First Name *

Last Name *

Date of birth *

Phone *

Email *

Address

Street Address

Country

State

City

Postal Code

Credit Monitoring Credentials

Credit Monitoring Provider *

Monitoring Username *

Monitoring Password/ Client Token *

Three Forms of Identification

Government Photo ID- Front AND Back *

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Social Security Card *

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Proof Of Address *

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Agreement Prepared For:
The undersigned client (“Client”)

Effective Date:
Date of electronic acceptance

[YOUR BUSINESS NAME]

CREDIT ANALYSIS & RESTORATION AGREEMENT

[YOUR BUSINESS NAME] is committed to assisting clients with educational guidance and administrative support related to the review and dispute of inaccurate, incomplete, or unverifiable information that may appear on consumer credit reports. While results cannot be guaranteed, [YOUR BUSINESS NAME] will make reasonable efforts to assist clients in understanding and addressing credit-related concerns.

DOCUMENTS INCLUDED IN THIS AGREEMENT

By proceeding, you acknowledge review and acceptance of the following:

Credit Analysis & Restoration Agreement

SEC. 405 Disclosure of Consumer Credit File Rights

CREDIT REPORTS

[YOUR BUSINESS NAME] will begin credit analysis only after all required documents are signed and the client has provided access to their credit reports through a third-party credit reporting provider of the client’s choosing. Credit analysis begins upon receipt of the required reports.

Services are deemed commenced upon receipt of required documentation and access to credit reports.

DETAILS OF SERVICES

CREDIT ANALYSIS

Credit Analysis services may include:

Educational overview of how credit scores impact financial outcomes

Explanation of credit scoring models

Review and summary of credit report information

Identification of potentially inaccurate, incomplete, or unverifiable accounts

CREDIT RESTORATION SUPPORT SERVICES

Services provided by [YOUR BUSINESS NAME] may include:

Preparation of dispute correspondence for credit bureaus

Preparation of dispute correspondence for creditors or collectors when applicable

Review of updated credit reports through the client’s monitoring account

Review of documents received from credit reporting agencies

Submission of regulatory complaints when appropriate and authorized

Educational communication regarding the credit improvement process

Maintenance of a client tracking portal

Periodic status updates via email or phone when necessary

DURATION OF SERVICE

Credit analysis typically begins immediately after receipt of all required documentation and reports. The analysis phase generally takes two (2) to five (5) business days. Credit restoration support services are ongoing and timeline varies based on individual circumstances and responses from third parties.

Services are provided in accordance with applicable federal and state laws, including the Credit Repair Organization Act (CROA) and Telemarketing Sales Rule (TSR). [YOUR BUSINESS NAME] does not charge fees for services that have not yet been performed where prohibited by law.

SERVICE CONTINUATION IN LIEU OF REFUNDS

[YOUR BUSINESS NAME] does not guarantee specific outcomes, score increases, or timelines, as results depend on individual circumstances and responses from third parties.

In lieu of refunds, [YOUR BUSINESS NAME] is committed to continuing to provide credit restoration support services in good faith.

If, after six (6) months from the commencement of services, no qualifying results have been achieved as defined in this Agreement, [YOUR BUSINESS NAME] will continue to provide limited support services at no additional cost, subject to the terms below.

Continued support may include:

Periodic review of updated credit reports

Educational guidance delivered electronically

Preparation of additional dispute correspondence at reasonable intervals, as determined by [YOUR BUSINESS NAME]

[YOUR BUSINESS NAME] is not obligated to provide unlimited disputes, continuous monitoring, or expedited services. The frequency, scope, and method of continued services will be determined at the sole discretion of [YOUR BUSINESS NAME].

Client eligibility for continued support requires good-faith participation, timely document submission, and ongoing cooperation.

Good Faith Participation: Refund eligibility requires the client’s continued good-faith participation in the program.

CANCELLATION POLICY

Clients may cancel this agreement at any time. There is no annual obligation. To cancel, the client must provide written notice to [YOUR BUSINESS NAME].

CLIENT RESPONSIBILITIES

The client agrees to provide all requested documentation, reports, and correspondence in a timely manner. Delays in providing required materials may delay services. [YOUR BUSINESS NAME] is not responsible for delays caused by third parties or incomplete information.

Clients must notify [YOUR BUSINESS NAME] of any changes in contact or mailing information.

INDEMNIFICATION

The client agrees to indemnify and hold harmless [YOUR BUSINESS NAME] from any claims, damages, or expenses (including reasonable attorney’s fees) arising from inaccurate information provided by the client or misuse of services.

LIMITATION OF LIABILITY

[YOUR BUSINESS NAME] shall not be liable for any indirect, incidental, or consequential damages, including lost profits or savings, arising from the use of services or inability to achieve a desired outcome.

ARBITRATION CLAUSE

Any dispute arising under this agreement shall be resolved through binding arbitration in accordance with the rules of the United States Arbitration and Mediation authority. Arbitration decisions shall be final and enforceable in a court of competent jurisdiction.

DIGITAL SIGNATURE AUTHORIZATION

By signing this agreement, the client authorizes [YOUR BUSINESS NAME] to securely store and apply their digital signature to dispute correspondence and related documents prepared on the client’s behalf. This authorization may be revoked at any time in writing.

GOVERNING LAW

This agreement shall be governed by and construed in accordance with the laws of the state in which [YOUR BUSINESS NAME] is registered.

ENTIRE AGREEMENT

This agreement constitutes the entire understanding between the client and [YOUR BUSINESS NAME] and supersedes all prior communications or agreements relating to the services described herein.

RIGHT TO CANCEL (CROA NOTICE)

You have the right to cancel this contract within three (3) business days from the date you sign it, without penalty or obligation. Any payments made will be refunded within 15 days of cancellation.

To cancel, submit a dated written notice to [YOUR BUSINESS NAME] at the contact information provided.

SEC. 405 DISCLOSURE

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

[YOUR BUSINESS NAME] respects the privacy of its clients and is committed to protecting personal and confidential information collected in connection with the services provided.

INFORMATION WE MAY COLLECT

In order to provide services, [YOUR BUSINESS NAME] may collect information provided directly by the client, including:

Name

Mailing address

Email address

Telephone number

Date of birth

Identification information

Information contained within consumer credit reports

Documents and correspondence supplied by the client

Information concerning accounts the client wishes to review or dispute

Information necessary to communicate with consumer reporting agencies, creditors, furnishers, collectors, service providers, or regulatory agencies when authorized by the client

USE OF INFORMATION

Information collected by [YOUR BUSINESS NAME] may be used for purposes including:

Providing the services requested by the client

Reviewing consumer credit report information

Preparing correspondence authorized by the client

Communicating with the client regarding services

Maintaining client records

Operating and maintaining the client portal

Providing customer support

Complying with applicable laws and regulatory requirements

Protecting against unauthorized, fraudulent, or unlawful activity

SHARING OF INFORMATION

[YOUR BUSINESS NAME] does not sell clients' personally identifiable information.

Information may be disclosed when reasonably necessary to provide authorized services, comply with applicable law, respond to lawful governmental or regulatory requests, protect legal rights, prevent fraud or misuse, or work with service providers performing legitimate business functions on behalf of [YOUR BUSINESS NAME].

Third-party providers may have their own privacy policies and data-handling practices.

DATA SECURITY

[YOUR BUSINESS NAME] will take reasonable administrative, technical, and organizational measures designed to protect client information from unauthorized access, disclosure, alteration, loss, or misuse.

No electronic transmission or storage system can be guaranteed to be completely secure.

CLIENT ACCESS AND CORRECTIONS

Clients should notify [YOUR BUSINESS NAME] if their personal or contact information changes or if information maintained by [YOUR BUSINESS NAME] requires correction.

DATA RETENTION

Client information may be retained for as long as reasonably necessary to provide services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal or regulatory requirements.

THIRD-PARTY SERVICES

Services may involve third-party platforms, consumer reporting services, credit-monitoring providers, communication providers, payment processors, or other technology providers.

[YOUR BUSINESS NAME] is not responsible for the independent privacy practices of third-party companies.

PRIVACY QUESTIONS

Questions or requests concerning this Privacy Policy or personal information may be submitted to [YOUR BUSINESS NAME] using the business contact information provided to the client.

By using the services, the client acknowledges that they have received or been provided access to this Privacy Policy.

NO LEGAL ADVICE

[YOUR BUSINESS NAME] does not provide legal, financial, or tax advice, and clients are encouraged to consult licensed professionals as needed.

By checking this box, I consent to receive non-marketing text messages from [BUSINESS NAME] about [USE_CASE_FROM_CAMPAIGN_DESCRIPTION]. Message frequency varies, message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

By checking this box, you acknowledge that you have read and agree to the terms and conditions outlined in this Client Agreement. You also consent to the collection and use of your personal information as necessary to provide credit education services. Your information will be securely transmitted and stored.