CREDIT REPAIR SERVICE AGREEMENT
CreditRepairCo.net (“CRCO”)

THIS AGREEMENT is entered into as of the date signed below, by and between CreditRepairCo.net (hereinafter “CRCO” or “Company”), and the undersigned individual (hereinafter “Consumer”). Collectively referred to as the “Parties.”

WITNESSETH:

WHEREAS, Consumer desires assistance in reviewing and disputing potentially inaccurate, incomplete, or unverifiable information appearing on their credit reports; and

WHEREAS, CRCO provides credit education, credit file review, and dispute assistance services in compliance with the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.) and applicable state laws;

NOW, THEREFORE, the Parties agree as follows:

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ARTICLE 1 – REQUIRED DISCLOSURES

1. No services will be performed until:
   a. This written agreement is signed and dated by Consumer; and
   b. The three (3) business-day cancellation period has expired.
2. CRCO does not guarantee specific outcomes or deletions. Accurate, current, and verifiable information cannot legally be removed from a credit report.

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ARTICLE 2 – SERVICES TO BE PERFORMED

CRCO agrees to:

a. Review Consumer’s credit reports from Experian, Equifax, and TransUnion.
b. Identify potentially inaccurate, incomplete, or unverifiable negative items.
c. Prepare and provide dispute correspondence to credit bureaus and/or data furnishers.
d. Provide follow-up dispute assistance when responses are received.
e. Provide general credit education and recommendations for credit improvement.

CRCO does not provide legal services.

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ARTICLE 3 – COMPENSATION (PAY PER DELETE MODEL)

CRCO operates strictly under a “Pay Per Delete” structure.

Consumer agrees to the following fees ONLY after a verified deletion:

• $70 per negative item deleted per credit bureau
• $25 per hard inquiry removed per credit bureau

Charges apply only after written confirmation that the item has been removed from the applicable credit bureau.

No upfront fees are charged prior to services being performed and deletions being verified, in compliance with federal law.

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ARTICLE 4 – TERM OF SERVICES

a. Services will begin on the fourth (4th) business day after execution of this Agreement.
b. Follow-up disputes will be prepared within a reasonable timeframe after bureau responses are received.
c. This Agreement shall remain active for up to 180 days unless canceled by Consumer.

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ARTICLE 5 – CONSUMER OBLIGATIONS

Consumer agrees to:

a. Provide truthful, accurate, and complete information.
b. Submit credit reports and correspondence in a timely manner.
c. Refrain from submitting false claims or disputing accurate information knowingly.

Consumer understands that attempting to dispute accurate information may result in termination of services.

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ARTICLE 6 – CONSUMER RIGHTS

Consumer has the right to:

• Dispute inaccurate information directly with credit bureaus at no charge.
• Obtain free annual credit reports at www.annualcreditreport.com.
• Cancel this Agreement within three (3) business days without penalty.
• Sue a credit repair organization for violations of the Credit Repair Organizations Act.

Accurate negative information generally remains on a credit report for seven (7) years. Bankruptcy may remain for up to ten (10) years.

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ARTICLE 7 – NONPROFIT CREDIT COUNSELING NOTICE

Consumer is hereby notified of the availability of nonprofit credit counseling organizations that may provide services at little or no cost.

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ARTICLE 8 – RECORD RETENTION

CRCO shall retain a copy of this signed Agreement for a minimum of two (2) years from execution.

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ARTICLE 9 – RIGHT TO CANCEL

YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION WITHIN THREE (3) BUSINESS DAYS FROM THE DATE YOU SIGN IT.

To cancel, send written notice to:

CreditRepairCo.net
[Insert Company Address]
[Insert Email Address]

Cancellation must be delivered before midnight of the third business day.

If canceled within this period, no fees will be charged.

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ARTICLE 10 – GOVERNING LAW

This Agreement shall be governed by and interpreted under the laws of the State of California.

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SIGNATURES

Consumer Name: ____________________________

Consumer Signature: _________________________

Date: ___________________

CRCO Representative: _______________________

Date: ___________________

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NOTICE OF CANCELLATION

I hereby cancel this Agreement.

Consumer Signature: _________________________

Date: ___________________

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ACKNOWLEDGMENT

By signing, Consumer acknowledges receipt of this Agreement and the “Consumer Credit File Rights Under State and Federal Law” disclosure.