NCR Premium Package with Credit Reports
305 NW 5th Street, Suite 1792 Oklahoma City, OK 73101
hereafter known as "Client", located at , , hereby enters into the following agreement with Ncredible Credit Repair LLC, hereafter known as “Company”.
Company shall provide the Services and Deliverable(s) as follows:
Client agrees the following in exchange for credit repair and education:
Particular issues involved in each individual case may vary from case to case, Company cannot guarantee a specific outcome or accurately predict how long the process will take. The average time for most Clients is two (2) to six (6) months. As such, the dispute process, or credit cards or debt negotiations may take more or less than nine (9) to twelve (12) months.
Company relies on the accuracy and truthfulness of the information that “you” provide to perform their services.
Company disclaims any guarantee herein contained if Client does any of the following:
The Client elects to enroll in Company’s in-house 3-bureau Credit Reporting Service for the duration of service with Company. Client acknowledges that failure to maintain a 3-Bureau Credit Report Service active constitutes potential forfeiture of their Credit Repair Services.
“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.”
“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. To cancel this contract, mail, or email a signed and dated cancellation notice to:
Ncredible Credit Repair LLC
305 NW 5th Street, Unit 1792
Oklahoma City, OK 73101
before midnight on the 3rd day which begins after the date you have signed this contract stating "I hereby cancel this Credit Repair Service Agreement, Signed (Client Signature) (Date of Signature)"
Please acknowledge your receipt of this notice by electronically signing the form indicated below.
I hereby acknowledge the receipt of my Right to Cancel. I have read and understand the terms of this agreement, and I acknowledge that I have received a copy of my Consumer Credit File Rights. By signing this Agreement, I also acknowledge and agree that I have read and agree to all of the terms of this Agreement. If I chose not to agree to any of the terms herein, I understand that Company will not be able to represent me, nor will I be a Client of Company.
* 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 web site: http://www.ftc.gov/os/2001/06/esign7.htm
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Document Name: NCR Premium Package with Credit Reports
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