Welcome (Valued Client)!

Enclosed you will find the Client Credit Repair Agreement for your services with (Palm Beach Credit
Professionals). We have begun setting up your file and are excited to have you as a client. Please sign the
Customer Credit Repair Agreement, the Authorization for Recurring Direct Pay and return to us signed.

IMPORTANT!!!
YOU MUST INCLUDE THE FOLLOWING LEGIBLE COPIES OF: (IN PDF
FORMAT or ATTACH TO EMAIL), disregard if you have already
provided the following
o Copy of ID, preferably your drivers license (With current address, but
not required).
o Social Security
o 3-1 credit report: Equifax, Experian, Transunion. Email credit report
to clientsupport@pbcreditprofessionals.com
o Copy of proof of residence current utility bill, it must contain the
same address and be in the name of client that will sign this
agreement.

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

[Palm Beach Credit Professionals). ] PRIVACY POLICY

1. The types of personal information we collect and share depend on the product or service you
have with us. This information can include: Specific product or service needs, Social Security
Numbers, Credit Profile, Address & Supporting Documents
2. All financial companies need to share personal information to run their everyday business. In the
section below, we list the reasons financial companies can share their personal information; the
reasons chooses to share; and whether you can limit this sharing
3. We will only share your information with our staff & partners.
4. All calls with clients and prospective clients may be monitored or recorded for quality control
purposes
Reasons we can share your
info

Do we share your
info?

Can you limit this

sharing?

For our everyday business

purposes such as to process
your transactions, maintain your
account(s), respond to court
orders and legal investigations, or
report to credit bureaus.

Yes, we share your info

No
with necessary parties to
help facilitate the
products and services
that you have contracted
for.

For our marketing purposes to

offer our products and services to
you.

We share your info with

vendors that assist us in
offering various
opportunities to you.

Yes, you can opt out of

receiving any marketing
from us for any products
other than the products or
service you have
contracted for.

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

For joint marketing with other

financial companies.

We occasionally share
information with other
financial and nonfinancial entities

Yes, you can opt out of any

non-essential sharing with
third parties.

For our affiliates everyday

business purposes information
about your transactions and
experiences.

Yes, we share your info

with affiliated parties to
help facilitate your goals

Yes, you can opt out of any

non-essential sharing with
third parties.

For our affiliates everyday

business purposes information
about your creditworthiness.

Yes, we share your info

with affiliated parties to
help facilitate your goals

Yes, you can opt out of any

non-essential sharing with
third parties.

Please note if you are a new customer we can begin sharing your information from the date we sent this
notice. When you are no longer our customer, we continue to share your information as described in this
notice. However you can contact us at any time to limit our sharing.
Should you wish to opt out of our sharing of your information pursuant to the guidelines set forth above
please contact [clientsupport@pbcreditprofessionals.com].

Customer Credit Repair Agreement

The specific services, warrantees, payment

terms, and total cost are set forth in the client
disclosure statement incorporated herein for all
purposes.
3) Affiliate Service Provider.
The Company has the option of fulfilling the
NOW, in consideration of the promises contained
credit services through a third party to best serve
herein, the parties agree as follows:
you. For an explanation of how the Company
1) Definitions.
handles your information in such circumstances
As used herein, the following terms shall have the
see the attached privacy policy.
meanings set forth below:
4) Term and Termination.
"Products" shall mean the following Company's
a) Term. This Agreement shall continue as
services to be sold by Company
outlined in Exhibit A unless terminated by
2) Terms and Conditions
company as provided herein. Thereafter, this
Description of Service, See Exhibit A
This
Customer
Credit
Repair
Agreement
(Agreement) is made and effective on (date esigned) by and between Palm Beach Credit
Professionals and Client.

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

5)

6)

7)

8)

9)

Agreement shall continue until terminated by

place of business or if to Customer, at the
conditions provided within this agreement.
aforementioned address.
b) Termination for Cause. Either party may 10) Severability.
terminate this Agreement upon giving the
If any provision of this Agreement is held to be
other party ten (10) days notice.
invalid by a court of competent jurisdiction, then
Limitation on Liability.
the remaining provisions shall nevertheless
In the event of termination by either party in
remain in full force and effect.
accordance with any of the provisions of this 11) Dispute Resolution.
Agreement, neither party shall be liable to the
In the event of any controversy, claim or dispute
other,
because
of
the
termination
for
between the parties arising out of or relating to
compensation or reimbursement or damages on
this agreement or the breach, termination,
account of the loss of prospective profits or
enforcement, interpretation, conscionability or
anticipated sales or on account of expenditures,
validity thereof, including any determination of
investments,
leases
or
commitments
in
the scope or applicability of this agreement to
connection with the business or goodwill of
arbitrate, shall be determined by arbitration
Company.
in [Palm Beach] County, State of [Florida] or in
Confidentiality.
the county in which the consumer resides in
Client acknowledges that by reason of its
accordance with the Laws of the State of
relationship to the Company hereunder it will
[Florida] for agreements to be made in and to
have access to certain information and materials
be performed in [Florida]. The parties agree that
concerning
Company's
business
plans,
the arbitration shall be administered by the
Customers, technology, and products that is
American
Arbitration
Association
("AAA")
confidential and of substantial value to Company,
pursuant to its rules and procedures and an
which value would be impaired if such
arbitrator shall be selected by the AAA. The
information were disclosed to third parties.
arbitrator shall be neutral and independent and
Customer agrees that it shall not use in any way
shall comply with the AAA code of ethics. The
for its own account or the account of any third
award rendered by the arbitrator shall be final
party, nor disclose to any third party, any such
and shall not be subject to vacation or
confidential information revealed to it by
modification. Judgment on the award made by
Company. Company shall advise Customer
the arbitrator may be entered in any court having
whether or not it considers any particular
jurisdiction over the parties. If either party fails to
information or materials to be confidential.
comply with the arbitrator's award, the injured
Governing Law and Jurisdiction.
party may petition the circuit court for
This Agreement shall be governed by and
enforcement. The parties agree that either party
construed according to the laws of the State of
may bring claims against the other only in his/her
(Florida) and or Clients residing state.
or its individual capacity and not as a plaintiff or
Entire Agreement.
class member in any purported class or
This Agreement sets forth the entire agreement
representative proceeding. Further, the parties
and understanding of the parties relating to the
agree that the arbitrator may not consolidate
subject matter herein and supersedes any prior
proceedings of more than one person's claims,
discussions or agreements between them. No
and may not otherwise preside over any form of
modification of or amendment to this Agreement,
representative or class proceeding. The parties
nor any waiver of any rights under this
shall share the cost (not attorneys fees) of
Agreement, shall be effective unless in writing
arbitration equally. In the event a party fails to
and signed by the party to be charged.
proceed
with
arbitration,
unsuccessfully
Notices.
challenges the arbitrator's award, or fails to
Any notices required or permitted by this
comply with the arbitrator's award, the other
Agreement shall be deemed given if sent by
party is entitled to costs of suit, including a
Certified mail, postage prepaid, e-mail, fax, return
reasonable attorney's fee for having to compel
receipt requested or by recognized overnight
arbitration or defend or enforce the award.
delivery service: If to Company; At its principal
Binding Arbitration means that both parties give

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

up the right to a trial by a jury. It also means that

phone by Company irrespective of whether the
both parties give up the right to appeal from the
Customers telephone number appears on any
arbitrators ruling except for a narrow range of
state of federal Do Not Call lists. Customer
issues that can or may be appealed. It also
further agrees that Company may use a
means that discovery may be severely limited by
computerized dialing system to contact Customer
the arbitrator. This section and the arbitration
via telephone or SMS text and Customer may use
requirement shall survive any termination.
a pre-recorded message when contacting
12) Headings.
Customer via telephone or SMS text. Customer
Headings used in this Agreement are provided for
understands that his or her consent to be
convenience only and shall not be used to
contacted does not require Customer to purchase
construe meaning or intent.
any goods or services from Company. To inform
13) Conducting
of
Business
Electronically,
Company that Customer either withdraws
Customers consent to receive communications
Consent to be contacted.
from Company as described directly above, or to
Customer agrees, unless specifically requested
update Customers information, Customer may
otherwise, that by entering into transactions with
send such request to the address listed directly
Company, Customer affirms consent to receive, in
above for Company.
an electronic format, all information, copies of
agreements and correspondence from Company
and to also send information in an electronic 14) Client Obligations & Agreement.
format unless previously agreed upon in writing
with Company. Customer has a right to receive a
A.
Customer will return, along with signed
paper copy of any of these electronic records if
agreement, a copy of their drivers license,
applicable law specifically requires us to provide
social security card, and a recent Utility bill
such documentation. Customers withdrawal of
showing the correct address (phone bill, gas
his or her consent to conduct business
bill, electric bill, etc.).
electronically can only occur if applicable law
specifically requires Company to provide a paper
B.
Customer agrees to obtain initial credit
copy of electronic documents. Withdrawal of
reports,
with scores, from all three credit
consent will slow the speed at which Company
bureaus
(Equifax,
Experian and Trans Union)
can complete certain steps in transactions with
and
understands
that Company will not
Customer and delivering services to Customer. To
proceed
with
services
until the initial credit
inform Company that Customer either withdraws
reports
are
received
by the Company.
Customers consent to receive future notices and
Customer also agrees to keep a credit
disclosures in electronic format, would like to
monitoring subscription for the duration of
receive paper copies, or to update Customers
this contract. Both obtaining an initial credit
information, Customer may send such request to:
[Palm Beach Credit Professionals). PO BOX
report and keeping a monthly credit
16764 WEST PALM BEACH, FL 33416]. Customer
monitoring subscription in good standing are
acknowledges and agrees that the internet is
NON-NEGOTIABLE.
considered inherently insecure.
Therefore,
Customer agrees that Company has no liability to
C. Customer agrees to maintain on time monthly
Customer whatsoever for any loss, claim, or
payments of their current credit obligations
damages arising or in any way related to
(i.e. car loan, utility bills, mortgage
Companys
responses
to
any
electronic
payments, credit cards, etc.). Failure to
communication, upon which Company has in
maintain those payments will result in severe
good faith relied.
At all times, Customer
damage to the results obtained by (Palm
maintains the sole obligation to ensure they can
Beach Credit Professionals).
receive Companys electronic communications,
D.
Customer agrees to contact (Palm Beach
and access them on a regular and diligent basis.
Credit Professionals) on any questions
Customer also agrees to be contacted by
regarding their credit INCLUDING inquiries or
telephone on Customers landline and/or cell

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

questions regarding applying for consumer

credit.
E. If the Customer was referred to (Palm Beach
Credit Professionals) by a referral partner,
the Customer hereby expressly consents to
(Palm
Beach
Credit
Professionals),
sharing data concerning the results of the
credit
restoration
process
with
the
aforementioned referral partner.
F.
Customer agrees to payment terms and
conditions as chosen in Exhibit A, which is
incorporated into this agreement.
G.
If the Customer fails to complete the
payment schedule any and all refunds are
forfeited, with the exception of a Customer
cancelling the Agreement within five (5)
business days of the Customers entering into
this Agreement.
H.

Customer understands that results vary on a

case-by-case basis and that (Palm Beach
Credit Professionals). Provides a service
and has no control over removal of negative
items on the credit report. Only Credit
Agencies have control over results.

I.

Contract is for 12 months from the start date

of the agreement based upon initial credit

reports being received. Either party may

cancel this at any time with 10 days notice,
sent in written format.
J.

Customer will not be charged any

advance monthly service fees for any
Services
(See
Exhibit
A
for
Explanation of Fees), rather such fees
will only be charged by the Company to
the Customer upon the Companys
completing
the
services
for
the
Customer.

K. Company will not remove any derogatory

information
(defined
as
accurate
information appearing on the Customers
credit report), nor will Company assist
Customer on improving Customers credit
rating or record
L.

You may cancel this contract without

penalty or obligation at any time before
midnight of the 5th business day after
the date on which you signed the
contract. See the attached notice of
cancellation form for an explanation of
this right.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above
written.
You may cancel this contract without penalty or obligation at any time before midnight of the
5th business day after the date on which you signed the contract.

NOTICE OF RIGHT TO CANCEL

You may cancel this contract, without penalty or obligation, within Five (5) business days after the date your
enrollment payment is received.
If you cancel, any payment made by you under the contract will be returned within Five (5) business days
after the date of receipt by the seller of your cancellation notice.
To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written
notice, to (Palm Beach Credit Professionals) at above address, not later than midnight of the 5th business
day after your enrollment payment is received.

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

DISCLOSURE STATEMENT
1. (Palm Beach Credit Professionals) shall,
upon the start of agreement, provide guidance
to Customer with regards to obtaining the
Customers credit reports from all three creditreporting agencies Equifax (CSC for Texas
Residents), Experian, and Trans Union via a
Consumer Credit Monitoring service that
updates consumer credit file data every 30
days.
2. (Palm Beach Credit Professionals) shall
also, within the course of 3 to 7 business days
of receipt of Agreement signed by Customer,
setup the Customers online file access that
will allow the Customer to follow the progress
of their services purchased. A unique login and
password will be provided to the Customer to
access their file online. The Customer will be
responsible for re-setting and securing their
own password.
3. (Palm Beach Credit Professionals) shall
provide guidance when the Customer is
determining the actions to take with each
account in regards to that Customers file.
4. (Palm Beach Credit Professionals) shall
prepare challenges for items appearing on the
Customer's credit report, which the Customer
indicates are inaccurate, incomplete, obsolete,
or may be in need of verification.

5. Each consecutive month while the Customer

pays the monthly service fee (See Exhibit A
for Explanation) (Palm Beach Credit
Professionals) shall prepare all follow-up
challenges, as per the Fair Credit Reporting
Act, Fair Debt Collection Practices Act, Fair and
Accurate Transactions Act and Fair Credit
Billing Act and transmittal of the same.
Under no circumstances shall Company
charge
Customer
for credit
repair
services until such services have been
provided to Customer by Company.
6. Every month the customer is responsible to
provide (Palm Beach Credit Professionals)
with all the necessary information for any
credit monitoring service in order for (Palm
Beach Credit Professionals) to track the
changes that have occurred regarding the
Customers credit file. The Customer from time
to time may receive responses from the 3
credit bureaus, Equifax (CSC Credit Services
for TX residents), Experian, & Trans Union, in
response to the dispute process and shall keep
these for their records, but does not need to
send them back to (Palm Beach Credit
Professionals) to continue the process.
7. All items resolved will also be available for the
customers
review
online
at

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

www.updatecreditnow.com/PALMBEACHC
REDITCLINIC/) , which is accessed online and
entering the customers login and password
provided to customer upon initiation.
8. (Palm Beach Credit Professionals) shall
also provide the customer assistance in
answering questions regarding customers
accounts from Monday through Friday 9:00AM6:00PM (EASTERN) TIME.

9. (Palm Beach Credit Professionals) agrees

only to challenge items under the above acts
and as legally available.
10. If the customer fails to complete the payment
schedule and term of the Agreement any and
all refunds are forfeited.
11. Attached Hereto, exhibit A, is the Description
of Service accepted by the customer and
incorporated herein for all purposes.

It is agreed that this Disclosure Statement has been signed prior to the execution of the
Contractual Agreement between the parties.
E- Signature required below

EXHIBIT A Description of Service

(Palm Beach Credit Professionals) requires o $0.00 Monthly Service Fee- Pay For Delete
all customers (customer, customers, or
Package consists of consecutive monthly
you) to sign the Description of Service. By
installments of $0.00 per month. Client also
signing this form you are agreeing to the terms
agrees
to
pay
$100
each
month
per
and conditions of service set forth in this
item/account , corrected, enhanced consolidated
Agreement and to the terms and conditions of
or improved in any way that led to the end result
payment.
It
is
(Palm
Beach
Credit
of a higher credit score or reduction of a
Professionals)s intention to service you for the
potentially negative items on the consumers
entire term of the Agreement, however should
credit report .This may include incorrect address
you cease payment under the terms of the
or incorrect names. Please note that: Each Credit
Agreement we will stop service until payment
Bureau (Equifax, Transunion, and Experian.) acts
can be rendered. (Palm Beach Credit
as its separate entity and are not connected to
Professionals), also reserves the right to collect
each other, which could lead to uneven reporting.
any monies not yet paid under the terms of the
Palm Beach Credit Professionals charge per item
Agreement that it may be entitled to. You agree
removed regardless of which account it is or
that any remaining payments, (Palm Beach
which credit reporting agency thats reporting it.
Credit Professionals) may be entitled to, will
Palm Beach Credit Professionals will not charge for
be applied in accordance with the Agreement
more than 24 items, regardless of how many
regardless of your default.
items that are reporting. You have the right to
request Palm Beach Credit Professionals to not
dispute certain items, but keep in mind that we
$99.00 Annual Shipping& Handling Fee
only remove negative items.
Consist of a one-time Credit Audit Fee that is
completed when the Credit Audit is given to the
For [12] Months (Palm Beach Credit
Customer
by
a
(Palm
Beach
Credit o
Professionals)
will service the Customers
Professionals) agent. Covers the shipping &
account.
After
which
on a month-to-month basis
certified mailing cost for the year.

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

o
o
o
o
o

unless prohibited in the state the Consumer

resides.
The Following items are examples of the actions,
and or products that define the Companys
monthly services. Our Monthly fees are only
collected upon completion of the below items (as
applicable to the Customer as indicated below
which would define our "Services"
Setup customer in (Palm Beach Credit
Professionals)s Dispute Software
Create and send dispute letters to either the
credit reporting agencies or creditors
Analysis and review of customers credit file
Update customer file online with most recent
updates and or notes
Respond
to,
receive
and
or
initiating
correspondence via telephone

o
o
o
o
o
o

Respond
to,
receive
and
or
initiating
correspondence via e-mail
Respond
to,
receive
and
or
initiating
correspondence via Facsimile
Respond
to,
receive
and
or
initiating
correspondence via physical mail i.e.: USPS,
FEDEX, UPS etc.
Review customers credit monitoring report in
order to see what changes the credit reporting
agencies have made every 30-35 days.
Assist customer with all credit related or service
questions.
Provide consumer with credit repair resources
and education.

(Palm Beach Credit Professionals) makes no other warrantees aside from the warrantees expressly
written within this disclosure. No oral agreement or other agreement shall override this Agreement
unless received in writing from an authorized (Palm Beach Credit Professionals) representative. I
fully understand my responsibility to this program and agree to the above terms, as well as
acknowledging that all my questions have been answered. I also acknowledge and agree to the total
costs of these services.
It is agreed that this Description of Service has been signed prior to the execution of the
Contractual Agreement between the parties.
E-signature required below

P.O. BOX 16764 | WEST PALM BEACH, FLORIDA 33416 | Phone: (561) 240.3611 |

AUTHORIZATION FOR RECURRING DIRECT PAYMENT (ACH DEBITS/Credit Card)

(Palm Beach Credit Professionals)
RE: ACH/Credit Card Authorization for Recurring Charges
In consideration of the goods, products and/or services provided to me by Palm Beach Credit Professionals),
as listed above; I hereby authorize (Palm Beach Credit Professionals) to initiate a debit entry to my checking
account or Debit/Credit card indicated below at the depository financial institution named below, hereinafter
called DEPOSITORY, and to debit the same to such account for the amount listed below. I acknowledge that the
origination of ACH transactions to my account must comply with the provisions of U.S. law.
ACH payments can be arranged at: www.pbcreditprofessionals.com/schedule-payments
-Or-

Please Note that a $3.5 Service fee will apply for credit/ debit cards

Credit Card payments can be arranged at: www.pbcreditprofessionals.com/schedule-payments

If special payment arrangements are desired, please contact are billing staff at 1-877-253-3024
This authorization is to remain in full force and effect for this transaction only, or until such time that my
indebtedness to (Palm Beach Credit Professionals) for the amount listed above is fully satisfied. The specific
debit to my account authorized herein may only post on or after the EFFECTIVE DATE listed above, and in no
event may the debit transaction post to my account prior to said date. I may only revoke this authorization by
contacting (Palm Beach Credit Professionals ) directly at the address and phone number listed above, and
only in the case that I return the good, product and/or service provided to me by (Palm Beach Credit
Professionals ) pursuant to their particular return policy in effect the date this authorization is granted.
E-signature required below
Disclaimer: If your registration was completed via www.pbcreditprofessionals.com/join , then youre
authorizing a payment and also entrusting Palm Beach Credit Professionals with your personal information.
Disclaimer: All registration completed online via www.pbcreditprofessionals.com/join authorizes a onetime
registration fee of $99, which covers the shipping and mailing cost for one year. After which 30 days from the
day of registration, client will be automatically billed $100 (per item each month) until per item removed
service is paid for and client has paid for each item removed.
REFERRALS
Palm Beach Credit Professionals has elected to offer its clients a wonderful referral service. Our
referral service is designed to reduce monthly payments and balance. Each client has the option
to receive $50 per referral for an unlimited amount of referrals. This $50 may also be applied to
the clients balance. Palm Beach Credit Professionals has elected as a courtesy to implement a
cap system for removed items. The client is not required to pay for more than 24 negative items

thats been removed. One successful referral will reduce the cap to 18 items, two successful
referrals will reduce the cap to 12 items, and three successful referrals will reduce the cap to 6
items, which means the client will not be required to pay for more than 6 items (after the third
referral, client will receive $50 credit per referral). The client must contact Palm Beach Credit
Professionals to be enrolled in this program before receiving referral benefits. (24 is the
maximum of items we will charge for, any additional items removed will be at no charge)
SETTLEMENTS
In an effort to ensure that were providing affordable credit repair service for all of our clients.
Palm Beach Credit Professionals have the right to offer its clients a settlement offer at any time
for high balances. This shall be negotiated between Palm Beach Credit Professionals and the
client. Both parties are required to sign a settlement agreement. Clients can also agree choose
to pay a flat rate of $600 for 6 months of service or $900 for 1 year of service before the 2 nd
round begins. This will save the client a great deal of money, because they will not be charged
per negative item removed. Client must contact Palm Beach Credit Professionals after round 1
has begun and before round two begins to take advantage of this offer. Payments are accepted in
the form of a money order or cashiers check.

EXHIBIT D - Limited Power of Attorney

This form is a limited power of attorney and will be used for the sole purpose of helping with the
restoration of your credit. This does not give us full power of attorney over any of your other affairs.
I, give (Palm Beach Credit Professionals ) its officers, employees and agents, the necessary power
and authority, in and on my behalf, to act as my attorney-in-fact in order to undertake and perform the
following matters only as set forth herein: obtaining information, including but not limited to credit reports
in my name, over the telephone, fax, and internet, through written or online correspondence from credit
bureaus, creditors, or collection agencies.
If negotiation of a debt is necessary I give (Palm Beach Credit Professionals), its officers, employees
and agents the right to discuss information to help resolve a debt. I hereby authorize (Palm Beach
Credit Professionals), its officers, employees and agents this release or copy thereof within (12)
months of this date to obtain any information in my credit report that may involve medical records and/or
credit records.
I hereby direct said record holder authorization to release any requested information upon the
presentation of this Limited Power of Attorney. I hereby release the bearer of this authorization as well as
the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records,
Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems), consumer reporting agencies, retail
business establishments, lending institutions, student loan agencies (public and/or private), from liability
including whatever kind which may at any time result to me, my heirs, family or associates, because of
compliance with this authorization to release information, or any attempt to comply with it.
I have the right to revoke or terminate this Limited Power of Attorney at anytime. This Limited Power of
Attorney shall terminate (12) months from the date of execution set forth below. My attorney-in-fact shall
not be liable for any acts or decisions made in good faith and pursuant to the terms herein. All issues
pertaining to validity, interpretation, and administration of this Limited Power of Attorney shall be
determined in accordance with the laws of (
).
It is agreed that this Limited Power of Attorney has been signed prior to the execution of the
Contractual Agreement between the parties.
E-signature required below

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, 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'.
(b) Separate Statement Requirement.--The written statement required under this section shall be provided as a document which is separate
from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided
to the consumer.
(c) Retention of Compliance Records.-(1) In general.--The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the
statement.
(2) Maintenance for 2 years.--The copy of any consumer's statement shall be maintained in the organization's files for 2 years after the date on
which the statement is signed by the consumer.