803 Terrace Lane East #8
Diamond Bar, California 91765
Prepared for:
{CS-CLIENT}

The following pages contain:
1. Credit Repair Service Agreement
2. Authorization for Credit Repair Action
3. Consumer Credit File Rights (CROA Disclosure)
4. Right Of Cancellation Notice
5. State Specific Disclosures (add if applicable)
Credit Repair Service Agreement for {CS-CLIENT}
I, {CS-CLIENT}, hereby enter into the following agreement with .
hereby agrees to perform the following:
a. To evaluate Customer's current credit reports as listed with applicable credit reporting agencies and to
identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary
steps to be taken on the part of Customer in conjunction with Our Company, , to dispute any
inaccurate, erroneous, false or obsolete information contained in the customer's credit reports.
b. To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete
information in customer's credit reports.
c. To review credit profile status from the credit reporting agencies such as: Experian, Equifax and
Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings,
webinars, video conferencing, telephone, email, or by any other form of communication during normal
business hours.
In exchange, I, {CS-CLIENT}, agree to pay the following fees as outlined in the following fee schedule:
1. (INSERT YOUR PAYMENT SCHEDULE HERE)
Authorization for Credit Repair Action
1. I, {CS-CLIENT}, hereafter known as "client" hereby authorize, , 803 Terrace Lane East #8, Diamond Bar,
California 91765, to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such
applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments
in writing of whatever and nature shall only be effective for any or all of the three credit reporting agencies
which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be
necessary or proper in the exercise of the rights and powers herein granted.
2. This authorization may be revoked by the undersigned at any time by giving written notice to the party
authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not
constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire
twelve months from the date of signature.
3. The party named above to receive the information is not authorized to make any further release or
disclosure of the information received. This authorization does not authorize the release or disclosure of any
information except as provided herein.
4. I grant to , 803 Terrace Lane East #8, Diamond Bar, California 91765, authority to do, take, and perform,
all acts and things whatsoever requisite, proper, or necessary to be done, in the exercise of repairing my
credit with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other
reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally
present.
5. I hereby release , 803 Terrace Lane East #8, Diamond Bar, California 91765, from all and all matters of
actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and
demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on
the circumstances of this contract.
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 a 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 up to 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 violated 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 that 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.
Notice of Right to Cancel
''You may cancel this contract, without any penalty or obligation, at any time before midnight of the
3rd day which begins after the date the contract is signed by you.
''To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written
notice to , 803 Terrace Lane East #8, Diamond Bar, California 91765, before midnight on the 3rd day which
begins after the date you have signed this contract stating ''I hereby cancel this transaction, (date)
(purchaser’s signature).’’
Please acknowledge your receipt of this notice by electronically signing the form indicated below.
Acknowledgment of Receipt of Notice
I, {CS-CLIENT}, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I
confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy
of my Consumer Credit File Rights.