Welcome to our Credit Repair Service! There are a few things that the Federal Trade Commission (FTC) and REAL EASY CREDIT, LLC want you to know.
1. The Consumer Reporting Agencies (CRA) are NOT government agencies, they are for profit, multimillion dollar corporations that gather and sell your private personal information, to creditors, insurers, employers, landlords, and companies that solicit you for credit and insurance offers. They also sell your private personal information to telemarketing companies and mailing list companies.
2. The CRA must remove or correct inaccurate or unverifiable information. The CRA is not required to remove accurate information from your file unless it is outdated or cannot be verified.
3. The FTC worries that you may have undergone such financial hardship, that our fees are too difficult for you to afford. If this is the case, then our services may not be for you. The last thing REAL EASY CREDIT, LLC wants for its clients is to become a financial burden.
4. We also want to make sure you are aware of your rights under State and Federal law, so we are giving you a letter from the FTC entitled “Consumer Credit File Rights under State and Federal Law”.
5. You can notify the credit bureau’s yourself of a dispute; you also have the right to hire a company to attend to this matter for you. It is a time consuming task, which takes organization and persistence to complete.
We at REAL EASY CREDIT, LLC have the knowledge and experience you can trust to get the job done! I, the undersigned, understand, and have received a copy of, my rights under State and Federal Law, I am not in a position of financial hardship, and I understand that I can dispute information on my own credit reports.
Nevertheless, I have requested the assistance of REAL EASY CREDIT, LLC in correcting the incomplete, inaccurate, and unverifiable information being reported on my credit reports.
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Signature Print Name Date
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Signature Print Name Date
Terms and Conditions
1. Customer agrees:
a. To provide Real Easy Credit, LLC with a copy of all correspondences received from credit reporting agencies or creditors relating to credit report entries which are the subject to matter of this subscription by virtue of the credit report entries challenged by Real Easy Credit, LLC for verification of accuracy. If you do not receive any correspondence within 60 days, please notify us immediately.
b. Not to contact credit reporting agencies (Experian, Equifax and Trans Union) for any reason. Not to apply for any type of credit, i.e., credit card car loans, or secured financing, during the period of this agreement without 7 day prior written notification to Real Easy Credit, LLC., and an opportunity on the part of Real Easy Credit, LLC to consult with Customer with regard thereto.
c. To provide to Real Easy Credit, LLC, within 14-days of receipt thereof, all correspondence received from credit reporting agencies by Customer.
d. Customer understands that the results obtained by Real Easy Credit, LLC on behalf of Customer are dependent on numerous factors, including but not limited to Customer’s ability to repay debts and loans, cooperation of Customer’s creditors, and credit reporting agencies ability to verify information provided to them by Real Easy Credit, LLC on behalf of Customer.
e. Customer understands that accurate information may not be removed unless it is listed beyond a lawful time period.
2. Real Easy Credit, LLC agrees:
a. To evaluate Customer’s current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Real Easy Credit, LLC to dispute any inaccurate, erroneous, or obsolete information contained in the customer’s credit reports.
b. To prepare all necessary correspondence in dispute of inaccurate, erroneous, or obsolete information in customer’s credit reports.
c. Credit profile status, consulting, coaching and monitoring services are primarily conducted by phone during normal business hours (9:00:00 AM - 5:00:00 PM EST)
d. The Customer understands that there will be an initial Credit Report Analysis/Audit Fee of $159.00 for an individual or $268.00($134.00 each) for a couple, billed at the time this Contract is signed and that REAL EASY CREDIT, LLC will analyze/audit the Customer's credit reports and develop a plan to delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. Except for the Credit Report Analysis/Audit Fee, there will not be any fees or any other charges associated with the Services until after the completion of the first month of Services. The Customer understands and agrees that after the first month of Services, a fee of $49 for an individual or $94 for a couple will be due, and that this fee is for all costs and fees associated with the previous month's Services; and that this fee will be charged until Customer cancels Service. The work will continue until this Contract expires or is canceled. The Customer understands that the monthly fee includes the continuing analysis/audit of up to three credit bureau reports (per client, up to six for couples), all correspondence associated with the credit restoration process, the review for changes requested by the Customer to the Customer's credit reports as a result of contacts made on the Customer's behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report repair and improvement.
Real Easy Credit, LLC LIMITED POWER OF ATTORNEY
Be it known that I, the undersigned, am the individual listed below and as such do hereby grant a Limited Power of Attorney to Real Easy Credit, LLC. Real Easy Credit, LLC, and any and all persons in their employment, shall have the necessary power and authority to undertake and perform the following on my behalf. I hereby give permission to Real Easy Credit, LLC to sign my name on all letters written on my behalf and or as agent for the only purpose of communicating with credit reporting agencies or creditors and to challenge and verify account information held by consumer credit reporting agencies or creditors.
CUSTOMER METHOD OF CANCELLATION
You may cancel this transaction, without any penalty or obligation; within five business days from the date this contract is received by Real Easy Credit, LLC home office. To cancel this transaction, mail, or deliver a signed letter stating to cancel any further actions on your account to: Real Easy Credit, LLC, 239-40 148th Avenue, Rosedale, NY 11422
If you cancel during the allotted timeframe, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within 21 business days following receipt of your cancellation notice. Any security interest arising out of the transaction will be cancelled.
WARRANTY AGREEMENT
We are confident that you will be pleased with our services, our warranty clearly states that if you have been with us for six months and you have forwarded credit reports every sixty days, and complied with the commitments to the service and your credit file has not improved, you are entitled to a 100% Money Back Warranty. No Questions Asked.
I have read and understand all of the above listed items I have reviewed the terms and conditions with the customer.
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1) Signature Date 2) Signature Date
APPLICATION
Name ________________________________________ Spouse Name _______________________________
Address ______________________________________ Address ______________________________________
City ________________ State _____ Zip Code________ City _________________ State _____ Zip Code_______
Date of Birth __/____/___ SS#_____________________ Date of Birth ___/___/___ SS#__________________
Phone # _________________________________ Phone # __________________________
E-mail __________________________________ E-mail _______________________________
How did you hear about us? (Ref. Code): ____________________
- Need copy of Drivers license and ssn --
Payment Options: You may either affix a check or money order to this contract or fill in your credit card information below.
Choose a Plan below (check one box):
Individual [ ] Payment Plan: $49/month and $159 down
Couple [ ] Payment Plan: $94/month and $268 down
Payment Method
*Money Order/Cashier’s Check (Please mail along with contract) [ ]
*Credit Card/ Debit Card (Paid over the internet) [ ]
*Cash (Paid in our office) [ ]
** Upon choosing a payment plan I hereby authorize REAL EASY CREDIT, LLC auto deduct or draft my monthly payments on the monthly anniversary of this contract (i.e., 01/06/02, 02/06/02, 03/06/02, 04/06/02).
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Credit Card Number Expiration Date CVV (Last 3 digits on back of card-or 4 if Amer Exp):
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Name on Card Type of Card (Visa, MC, Discover, AmExp)
Client Information
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First Name Last Name Company Name
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Billing Address (As it Appears on your Credit Card Statement)
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1) Signature Date 2) Signature Date
