Credit Repair Agreement

  1. This agreement between Credit ACES and the undersigned (Client) is for the express purpose of credit report improvement. Credit ACES will attempt the removal of errors, misrepresentations, or unverifiable information, which the client claims to appear on the credit report(s), which has been furnished to Credit ACES Office. This is not a debt consolidation or bill payment program. Credit ACES agrees to act diligently in the pursuit of this matter, and will carry out this agreement within all Federal and States laws.
  2. The client understands and agrees that they will be charged for all costs and fees associated with the Credit Verification Audit, typically $139.00 initial payment and $95.00 a month for 12 months. Credit ACES agrees to perform the service for this amount and states that there are no additional costs unless we cannot repair the said reports within 12 months from the start date of this contract in which the client can sign up for an additional 12 months. The client understands that the monthly Credit Verification Audit includes the evaluation of all three credit bureaus reports and all correspondence associated with the verification process.
  3. The client agrees to send a copy of all correspondence and credit reports to Credit ACES as soon as received. The client must notify Credit ACES if they have not received any credit reports or correspondence from the credit reporting agencies 40 days after the last correspondence from Credit ACES or the credit reporting agencies. Failure to do so will cause the client’s Credit Verification Audit to be continued on a repetitive basis, which could amount to further charges. If client is in compliance with these terms, and no item is improved or removed after the first 3 challenges, client will have upon written request the right to cancel.
  4. The term of this agreement shall be 12 Months. If the client decides to cancel the monthly Credit Verification Audit at any time during the year, a written request must be sent to Credit ACES. If Credit ACES has worked on your file receiving positive results then no refund will be granted. Credit ACES will inquire with the client about renewing this agreement for an additional 12 Months with additional fees. Credit ACES will at any time end the procedure if we conclude that no further work is necessary.
  5. Due to the nature of this legal service, I understand that individuals that assist Credit ACES in this matter may view my file and its contents. All people such as legal or research assistants and secretaries have been alerted to the sensitivity of these documents. Credit ACES and it’s staff will take all reasonable measures to ensure that this information will be handled in a responsible manner.
  6. Credit ACES will contact Equifax, Transunion and Experian on your behalf to request an investigation to verify negative items.
  7. The client represents that disputed items to the best of their knowledge are either incomplete, inaccurate, obsolete, unverifiable, or misleading. The client understands that Credit ACES cannot guarantee the removal of items which are not incomplete, inaccurate, obsolete, unverifiable, misleading or incorrect.
  8. The client understands that Credit ACES is not a legal adviser and neither can they provide legal advice on any matter.
  9. The client understands that Credit ACES is not responsible for any legal actions taken by creditors against the client mentioned in this contract prior, during or after our services. The client understands services provided are directly for use of disputing any information indicated above and not for any other use. The client understands and agrees if the final results and a current credit report is not provided to Credit ACES within 120 days from this signed contract, then Credit ACES will assume the contract has been satisfied and the client’s file will be closed without further notice.
  10. The client understands that if at any time there is evidence of past disputes with any of the three Credit Reporting Agencies (Transunion, Equifax, Experian), any Guarantees will be Null and Void due to Non-Disclosure by the Client and or any person representing the Client.
  11. The client gives Power of Attorney to Credit ACES, for the sole purpose of acquiring, requesting verification and disputing any information in regards to the client’s credit report(s).

All Parties have viewed and agree with the above statements.

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