Credit Repair Service

I hereby enter into the following agreement with First Coast Matchmakers, LLC d/b/a Wholesale Tradelines (hereinafter “FCFM”).

FCFM hereby agrees to perform the following:

  1. 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.
  2. To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Customer’s credit reports.
  3. 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.
  4. To continue Customer’s credit repair through 4 rounds if necessary. By signing our authorization agreement, Customer acknowledges credit repair is not a lifetime service. FCFM reserves the right to stop work on Customer’s credit file at any point if we are threatened and/or harassed by Customer.

FCFM Requires The Following:

  1. You must provide a valid ID and valid proof of address. Our team will instruct to you as to which documents are acceptable. Not following instructions, ignoring our requests, sending incorrect and blurry documents will only delay your progress. Identity information is required by the credit bureaus. It is required for FCFM to perform services.  Any reasonable responsible adult should be able to provide this information.
  2. You must sign up for, and maintain credit monitoring service with either IdentityIQ or Privacy Guard. No other services are accepted at this time. We need this in order to perform AND maintain our work. Our preferred vendor is IdentityIQ Sign Up HERE through our discounted link. This is required. The only other acceptable credit monitoring service that can be used for our service is Privacy Guard. You must keep the same credit monitoring service open throughout the entire credit sweep process.

     

  3. Do not switch to a different credit monitoring service in the middle of your service.

     

  4. Do not pull your own credit reports. This can and will delay your next credit sweep update.

     

  5. You must keep your preferred credit monitoring service active during the entire sweep process. If you cancel your subscription, or fail to keep your credit card maintained, you will delay your progress.

     

  6. Credit score decreases – The only reason your credit score will ever decrease is due to your own poor credit habits. Most clients who have negative items on their credit report, lack open positive accounts. Removing negative accounts without adding positive accounts can cause your credit score to drop. It is your responsibility to maintain your own credit score. We will provide you information on how to build and maintain your credit score while going through our credit sweep program. Follow the instructions for the best optimal outcome.

     

  7. Applying for new credit is NOT recommended during the credit sweep. This will run up your credit inquiries. You can expect your credit score to decrease by doing such.

     

  8. ABSENCE OF GUARANTEE – Credit Sweep. We do not guarantee any percentage of deletions to take place. We do not guarantee a timeframe for any deletions to take place nor do we guarantee a completion date. We do guarantee that we will use our proprietary methods to attempt to remove negative inaccurate accounts and errors on credit reports. Results will vary by client.
  9. ABSENCE OF GUARANTEE – Inquiry Removal. We do not guarantee any percentage of inquiries to be removed. We do not guarantee a timeframe for the inquiries to take place nor do we guarantee a completion date. Results will vary by client.

Authorization for Credit Repair Action

  1. I, {CLIENT}, hereafter known as \”client\” hereby authorize, FCFM, 13245 Atlantic Blvd #4-307, Jacksonville, FL 32225 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 understand and grant to FCFM, 13245 Atlantic Blvd #4-307, Jacksonville, FL 32225 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.
    This includes the possibility of a fraud alert being placed on my credit report. I understand I can remove the fraud alert at any time, however; I understand it is not recommended to remove fraud alerts while active in a credit sweep or inquiry removal program with FCFM.
  5. I hereby release FCFM, 13245 Atlantic Blvd #4-307, Jacksonville, FL 32225  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.
  6. By signing our authorization agreement, you are agreeing to our fees as outlined in the package you select. I understand that additional items added after the first round of processing will require an additional processing fee.  All clients who pay by credit or debit card will receive email notification of payment received and recurring billing charges are from Financial Consulting Management Group. There will be a $20 decline fee charged to any client whose credit or debit card declines. All accounts in default status will be sent to collections due to non payment and will have the balance of the contract due listed.
  7. By signing our authorization agreement, you understand that it is a requirement to have and maintain a paid three bureau credit monitoring service with IdentityIQ or Privacy Guard. You must maintain the same credit monitoring service throughout the duration of the credit sweep process.  

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 5 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 5th 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 FCFM, 13245 Atlantic Blvd #4-307, Jacksonville, FL 32225 before midnight on the 5th 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, {CLIENT NAME},  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.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC website: http://www.ftc.gov/os/2001/06/esign7.htm

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