Premium Profile Purchase Agreement

1. Purpose
Fresh Start Consulting LLC offers Premium Profiles to assist clients in offsetting utilization on their credit reports, enhancing credit age, and demonstrating a positive payment history.

Product Description

As part of our Premium Profile offerings, Fresh Start Consulting provides the following high-impact Premium Profiles to help you build and strengthen your credit profile:

1. Auto Premium Profiles
   Our auto Premium Profiles will reflect a positive payment history and responsible credit usage. Each auto Premium Profile has a minimum age of 24 months, offering a substantial benefit to your credit report.

2. Mortgage Premium Profiles
   Mortgage Premium Profiles are a powerful tool to significantly enhance your creditworthiness. These accounts are fully paid off, demonstrating long-term, responsible borrowing and timely repayment. Mortgage Premium Profiles have a minimum age of 24 months, providing added strength to your credit history.

3. Revolving Premium Profiles
   Our Revolving Premium Profiles have a minimum age of 24 months, providing consistent credit activity and responsible usage to bolster your credit profile.

4. Custom Request

Our services allows for you to mix and match multiple Premium Profile products to fit the needs of our client which will also have the same criteria as the list products above.

Each Premium Profiles is designed to potentially improve your credit score by demonstrating responsible financial behavior, long-term account activity, and low utilization. These Premium Profiles will post to your Equifax, TransUnion and Experian credit reports within the agreed timeframe of 45-60 business days.

2.Liability and Responsibility
Upon the purchase of the Premium Profiles, all liability and responsibility for its use, as well as any resulting effects on the client’s credit report, shall be borne solely by the client. Fresh Start Consulting LLC shall not be held liable for any outcomes, consequences, or impacts arising from the client’s use of the Premium Profiles.

3. Refund Policy
Clients may be eligible for a refund of fifty percent (50%) of the purchase price if they elect not to proceed with the Premium Profiles. To qualify, an email request for the refund must be submitted to [email protected] within 24 Hours from the date of payment. Refunds will not be issued for any requests received after this 24 hour period. Any and all refunds that are processed and approved will have the processing fees deducted.

4. Recurring Payments and Cancellation
Payments for the purchase of the Premium Profiles will be automatically enrolled into recurring payments thirty (30) days from the date of purchase unless the client cancels the enrollment. To cancel recurring payments, the client must submit a written request via email to [email protected], with the subject line "Subscription Cancellation." Cancellation requests cannot be processed via phone. The client must submit the cancellation request at least ten (10) business days prior to the next scheduled payment. Upon verification of the request, Fresh Start Consulting LLC will cancel the recurring payments. If the client
cancels the recurring payments prior to completing ninety (90) days of the subscription, following the initial thirty (30) days, a transaction fee of two hundred dollars ($200) will be applied to the cancellation.

You acknowledge and consent to having one or more of the following Premium Profiles listed within this document and can be added to your consumer credit report. You understand that the addition of a Premium Profile is intended to assist in building or enhancing your credit profile. You affirm that you are voluntarily requesting this service and that you are providing accurate information for this purpose. You acknowledge that Fresh Start Consulting makes no guarantees regarding specific outcomes or improvements to your credit score, as individual results may vary based on multiple factors.

Acceptance of Terms

By signing this Agreement, the client acknowledges that they have read, understood, and agree to the terms outlined above.

Each tradeline takes 45-60 business days for placement. Please place your exact name on this application as it shows on your credit profile for submission.

Must have Credit Karma to proceed.

All Premium Profiles options will contain a one time set up fee along with a subscription fee