Welcome to AZTech Credit Correction, LLC!

Transcription

1 Welcome to AZTech Credit Correction, LLC! Enclosed you will find the AZTech Credit Correction, LLC Credit Correction Service Agreement. We have begun setting up your file and are excited to see you on your way to a stronger credit profile. Please print this entire package and follow the instructions below. Please remember to: 1. Sign the Consumer Credit File Rights; Fill in the date and your name on page 1 of the agreement; Initial All Disclosures on pages 2 and 3 of the agreement; Sign where indicated on page 4 of the agreement; Sign, date, and print your name on both Exhibit A and B (pages 5 and 6) included in the agreement; Complete, sign, and date the Exhibit C Limited Power Of Attorney (page 7); Fill out and sign Exhibit D ACH Authorization For Charges (page 8). IMPORTANT MUST INCLUDE THE FOLLOWING LEGIBLE COPIES WITH ALL SUBMISSIONS: 1. Copy of Driver s License (With current address) 2. Social Security Card 3. Current Utility Bill, must have same address and be in the name of client (not a cell phone bill) Once completed, please return ALL PAGES to our Enrollment Department by fax at (214) As always, if you have any questions or concerns, please do not hesitate to contact our sales department toll-free at 855-3AZ-Tech Ext. 1. Sincerely, AZTech Credit Correction, LLC Document Release: 06/27/13 Version 6.3 page 1 of 14

2 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 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 I hereby confirm that a copy of this notice has been provided to me prior to engaging signing any contract; this form has been provided separate from all other disclosures. Consumer Signature Document Release: 06/27/13 Version 6.3 page 2 of 14

3 Privacy Policy What does AZTech Credit Correction, LLC do with your personal information? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit what information is shared. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 2. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address, and Payment Information. 3. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing. Reasons we share your info Do we share your info? Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes, we share your info with necessary parties to help facilitate the products and services that you have contracted for. No For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness We share your info with partners that assist us in offering various opportunities to you. We occasionally share information with other financial and non-financial entities Yes, we share your info with affiliated parties to help facilitate your goals Yes, we share your info with affiliated parties to help facilitate your goals Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for. Yes, you can opt out of any non-essential sharing with third parties. Yes, you can opt out of any non-essential sharing with third parties. Yes, you can opt out of any non-essential sharing with third parties. To limit our sharing of information or for any questions: Call us at 855-3AZ-Tech or visit us online at Please note: If you are a new customer we are authorized to share your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing. Document Release: 06/27/13 Version 6.3 page 3 of 14

4 How does AZTech Credit Correction, LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment. How do we collect your personal information? We collect your personal information from any and all interactions that you have on our websites, we portals, communications, telephonic communications, mail services and face to face interactions. Why can t I limit all sharing? Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products. What happens when I limit my sharing for an account I hold jointly with someone else? We limit sharing for both individuals to ensure protection of your wishes. Definitions: Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Document Release: 06/27/13 Version 6.3 page 4 of 14

5 Credit Correction Service Agreement This Credit Correction Service Agreement (the "Agreement") is made and effective (Today's Date) BETWEEN: AZTech Credit Correction, LLC (the "Company"), a Limited Liability Company organized and existing under the laws of Texas with its head office located at: 111 East University Drive Suite Denton, Texas AND: (the Client ), regarding an agreement to provide credit correction services and the Client's agreement to pay for such. In consideration of the terms and covenants of this agreement, and other valuable consideration, the parties agree as follows: TERMS AND CONDITIONS The specific payment terms and cost are set forth in the Acceptance of Service ( Exhibit A ) incorporated herein for all purposes. The specific services are set forth in the Service Disclosure Statement ( Exhibit B ) incorporated herein for all purposes. CONFLICT OF INTEREST The Client warrants to the Company that it does not currently represent or promote any lines or products that compete with the Company s Products. INDEMNIFICATION The Client shall indemnify and hold the Company free and harmless from any and all claims, damages, or lawsuits (including reasonable attorneys' fees) arising out of negligence or malfeasant acts of the Client. The Company shall indemnify and hold the Client free and harmless from any and all claims, damages, or lawsuits (including reasonable attorneys' fees) arising out of failure of the Company to provide reasonable credit score increase within the allotted term. TERM AND TERMINATION This agreement is for up to twelve (12) rounds of service as defined in Exhibit A and Exhibit B. This agreement shall terminate twelve months from the aforementioned effective date. Either party may cancel this agreement with a 30 day notice. LIMITATION ON LIABILITY In the event of termination by either party in accordance with any of the provisions of this Agreement, neither party shall be liable to the other, because of the termination for compensation or reimbursement or damages on account of the loss of prospective profits or anticipated sales or on account of expenditures, investments, leases, or commitments in connection with the business or goodwill of the Company. CONFIDENTIALITY The Client acknowledges that by reason of its relationship to the Company hereunder it will have access to certain information and materials concerning the Company's business plans, clients, technology, and products that is confidential and of substantial value to the Company, which value would be impaired if such information were Document Release: 06/27/13 Version 6.3 page 5 of 14

6 disclosed to third parties. The Client agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by the Company. The Company shall advise the Client whether or not it considers any particular information or materials to be confidential. GOVERNING LAW AND JURISDICTION This Agreement shall be governed by and construed according to the laws of the State of Texas. ENTIRE AGREEMENT This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged. NOTICES Any notices required or permitted by this Agreement shall be deemed given if sent by certified mail, postage prepaid, , fax, return receipt requested, or by recognized overnight delivery service: If to the Company; At its principal place of business or if to the Client, at the address on file with the Company. SEVERABILITY If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effect. LEGAL EXPENSES The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys' fees. HEADINGS Headings used in this Agreement are provided for convenience only and shall not be used to construe meaning or intent. CLIENT OBLIGATIONS & AGREEMENT Working as a team will play an integral role of both the ultimate success and the final outcome of our efforts. The following is MANDATORY (please initial next to each item): The Client agrees to the payment terms and conditions, set forth in Exhibit A regarding billing procedures, and further agrees to maintain prompt payment of any fees due to the Company. The Client will return, along with signed agreement, a copy of their driver s license, social security card, and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc.). The Client agrees to sign a Limited Power of Attorney (Exhibit C) granting the Company specific right to contact, represent, sign for, and send correspondence produced by The Company on the Client s behalf. Document Release: 06/27/13 Version 6.3 page 6 of 14

7 Client agrees to increase a credit score they must have three open, positive trade lines. If no open, positive trade lines with less than a 30% balance exist said client agrees to establish three trade lines and maintain a balance of less than 30 % The Client must maintain an active credit monitoring account, and share login details of account with company. We pull all reports and updates electronically, however client will also receive mail. Client agrees to fax to company or upload into their secure portal any mail requesting additional info, documents or that is related to any advanced tactics accounts. The Client hereby acknowledges that the deletion or correction of any item as displayed through third party credit monitoring service shall be proof of deletion or correction. The Client agrees to provide (initially and ongoing) credit reports to company with scores from all three credit bureaus (Equifax, Experian, and Trans Union) and understands that the Company cannot proceed until initial credit reports are received. The Client agrees to maintain on-time monthly payments of their current credit obligations (i.e. car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to any progress and improvements made to the Client s credit by the Company and will void any guarantees. The Client agrees to contact the Company with any questions regarding their credit including credit inquiries or questions regarding applying for consumer credit. The Client understands credit repair and restoration is not a quick fix, no promises of results or time frame for completion have been extended. The Client understands to achieve desired outcome, completion of services can range from 3 to 12 months from start date of Agreement. The Client understands this agreement is for up to (12) rounds of service as defined in Exhibits A and B. If the Client was referred to the Company by a referral partner, the Client hereby expressly consents to the Company, sharing data related to the Client's credit profile with aforementioned referral partner. The Company guarantee shall be understood as the following: AZTech Credit Correction, LLC shall guarantee to provide all products and services to our clients as outlined in our agreements. Any client who does not receive the products and or services outlined in their agreement can request a refund. The company reserves the right to assess a per deletion fee of $ 100 per item from any refund due to client. A client who has any nsf fees to the company waives the right to any refund for any reason what so ever. Any client who falsely at their bank reverses charges in a fraudulent manner may be prosecuted as state or federal law allows. Either party may cancel this agreement with a 30 day written notice. Cancellation of contract does not relieve the Client of any obligation incurred by contract, prior to notice being received. Notice shall not be considered received unless confirmation of receipt has been received by all parties. The Client may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract. See the attached Notice Of Cancellation form for an explanation of this right. OTHER TERMS AND DISCLOSURES Document Release: 06/27/13 Version 6.3 page 7 of 14

8 The Company makes no guarantees other than any guarantees expressly written within this Agreement. No oral agreement or other agreement shall override this agreement unless received in writing from an authorized Company officer. The Acceptance of Service (Exhibit A) is the payment plan accepted by the Client and incorporated herein for all purposes. In the event of non-payment of fees and/or expenses, and/or upon discharge or withdrawal, the Company may bring an action against the Client to collect any unpaid fees and expenses. The Client understands that the addition of new derogatory information will negatively impact the results of the Company s service. The Client also understands that the Company will help remove erroneous, outdated, unverifiable, or incorrectly reported information from the bureaus, as allowed by state and federal law, and understands that the Company makes no claim beyond those changes allowed by state and federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information. The Client understands that no guarantee of any particular credit score is made through this Agreement. The client understands they must either have or establish three open, 100% positive trade lines with less than a 30 % balance while in the program. The Client understands that it is their right to execute similar disputes on their own behalf, but has willfully elected to allow the Company to perform the Services for the disclosed fees. The Client acknowledges they have received a copy of the Company s privacy policy and a copy of required disclosures prior to signing this contract. The Company has the option of fulfilling or outsourcing any of the services through a credit services processor or affiliate to best serve you. In addition, members of the Company will be communicating with the appropriate parties on the Client s behalf. IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. By: Credit Consultant AZTech Credit Correction, LLC By: Client Signature Printed Name Notice of right to cancel: The Client may cancel this contract, without penalty or obligation, within five (5) days after the date the Client signed the contract. Document Release: 06/27/13 Version 6.3 page 8 of 14

9 Exhibit A Acceptance of Service ATTACHED HERETO IS EXHIBIT A WHICH IS INCORPORATED HEREIN AND EXECUTED INTO THIS AGREEMENT The Company requires all clients to sign an Acceptance of Service acknowledgment. By signing this form the Client is agreeing to the terms and conditions of service set forth in this agreement and to the terms and conditions of payment. The Company also reserves the right to collect any monies not yet paid under the terms of our agreement. The Client also agrees that any remaining payments will be applied in accordance with our agreement, regardless of the Client's default. TERMS AND CONDITIONS The Credit Correction Service is provided on a per Round basis. This agreement is month to month for up to (12) rounds of service. Itemizations of services performed in each round are detailed in Exhibit B. The Client agrees to pay $ upon the completion of each round of service. Each round will be deemed complete upon the transmittal of the challenge letters as defined in Exhibit B. The Company strives to complete round one (1) approximately seven (7) days from the effective date of the Agreement. The transmittal of the challenge letters for each subsequent round occurs approximately thirty (30) days after the completion of the previous round. The Company cannot guarantee the exact date or the number of days each round will take to complete. At no time will the Company charge any fees for work performed in any round until the round is complete. Upon completion of each round of service, the Company will a Statement of Charges to the address on file with the Company for the Client. Seventy-two (72) hours after the Statement of Charges has been ed to the Client, the Company will initiate a debit entry to the checking account indicated by the Client in the ACH Authorization For Charges ( Exhibit E ). Said Acceptance of Service received by the undersigned consumer on the day of, 20. By: Client Signature Printed Name Notice of right to cancel: The Client may cancel this contract, without penalty or obligation, within five (5) days after the date the Client signed the contract. Document Release: 06/27/13 Version 6.3 page 9 of 14

10 Exhibit B Service Disclosure Statement ATTACHED HERETO IS EXHIBIT B WHICH IS INCORPORATED HEREIN AND EXECUTED INTO THIS AGREEMENT All services have associated charges and costs, costs of said services are only charged and considered earned after the services have been completed. At no time will the Company charge any fees for work that has not already been completed. The following services will be provided: 1. Round 1: a. Set-up the Client's secure interactive web portal site. The portal is used for secure communication and tracking of the Client's file status and results. b. Perform opt-out to reduce junk mail. c. Review strategic plan to assist the Client in meeting their goals. d. Prepare challenge letters for items appearing on the Client s credit reports which the Client indicates are inaccurate, incomplete, outdated, or unverified per the Fair Credit Reporting Act. e. Transmit the challenge letters and/or correspondence to both creditors and or credit bureaus to verify and/or dispute items appearing on the Client s credit reports as listed above. 2. Rounds 2, 3, 4, 5, and beyond: a. Receive and process manual updates. b. Respond to, receive, and/or initiate correspondence via telephone, , facsimile, and physical mail (i.e.: USPS, FEDEX, UPS, etc.). c. Review of response letters and all correspondence received from credit bureaus, creditors, and others. d. Analysis and review of the Client's file status. e. Update the Client's secure interactive web portal with most recent updates and/or notes. f. Review strategic plan to assist the Client in meeting their goals. g. Review the Client s credit report updates to determine next step. h. Follow up calls to discuss the Client s case status and strategy, if needed. i. Prepare challenge letters for items appearing on the Client s credit reports which the Client indicates are inaccurate, incomplete, outdated, or unverified per the Fair Credit Reporting Act. j. Transmit the challenge letters and/or correspondence to both creditors and credit bureaus to verify and/or dispute items appearing on the Client s credit reports as listed above. AZTech Credit Correction, LLC makes no other guarantees aside from the guarantees expressly written within this disclosure. No oral agreement or other agreement shall override this agreement unless received in writing from an authorized AZTech Credit Correction, LLC officer. It is agreed that this Disclosure Statement has been signed prior to the execution of the Credit Correction Service Agreement between the parties. Said Disclosure Statement received by the undersigned consumer on the day of, 20. By: Client Signature Printed Name Notice of right to cancel: The Client may cancel this contract, without penalty or obligation, within five (5) days after the date the Client signed the contract. Document Release: 06/27/13 Version 6.3 page 10 of 14

11 Exhibit C Limited Power Of Attorney ATTACHED HERETO IS EXHIBIT C WHICH IS INCORPORATED HEREIN AND EXECUTED INTO THIS AGREEMENT This form is a limited power of attorney and will be used for the sole purpose of helping with the restoration of your credit. This does not give us full power of attorney over any of your other affairs. I,, a resident of county, of the State of give AZTech Credit Correction, LLC its officers, employees, and agents the necessary power and authority, in and on my behalf, to act as my attorney-in-fact in order to undertake and perform the following matters only as set forth herein: obtaining information, including but not limited to credit reports in my name, over the telephone, fax, and internet, through written or online correspondence from credit bureaus, creditors, or collection agencies. If negotiation of a debt is necessary I give AZTech Credit Correction, its officers, employees, and agents the right to discuss information to help resolve a debt. I hereby authorize AZTech Credit Correction, LLC, its officers, employees, and agents this release or copy thereof within 12 months of this date to obtain any information in my credit report that may involve medical records and/or credit records. I hereby direct said record holder authorization to release any requested information upon the presentation of this Limited Power of Attorney. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records, Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems), consumer reporting agencies, retail business establishments, lending institutions, student loan agencies (public and/or private), from liability including whatever kind which may at any time result to me, my heirs, family or associates, because of compliance with this authorization to release information, or any attempt to comply with it. I have the right to revoke or terminate this Limited Power of Attorney at any time. This Limited Power of Attorney shall terminate twelve (12) months from the date of execution set forth below. My attorney-in-fact shall not be liable for any acts or decisions made in good faith and pursuant to the terms herein. All issues pertaining to validity, interpretation, and administration of this Limited Power of Attorney shall be determined in accordance with the laws of the State of Texas. Signature: Print Name: Address: Address: Document Release: 06/27/13 Version 6.3 page 11 of 14

12 Exhibit D ACH Authorization For Charges In consideration of the goods, products and/or services provided to the Client by the Company, as listed above in Exhibit B, the Client hereby authorizes the Company to initiate debit entries to the checking account indicated below at the depository financial institution named below. The Client understands that the Company cannot guarantee the exact date of the debts and agrees with the payment terms as defined in Exhibit A. The Client also acknowledges that the origination of ACH transactions to the checking account indicated below must comply with the provisions of U.S. law. Depository Bank Name: Checking Account Name: (Name On Your Account) 9 Digit ABA Routing Number: Checking Savings Account Number: Effective Date: / / (mm/dd/yyyy) (Today s Date) This authorization is to remain in full force and effect for this agreement only, or until such time that the Client's indebtedness to the Company for the amount listed above is fully satisfied. The specific debits to the account authorized herein may only post on or after the effective date listed above, and in no event may the debit transactions post to the account prior to said date. The Client may only revoke this authorization by contacting the Company directly at the address and phone number listed above, and only in the case that the Client returns the goods, products and/or services provided by the Company pursuant to their particular return policy in effect on the effective date listed above. Signature Printed Name Document Release: 06/27/13 Version 6.3 page 12 of 14

13 Notice Of Cancellation 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 AZTech Credit Corrections at 111 East University Drive Suite Denton, Texas before midnight on. I hereby cancel this transaction: Date: Signature: Printed Name: *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE* Document Release: 06/27/13 Version 6.3 page 13 of 14

14 Notice Of Cancellation 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 AZTech Credit Corrections at 111 East University Drive Suite Denton, Texas before midnight on. I hereby cancel this transaction: Date: Signature: Printed Name: *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE* Document Release: 06/27/13 Version 6.3 page 14 of 14