Contract

By signing this contract you are giving The Credit Solution Power of Attorney to represent you and sign all dispute letters on your behalf.

The Credit Solution agrees to:

dispute negative credit history that is unverifiable, inaccurate, erroneous, reporting in fraud or obsolete. We agree to comply with the laws of the FCRA in doing so.

The client agrees to:

Bring credit reports in a timely manner so that the information can be disputed.
Forward all copies of the credit reports as received, even the results.
Inform us of any change of address because this will delay the process of the credit repair.
Make sure that payment is made in a timely manner each month so that services will continue

It should be understood that this service is to assist you in the repair of your credit and nothing else.
Each individual’s case is different; therefore the time frame on each case varies. We cannot guarantee the results or time frame on credit repair. In some cases the repair on certain individuals can take anywhere from 3 months to over 1 year.  

If you do NOT want an item or several items disputed please list the items below:
                                                                                                                                                                   
    
                                                                                                                                                                           
                                                                                                                                                                       

You have the right to have inaccurate, erroneous, obsolete or unverifiable information removed from your personal credit file. Listed below are some of the reasons why:

I do not recall the account balance listing as they have reported it
I do not believe that the listings are being reported with all the accurate information
The listing is inaccurate and does not belong to me
I believe that the information may belong to my father and or son
My records on this account show different account information
I have no records of this account listing at all
I was never late on this account
The listings that you provided are not reported in a timely manner
The balance information is invalid
I did not authorize for this creditor to pull my credit
The listing is unverifiable because I did not sign for this
This listing are fraudulently reporting, I did not open this account

The Credit Solution can make a difference in your life but please remember that if you have new accounts after the process is complete we are not responsible for those accounts. We will keep a complete file on the accounts disputed and removed while you are a client. If accounts come back on because they sold the same account to another collection agency, it will be our responsibility to continue to fight for you. Please help us to help you and keep up with all of your positive accounts.

Neither you nor a credit repair agency has the right to remove any accurate, current, verifiable information. You only have the right to have inaccurate, unverifiable, negative information removed if it is over 7 years or 10 years for Bankruptcies.

While you are in the process of credit repair you must remember that paying your debts is important, only if you are still paying the original creditor. Once you understand your rights with bill collectors you will understand the meaning of credit repair. It is important to know your rights with collection agencies and the do’s and don’ts while in the process. There are many rules the collection agencies should follow. Read carefully so that you can make sure that they comply with all the laws and keep a log of information if they don’t. It is important to take down names of the people you are dealing with so that you can have proof if needed:

Debt collectors may not tell others your personal information. No family member, friend employer or third party has the right to know your personal credit history. Yet, they never comply.

They may not call you at unusual times or places such as your employment or anywhere that is inconvenient for you and demand that you talk to them. Yet, they never comply.

They may not harass or abuse you in any manner. They cannot use obscene language; put your name on a public display to show your delinquency. Yet, they never comply.

They may not make anonymous, unknown calls. That would mean that you would never be able to track them down or have proof that they are harassing you. Yet, they never comply.

They may not state that they are with a sheriff, government agency, involved with the IRS, a lawyer, or any other “legal agency”. Yet, they never comply.

They may not state that they can garnish your wages or any property, unless such action is legal. Yet, they never comply.


I must inform you of your rights, you can do credit repair on your own. It isn’t an easy task and you can even ruin your own credit by disputing illegally. Neither you nor a credit repair agency can have accurate information removed from your credit report. You have the right to obtain a free copy of your credit report if you suspect fraud, have been turned down for credit within 60 days of ordering your reports, if you are a recipient of the welfare system, or unemployed. You also have the right to sue a credit repair organization that violates the Credit Repair Organization Act. The Federal Trade
Commission regulates credit bureaus and credit repair organizations. For more information feel free to contact The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

I, the undersigned, understand and agree to all the aforementioned.

        
Signature of client                    Date
                         
                                                                                                                              

 
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