ABC Credit Solutions11 X Street, Suite 111
Somerville, NJ 01111
Phone: 111.111.1111 Fax: 908.941.0894
Thank you for retaining ABC Credit Solutions to help improve your credit rating. We understand that the process of working to improve your credit can be confusing and difficult at times. So, in order to ensure that you completely understand the process, please read the following pages carefully. Upon review, complete all enclosed paperwork and return it to us with proper documentation and payment.Please be sure to mail us copies of all correspondence you receive from the Credit Bureaus after you retain us. The information contained in the reports you receive from the Credit Bureaus is essential to proceed in improving your credit rating.
We look forward to helping you to restore your credit to a good standing and feel confident that you are making the right choice by hiring our company.
In order to begin the process of improving your credit rating, please send us the following via fax or email.
• Copy of utility bill with your name
• Government-issued ID.
• SSN Card
There is a one-time charge of $250.00 for individuals and $600.00 for couples for the first month and set up. The fee includes a detailed review of each of your 3 major credit reports. The goal is to evaluate each individual plan of attack that will give us the greatest opportunity for success. There will be a monthly service fee of $100 per person for work done once the results start arriving. The methods of payment are as follows: Credit/Debit Cards or Wire transfer
1. Do not send anything to or talk to the Credit Bureaus while we are working on your file unless instructed otherwise.
2. Do not send anything or talk to your Creditors while we are working on your file unless instructed otherwise.
3. Mail ALL correspondence from Creditors and the Credit Bureaus to us when you receive it in the mail. If you do not receive these updates, it is your responsibility to contact us and tell us you haven’t received it. You will receive updated credit reports and other types of correspondence from the credit bureaus within 30-45 days. If we do not receive your credit reports in a timely fashion, we can not work on your credit files, which will delay your progress.
Correspondence with Creditors
Do not talk to creditors unless you intend to pay your balances owed in full. We suggest you retain our services to settle each unpaid collection account. We have extensive experience in getting collection agencies to agree to delete the account from the credit report with payment. At a minimum, the best possible settlement will be negotiated. Only enter spouse information if your spouse is retaining us also.
This agreement is in response to the undersigned (Hereby referred to as "the Client(s)") desire to hire ABCCS. By signing this agreement, "the Client(s)" agrees that they read and fully agree with all terms contained in this contract. This agreement covers all representations made by ABCCS. and "the Client(s)" and can only be modified in writing by both parties. If "the Client(s)"has any addendums or changes, "the Client(s)" must contact us with modifications before signing this contract. We have successfully helped many clients improve their credit in the shortest time possible. This consulting agreement is by and between "the Client(s)" and ABC Credit Solutions:
Total Fee $250.00 (due today)
This agreement is in response to the undersigned (Hereby referred to as "the Client(s)") desire to hire ABCCS. By signing this agreement, "the Client(s)" agrees that they read and fully agree with all terms contained in this contract. This agreement covers all representations made by ABCCS. and "the Client(s)" and can only be modified in writing by both parties. If "the Client(s)"has any addendums or changes, "the Client(s)" must contact us with modifications before signing this contract.
We have successfully helped many clients improve their credit in the shortest time possible.
This consulting agreement is by and between "the Client(s)" and ABC Credit Solutions:
(a) Disclosure Required. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:
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'.
I. PRINCIPAL AND ATTORNEY-IN-FACT
I hereby appoint ABCCS to serve as my attorney-in-fact, to act for me in any lawful way with respect to the subjects indicated below.
II. EFFECTIVE TIME
This shall become effective immediately and shall continue to be effective on an as need basis I give written notice of cancellation to the address listed above.
III. Permission to work on your behalf
My attorney-in-fact shall have the power to act in my name, place and stead in any way which I myself could do with respect to the following matters to the extent permitted by law:
The power to: Act on my behalf in negotiating payment terms with my creditors and also the power to submit letters on my behalf to all credit bureaus and receive documents that relate to my credit and credit history; that shall include credit reports, prior dealings with creditors and settlement offerings made by creditor.
IN WITNESS WHEREOF, the undersigned has executed this on the date set forth below.
This privacy notice explains ABC Credit Solutions' privacy policies and practices, the type of information we collect and how you can direct us not to share certain information with third parties. The practices described in this policy are applicable to current and past clients that do business with ABC Credit Solutions The policy also explains how ABC Credit Solutions protects the Confidentiality and security of our client’s information.
1. ABC Credit Solutions collects non-public personal information about you from the following sources:
a. Information we receive from your application with ABC Credit Solutions.
b. Information we receive from the Credit Bureaus
c. Information we receive from our affiliates or other third parties
2. ABC Credit Solutions will not disclose non-public personal information about you without a written authorization.
3. To protect your non-public personal information, we maintain physical and procedural safeguards that comply with federal guidelines.
I have read and received a copy of the Privacy Notice on the date described below.