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Live the Life YOU deserve

                  Know Your Rights As A Consumer

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

 

I confirm the fact that I agree and understand and acknowledge that I have received a copy of Consumer Credit File Rights.

POLICIES AND PROCEDURES

  • Client agrees to maintain credit after credit analysis and credit repair is completed.
  • Client agrees to educational process on client’s finances and credit.
  • The work will not be completed until the total fee is paid in full.  Client can only be seen by appointment unless prior arrangements are made with consultant.  Work information will be submitted to the credit reporting agencies (CRA) after total payment is received.  Please allow 45 to 60 days for the credit reporting agencies to respond to client.
  • Client is responsible to submit results received from the three credit reporting agencies to Thomas & Associates SVCS, LLC via mail, email, fax or in person within 14 days once CRA information is received in the mail by client.
  • Client is asked NOT TO APPLY for credit during the six-month membership period without prior approval from consultant.
  • Consultant will review client’s credit progress at four months to determine and identify results.
  • Client has a right to cancel within three (3) days of initiating membership.  Early termination of services after the right to cancel or breach of policies and procedures constitutes no refund.
  • Client is responsible for contacting Thomas & Associates Svcs, LLC if you have not received any information from the credit reporting agencies.

I understand and agree to the above policies and procedures.

 

CONTRACT AGREEMENT

THIS AGREEMENT was made between (Name Listed Below) the (“Client” or “You”) and THOMAS & ASSOCIATES SVCS, LLC dba RepairMyCreditScoreNow.com (hereinafter referred to as “THOMAS & ASSOCIATES”, “we” or “us”);

  1. Services Rendered.  THOMAS & ASSOCIATES will use federal laws in an attempt to correct errors and/or other misleading information found in your credit reports through its services.  After THOMAS & ASSOCIATES SVCS LLC receives legible copies of credit reports from you, will draft, sign, and send letters on your behalf to the three major credit bureaus, or to the furnishers of said information, in your name.  THOMAS & ASSOCIATES, when it is appropriate, will send non-dispute goodwill interventions or account information requests to furnishers of information to your credit file.  You understand and agree that you are billed by THOMAS & ASSOCIATES for services rendered on your behalf, not for a specific case outcome.
  2. Non-Law Firm.  The services provided by THOMAS & ASSOCIATES does not involve contesting facts.  This Agreement does not include any legal services as THOMAS & ASSOCIATES is not a law firm nor practice law in any state.  THOMAS & ASSOCIATES cannot guarantee a specific outcome or predict how long the process will take.  This process may take more or less than twelve (12) months; however, you may cancel this Agreement at any time.
  3. Term.  THOMAS & ASSOCIATES services are provided on a month-to-month basis.  You are charged only for services rendered during the previous month.
  4. Fees.  THOMAS & ASSOCIATES does not charge you, the client, for the performance of any service which it has agreed to perform until such service is performed.

For the services performed, you agree to pay THOMAS & ASSOCIATES after the completion of the opening of the client file and enrollment into the program.  The fee of One Hundred Ninety-Nine Dollars ($199.00) within five (5) to fifteen (15) days, and Forty-Five Dollars ($45.00) each subsequent month for work performed the previous month.  You grant THOMAS & ASSOCIATES permission to verify your account information and withdraw the earned funds from your credit card or bank account unless you terminate this Agreement.  You pay only the fixed monthly fee identified in this Agreement.  Terms for terminating this agreement are further detailed in Section 8 of this contract.

If the cost of the service should increase, you will be notified sixty (60) days in advance via e-mail or physical address furnished by you the client.  Should you decide that you no longer wish to receive services you may cancel this Agreement, by telephone, facsimile e-mail, or business mailing.

  1. Additional Fees.  Additional fees will be charged an additional ten dollar ($10.00) fee if your payment for services to THOMAS & ASSOCIATES is not honored on initial submission to your credit card company or bank.  You may be assessed an additional five dollar ($5.00) fee if you need to change your billing date.
  2. Notice & Authorizations.  Promptly forward to us copies of all efforts on your behalf, and promptly inform us of any change of address.  Allow THOMAS & ASSOCIATES to receive and review credit reports furnished by third parties and to mail legible copies of your credit reports to us at least every thirty (30) to forty-five (45) days.  While this Agreement is in effect, THOMAS & ASSOCIATES will only contact credit bureaus through written correspondence.
  3. Refund Policy.  THOMAS & ASSOCIATES are backed by a refund policy.  If we fail to provide the agreed upon services to you for any given month, you will not be billed for that month, or you may be refunded your fees for that month if your payment has already been processed.

To the maximum extent allowed by law: Any claim arising out of or relating to THOMAS & ASSOCIATES LLC shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis and riot consolidated with any other claim.  The arbitration shall he initiated and conducted in Jacksonville, Duval County, Florida.

  1. Cancellations.  You may cancel this contract at any time prior to midnight of the fifth(5th) day after the date of your signature or electronic authorization without penalty or obligation for a refund of the enrollment fee.  To cancel, you must mail or deliver a signed and dated cancellation notice to Thomas & Associates Svcs, LLC, PO Box 177283, Irving, TX 75017.  (See the attached Notice of Cancellation Form)
  2. Termination.  Should you decide that you no longer wish to receive services after midnight of the 5th you may terminate this Agreement, by telephone, facsimile, e-mail, or business mailing.  Termination of services after the right to cancel or breach of policies and procedures constitutes no refund.
  3. Federal Disclosures Statements.

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 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”.

  1. Disclosures.  Pursuant to the law, THOMAS & ASSOCIATES is required to provide the following information which also serves as our official contact information:

THOMAS & ASSOCIATES SVCS, LLC

P.O. Box 177283, Irving, TX 75017

TOLL FREE: (800)255-9884 • FAX: (904)240-4571

WEBSITE: RepairMyCreditScoreNow.com

EMAIL: ThomasAssoc@RepairMyCreditScoreNow.com

  1. Attachments.
    1. Authorization for Release of Credit Information
    2. Policies and Procedures
    3. Consumer Credit File Rights Under State and Federal Law
    4. Acknowledgements and Signatures.  The undersigned hereby acknowledges understanding and agrees with the terms of this contractual agreement.

 

 

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