Credit Repair Law Pro LLC, will use federal laws to improve your credit by disputing the credit items which you believe to be inaccurate, misleading, or unverifiable. After we receive your credit reports we will draft and send letters to the credit bureaus and/or collection/creditors on your behalf and in your name. We cannot guarantee a specific outcome or predict how long it will take. The dispute process may take more or less than 6 months but you can cancel this agreement at any time.
During this time, you agree to:
A. Use Credit Repair Law Pro LLC and our online Portal service to dispute negative items you believe may be inaccurate, misleading, or unverifiable and provide an electronic signature giving Credit Repair Law Pro LLC limited power of attorney to perform work in your name and on your behalf.
B. With the credit, debit card or checking account information you provide us, you agree to pay Credit Repair Law Pro LLC the initial file setup fee of $99.00 after the first item is deleted and $20.00 per each collection/charge-off, late payments, inquiries and ($100 for public records, Mortgage accts or foreclosures Auto or any titled vehicle charge-off, collection or account 60 days past due and repossessions that is deleted in the previous month). Dishonored payments will result in a $35 fee. If a payment is dishonored, you agree that Credit Repair Law Pro LLC may attempt to charge your accounts for up to 90 days for the outstanding amount owed.
C. Update your credit reports every thirty (30) days with Credit Repair Law Pro LLC, forward to us copies of all correspondence from the credit bureaus, and inform us of any change in address.
D. You acknowledge that you intentionally sought out Credit Repair Law Pro LLC in the State of Florida to perform clerical services under federal law only in Florida.
E. In the event of a disagreement with Credit Repair Law Pro LLC, you agree to binding arbitration and you will not participate in any class action lawsuit.
F. You authorize us to speak with your spouse about your case.
G. Dispute letters created on your behalf by Credit Repair Law Pro LLC are proprietary and will not be shared with you.
H. This agreement, including its links and definitions, constitutes the entire agreement between you and Credit Repair Law Pro LLC and can only be modified in writing.
I. If any part of this agreement is determined to be invalid or unenforceable, the remaining parts shall not be affected.
EXPLANATION OF TERMS USED
Credit Repair Law Pro LLC disputes the negative items that you indicate by drafting dispute letters on your behalf and in your name, which are then mailed to the credit bureaus. These dispute letters are carefully written. If successful, the dispute letter will cause an investigation of your disputed credit items which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus must delete the listings. With your help, Credit Repair Law Pro LLC tracks the timely dispute of your credit reports and will keep your case on track, so long as you forward credit bureau correspondence as noted in your agreement.
Inaccurate, misleading or unverifiable information -
The Fair Credit Reporting Act requires that any listing that is found to be inaccurate, unverifiable or misleading must be removed from your credit report. Very often, the creditor who reported the listing cannot or will not verify the listing and the listing is removed. Also, evidence has shown that the credit bureaus do not always process the dispute letters and prefer to simply delete disputed items. Credit Repair Law Pro LLC maintains an excellent success rate in deleting negative items. In order for Credit Repair Law Pro LLC to proceed with your case, you must indicate which items you believe should be disputed.
Credit Reports and Monitoring –
Credit Repair Law Pro LLC may at times assist you in signing up for credit monitoring and pull your credit reports. You agree to maintain this account and give us total access. The initial fee you are charged is strictly for this credit monitoring service and credit reports and NOT for credit repair services.
Letters sent on your behalf -
Credit Repair Law Pro LLC disputes the negative items that you indicate by drafting dispute letters on your behalf and in your name, which are then mailed to the credit bureaus. If successful, the dispute letter will cause an investigation of your disputed credit listings which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus, by law have to delete the listings. Credit Repair Law Pro LLC tracks the timely progress of your credit reports and will keep your case on track.
We cannot guarantee results -
Credit Repair Law Pro LLC cannot guarantee an outcome of a client's case. Because each case has so many factors, making such a guarantee would be impossible. Credit Repair Law Pro LLC has an outstanding track record in deleting negative items from its clients' files, and most clients are very satisfied. Our company cannot predict how the credit bureaus' will respond every time. Companies that do are misleading their clients.
Length of the process -
While the anticipated length of this agreement is six months, all of your inaccurate, unverifiable or misleading credit may not be removed in this time. Some cases are completed in six months, while others continue for up to 12 months. You may cancel this agreement anytime once your account has a zero balance.
Please Pay Credit Repair Law Pro LLC -
In accordance with federal regulation, Credit Repair Law Pro LLC charges for services that have already been performed. Within the first five days, we will perform the most expensive portion of your retainer by setting up your case. Your $99 payment that is charged after at least one item is removed, covers the work performed in that initial period. Thereafter, you will make regular monthly payments to pay for work performed the previous month. Each month you will receive an itemized invoice for work performed the previous month. Again, remember that we will never charge you more than $2500.00 over the course of your contract which can last 6 months or more. Before your first payment, we will perform all intake work including welcome/education communication via email, client data input, and verification, payment arrangement set up and case management. All payments must be made via credit, debit card or bank draft. If any payment is declined by your bank or credit card company, we will redraft the payment automatically within 48 hours after the first draft. If that payment does not clear, we will contact you to make arrangements for payment. If your payment is returned declined, a $35.00 fee will be added to your next due payment.
When we file a dispute for you with the credit bureaus, the result will be correspondence letters from the credit bureaus. These letters will be sent to your home and will contain the results of our efforts. You will be the first to see any deletions or improvements after our disputes. Every so often, the credit bureaus will fail to conduct a dispute or will fail to send a proper response at the completion of an investigation or they often send stall letters that intimidate or frustrate you. Don't get discouraged, this is a common response and we know how to deal with them directly. Please forward all credit bureaus and collection agency letters to us via your online portal on our website.
The state of Florida-
This agreement and all actions and obligations performed thereunder are deemed to have been executed and performed exclusively in the State of Florida for all purposes--regardless of where you may reside. Your relationship with Credit Repair Law Pro LLC shall be governed exclusively by Florida State law and the Federal law governing the Florida Federal Courts, without regard to conflict of law provisions. Any legal or equitable action concerning this agreement or the relationship created by it shall be initiated only in Fort Myers, Florida. You and Credit Repair Law Pro LLC agree to submit to the personal and exclusive jurisdiction of courts located within Lee County, Florida. If a court of competent jurisdiction finds any portion of this agreement invalid or unenforceable the remaining provisions and portions hereof shall not be affected. You agree to this part in consideration of Credit Repair Law Pro LLC fees.
Any dispute arising between you and Credit Repair Law Pro LLC shall be resolved in Lee County, Florida, by binding arbitration pursuant to the Commercial Rules of the American Arbitration Association. You agree to abide by such rules pertaining to the selection of arbitrators and the arbitrators have no right to change this agreement. You agree that any decision rendered in arbitration shall be filed and adopted by any court having proper jurisdiction.
To the fullest extent allowed by law, you will not initiate or participate in a class representative or as a class member in any class action against Credit Repair Law Pro LLC
Discuss your case with anyone other than you-
When you become a client of Credit Repair Law Pro LLC you provide that express permission only with regard to your spouse. This allows us to better serve you by speaking with your spouse about your case or receiving updated information from your spouse. You may revoke permission at any time by notifying us in writing or by email that you wish to revoke permission. We will not discuss your case with anyone else unless you provide express permission to do so in writing. Also, by becoming a Credit Repair Law Pro LLC client you expressly acknowledge and agree to waive any potential interest that may arise between you and your spouse.
Fail to Pay-
1. Failure to pay Credit Repair Law Pro LLC for services already performed may result in further collection efforts and negative information being reported on your credit reports.
2. Credit Repair Law Pro LLC may draft checks in our office for payment of services using your bank account information. If these checks "bounce" this is considered a "worthless" or "bad" check according to the law. If these payments are not rectified, we may turn this information over to the State Attorney for prosecution which may result in Criminal charges. Please be advised.
3. You agree to receive Email, SMS and Phone calls while enrolled with Credit Repair Law Pro LLC and or while indebted to Credit Repair Law Pro LLC
4. Credit Repair Law Pro LLC phone lines may at times be recorded. You agree to this.
5. You agree that if you fail to maintain a Credit monitoring account which allows Credit Repair Law Pro LLC to pull updated credit reports, you will be charged $100 for previous work and services will be canceled.
6. If you disappear without communication and without canceling your service you will be charged $100 for previous work and services will be canceled.
NOTICE OF RIGHT TO CANCEL
You may cancel this contract, without penalty or obligation, at any time after the date of your enrollment however, we ask that you give the repair process adequate time. While the engagement agreement covers the delivery of legal services one month at a time, for the best outcome, you should allow ample time for our work to show results. That means providing us with the necessary credit reports and sufficient time for our work to come to full fruition. After the 30 days, when we pull the new report we will only bill you for what has been removed and stop your payments and not continue any service with our company.
You can cancel your engagement agreement at any time by calling (888) 411-7470 . You can also cancel this contract by, emailing a signed dated copy of the cancellation notice in your contract or other written notice, to Jon@creditrepairlawpro.com.