Credit Dusters Inc (CDI) will provide coaching on how to improve and maintain your credit report.
CDI will review all credit related information provided by you, our customer, to prepare letters and challenge/correct inaccurate, incomplete, obsolete or unverifiable items as per the Fair Credit Reporting Act. CDI will submit these letters on your behalf and in your name. CDI will complete 45 day or 90 day (depending on level of membership) reviews of your credit file and keep you fully informed of all progress. CDI cannot guarantee deletion of any accounts or score increases, as both depend on many factors that are beyond our control.
You may cancel these services at any time without penalty or fees.
Customer Will Agree To:
1. Provide CDI with credit related information, such as credit reports, credit bureau correspondence, changes made to account and any changes of address.
2. Immediately forward all correspondence received from Credit Agencies, Creditors or Collection Agencies to CDI . Failure to not communicate with CDI and forward correspondence will result in delay of service.
3. CDI will make recommendations and discuss with the Customer the best moment to apply for new credit.
Customer Payment Agreement: After initial consultation Customer agrees to pay CDI two weeks from the start of services.
CDI will send notifications of work performed every 45 days or 90 days (depending on level of membership).
Customer can request a cancellation of future services by CDI at anytime without penalty or further charges.
NOTICE: All documentation from the Credit Reporting Agency will be sent directly to the Customer. It is the Customer’s responsibility to forward to CDI all documentation promptly.
Electronic Signature, Power of Attorney In order for CDI to successfully provided excellent service in restoring your good credit, CDI needs permission to write and sign letters to the Credit Bureaus in your name. By granting CDI a limited power of attorney you will be giving permission to have letters written on your behalf. Your electronic signature is a Limited Power of Attorney and authorizes CDI to represent you under the Fair Credit Reporting Act and other State and Federal Laws. You may cancel your electronic authorization at anytime with CDI. I do hereby grant a Limited Power of Attorney to Credit Dusters Inc and any persons of their employ for the sole purpose of preparing and signing all documents written with the intent of challenging and/or verifying information with consumer credit reporting agencies.
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. Consumer Credit Act Disclosure Consumer Credit File Rights Under State and Federal Law (Sec. 405. Disclosures) This disclosure has been furnished to you in accordance with the Consumer Credit Protection Act. I acknowledge that i have received a copy of the Consumer Credit File Rights under Stant and Federal Law in accordance with the Consumer Credit Protection Act.
1. CDI collects nonpublic personal information about you from the following sources: a. Information we receive from your application with CDI. b. Information we receive from the Credit Bureaus. c. Information we receive from our affiliates or other third parties. 2. CDI will not disclose any information about you without a written authorization from you.
3. To protect you and your non-public information, we maintain physical and procedural safeguards that comply with federal guidelines. Authorization to Release Information 1. I have applied for credit repair services with Credit Repair Clinic Corp. As part of this process, CDI may verify information contained in my credit report.
2. I authorize you to provide CDI any and all information that they request. Such information includes, but is not limited to, mortgage, credit card and installment loan information.
3. A copy of this authorization may be accepted as an original. Client Signature:
Notice of Cancellation Right to Cancel Contract (SEC. 407, Consumer Credit Protection Act) 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.