SHDP CREDIT RESTORATION CONTRACT, ELECTRONIC SIGNATURE & LIMITED POWER OF ATTORNEY

Transcription

1 SHDP CREDIT RESTORATION CONTRACT, ELECTRONIC SIGNATURE & LIMITED POWER OF ATTORNEY You have contracted SHDP ("Self Help Document Preparation") to restore your credit. SHDP will utilize all applicable remedies permissible by law in challenging items on your credit report which you have identified as inaccurate or questionable. You may cancel this agreement within the first five days with no further obligation. In consideration of SHDP credit restoration services you agree to the following: 1) I agree to provide SHDP with a legible current copy of my credit report a copy of current Driver s License or State ID and a legible copy of my (our) Social Security Card. 2) I agree to cooperate with SHDP in the review of my (our) credit history and the identification of all inaccurate or questionable items on my (our) credit report. 3) I agree to pay SHDP the promotional fee of $ or $ if I sign up with my spouse. I agree to a six month term of service. The initial setup fee includes $ administrative fee which is non- refundable after sign up date. The six month term does include the administrative fee. 4) I agree to provide SHDP with legible copies of all updated credit reports and correspondence which I receive from the credit bureaus during the span of the contract service. 5) I agree to promptly notify SHDP of any change of my (our) name, address, or contact information while under contract. 6) I agree SHDP will systematically dispute questionable and erroneous items contained in your credit report by preparing signing and sending letters to the credit bureaus and collectors, as deemed appropriate, on your behalf and in your name. Date: Date: Signature: Signature: "By checking this box and providing my Social Security Number I certify that I am at least 19 years of age, acknowledge that I have read the legal disclosures, and give my electronic signature and limited power of attorney for SHDP to perform work on my behalf" you are representing and agreeing that you accept all terms and conditions as if you had physically provided your signature. Affiliate Name: First Last: ID #

2 EXPLANATION OF FEES AND SERVICES Initial set up constitutes as data entry into our software in preparation for starting the credit restoration process, data verification, and setup of a customer file. If client cancels contract after 5 day period and there have been removal of erroneous, negative, or unverifiable items, a fee of $50.00 per individual item per credit reporting bureau will be deducted from balanced left if any. Not including the $ administrative fee which is non- refundable. The total promotional costs are $ for an individual; OR $ for a couple for a six month period of service. SHDP reserves the right to change price of service at anytime. This will not affect clients under contract if change occurs. For the duration of the contract SHDP will systematically dispute questionable and erroneous items contained in your credit report by preparing and sending letters to the credit bureaus and collectors, as deemed appropriate, on your behalf and in your name. On an ongoing basis we will monitor the results, continue our efforts, and consult with you as needed. SHDP cannot predict exactly how long the process will take. The duration of the program is entirely dependent on the number of accounts that we will be disputing. In most cases, this takes approximately six months; however it may take more or less time depending on your case. ELECTRONIC SIGNATURE By checking the box on our application form that states: "By checking this box and providing my Social Security Number I certify that I am at least 19 years of age, acknowledge that I have read the legal disclosures, and give my electronic signature and limited power of attorney for SHDP to perform work on my behalf" you are representing and agreeing that you accept all terms and conditions as if you had physically provided your signature.

3 LIMITED POWER OF ATTORNEY This is a Limited Power of Attorney providing SHDP with the permission to represent you in accordance with this agreement. Your Limited Power of Attorney authorizes and directs SHDP to act as your disclosed or undisclosed agent when performing the services you have retained SHDP to provide. For the duration of this Limited Power of Attorney we will write, sign, and send letters to the credit bureaus, creditors, and collectors, as deemed appropriate, in your name and on your behalf. Date: Date: Signature: Signature:

4 You may cancel your Limited Power of Attorney at anytime by sending SHDP a statement in writing via electronic mail or postal mail stating that you retract your electronic authorization. Without this electronic authorization and Limited Power of Attorney, SHDP is unable to represent you, and canceling it will terminate this Agreement. Our Contact Information: SHDP Alessandro Blvd # Moreno Valley CA, Office: Fax: legallyrestorecredit@gmail.com

5 INFORMATION STATEMENT Consumer Credit File Rights Under State and Federal Law (Pursuant to Credit Repair Organizations ACT, 15 U.S.C 1679D) Carefully read the following before deciding to do business with us. We are committed to your satisfaction, as well as your full understanding of the State and Federal laws that regulate our conduct towards you. You have a right to bring a civil action for damages against a Credit Repair Organization that violates any provision of the Credit Services Act of Please make certain that the information you provide to us is accurate. It is a violation of State and Federal law to make any statement which is untrue or misleading and which is known, or which by the exercise of reasonable care should be known, to be untrue or misleading, to a consumer credit reporting agency. In addition, it is illegal for you to make, or for a company like SHDP to assist you to create, a new credit record by using a different name, address, social security number, or employee identification number. You have a right to obtain a copy of your credit file from a consumer credit reporting agency. 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 consumer credit reporting agency must provide someone to help you interpret the information in your credit file. You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act (FCRA), the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If the Credit Reporting Agency s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you. The Federal Trade Commission regulates the Credit Reporting Agencies and Credit Repair Organizations. For more information, contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C You have a right to cancel the contract for any reason within five working days from the date you signed it. If for any reason you do cancel the contract during this time, you do not owe any money. You have a right to sue a credit services organization if it misleads you.

6 SHDP RIGHT OF CANCELLATION: You may cancel this Agreement without penalty or obligation at any time before midnight on the fifth business day following the date on which you signed this agreement. See the attached Notice of Cancellation form for an explanation of this right. Date: Date: Signature: Signature:

7 IMPORTANT INSTRUCTIONS: When signing your Limited Power of Attorney having it notarized is optional, however recommended. The main reason is if the Bureaus sends a letter back questioning the authenticity of your letters and your identity, you and SHDP will have verified proof from the Notary Public that you are truly the person that is disputing the erroneous, negative or unverified information in your report. If outside the State of California you still should go to your local Notary Public in your State and follow the same steps when signing your Limited Power of Attorney.

8 RIGHT OF CANCELLATION Notice of Cancellation. I (we) are cancelling services with SHDP. I (we) understood the terms of the agreement and if entitled to a full or partial refund expect to receive that refund within 30 days of cancellation. Furthermore I (we) recognize that there may be some portion not refundable if cancellation occurs after the first 5 days of signing the contract for service, which includes the $ Administration fee, in addition to any erroneous, negative, or unverifiable item(s) removed from my (our) Credit Report per individual which cost $50.00 per item per Credit Bureau, which is a separate cost. Date: Date: Signature: Signature:

9 ATTACH COPY OF DRIVERS LICENSE OR STATE IDENTIFICATION CARD ATTACH COPY OF SOCIAL SECURITY CARD ATTACH COPY OF CURRENT UTILITY BILL OR CURRENT PAY CHECK STUBB IF ADDRESS IS DIFFERENT ON DRIVERS LICENSE OR IDENTIFICATION CARD

10 ACKNOWLEDGMENT State of California County of ) On before me, (insert name and title of the officer) personally appeared, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature Seal)