Information
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Institution or Bank Name
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9 Digit Routing Number
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Account Number
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Checking Or Savings Account
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Authorize Debit From My Account
Checking
Savings
Yes, for the amount of $895.00.
Acceptance of Contract Terms
Cost Of Service The fee for this service will be $0.00. Your initial set up fee is only $895.00 charged annually. You may cancel at any time. Payment Date Pay no money now. Your regular payment date will be four business days from today, unless other arrangements are made. Retainer Agreement and Limited Power of Attorney Smart Credit Repair (“SCR”) will use the federal law in attempt to correct errors and other misleading information found in your credit reports by challenging the credit items that you identify to SCR as inaccurate, incomplete, misleading, unverifiable, or outdated. When SCR receives legible copies of credit reports from you, it will draft, sign, and send letters to the three major credit reporting agencies on your behalf and in your name. SCR can not guarantee a specific outcome or accurately predict how long the process will take. The process can only be commenced once the credit report has been received, pre-counseling and initiation has been completed. In many instances of minimal work to be completed, the process will take no less than 60 days. However, as every situation and case sensitivity is different, it would be unfair and unjust to promise that short of an outcome. SCR does not charge you for services not completed. SCR only, charges after the initial setup and after the work has been performed each month. 1. In consideration of SCR’s services and fee structure, you agree: a. To notify SCR of items that you identify as inaccurate, incomplete, misleading, unverifiable, or outdated. b. To pay SCR the initial setup cost of $189.95 within six (6) days of the date on this signed contract, and $89.95 each subsequent month work has been performed the previous month. You grant SCR permission to withdraw the earned funds from your credit card or bank account unless you terminate this Agreement. c. To mail legible copies of your credit reports to SCR at least every seventy-five (75) days; promptly forward SCR copies, or originals of all correspondence that you receive from the credit reporting agencies, furnishers, or others of a similar nature pertinent to SCR’s efforts on your behalf; and promptly inform SCR of any change of your address. To communicate with the credit reporting agencies only through SCR’s written correspondences. d. That you intentionally sought out the service of SCR, which is located in Indiana, to perform such work as identified here, and individuals under the direct control of SCR’s management team may perform the services. e. That the success of the services performed detailed herein depends heavily on your fulfillment of this agreement and its commitments said forth. f. Prompt response to all communication from SCR is required to maximize results. g. In the event you do not perform the above tasks as agreed, SCR may cancel this agreement by email, telephone, or written communication sent by the United States Postal Service. 2. GOVERNING LAW. This agreement is deemed to have been executed and performed exclusively in the State of Indiana. Indiana law, without regard to conflict of law provisions, exclusively governs this application and enforcement of this agreement. 3. ARBITRATION. Any dispute between you and SCR shall be settled by binding arbitration administered by an arbitrator chosen by SCR. The parties waive the right to a trial by jury, to appeal arbitrator’s decision, or to participate in a class action lawsuit regarding any dispute arising out of or relating to this Agreement. 4. ENTIRE AGREEMENT. This Agreement, and the Legally Required Disclosure Statement, constitutes the entire agreement between you and SCR and may be modified only in writing. 5. POWER OF ATTORNEY AND ELECTRONIC SIGNATURE. SCR needs permission from you to communicate with credit reporting agencies, and potential creditors and others, in your name and on your behalf, including writing, signing, and transmitting letters and electronic documents in your name and obtaining copies of your credit reports from third parties. Dispute letters on your behalf are considered proprietary and will not be automatically sent to you. This is a Limited Power of Attorney, granting permission to SCR to do this. It authorizes and directs SCR to act as your disclosed or undisclosed agent when performing the services you have retained SCR to provide. You may cancel your electronic authorization, and the Limited Power Of Attorney, at any time by sending SCR and email, or by written letter stating that you retract your electronic authorization and Limited Power of Attorney. Without this electronic authorization and Limited Power of Attorney, SCR is unable to take action on your behalf, and canceling it will close your file with SCR. 6. CANCELLATION POLICY. You may cancel this service at anytime without penalty by submitting your request in writing to: SMART CREDIT REPAIR, P O Box 152, Jamestown, Indiana 46147, fax to (866) 615-5016 or cancel@smartcreditrepair.info. Federal law also requires the following notice: You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the Legally Required Disclosure Statement. For an explanation of this right. The Legally Required Disclosure Statement also includes a Notice of Cancellation form that you can use to cancel this service.
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By Marking this Box, I Accept Terms Of The Service Contract
Legally Required Disclosure Statement
Legally Required Disclosure Statement 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 the right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee 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 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 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 accuracy of 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 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 I, undersigned as client, understand and agree to all aforementioned.
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By Marking this Box, I Accept Terms Of The Service Contract
