APPROVED CREDIT GROUP Valley Blvd. City of Industry, CA & 4908 Peck Rd. El Monte, CA 91732

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Ralf McKenzie
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2 Confirmation of Agreement I agree to pay ACG the amount mentioned here as an administrative client set up fee. The administrative client set up fee is considered earned by ACG and non refundable as soon as re, and this confirmation agreement; and obtaining the administrative client set up fee. A performance fee of $10.00 per deleted or corrected inaccuracy or misrepresented item, per bureau, will be invoiced to client by ACG and due no later than one week after results are obtained and/or reflected on ACG will serve client for credit related services for a period no longer and no shorter than 6 subsequent months after the date this contract is signed. Services performed include credit analysis and consultation, electronic and manual file set up, investigations, filing disputes with the three credit bureaus of said fraudulently or inaccurately reported items, correspondence with state or federal offices, negotiation and arbitration of unpaid collections. The client gives ACG permission to act as their representative in any legal or dispute proceedings and/or represent client on documentation. ACG will perform said work within 5 business days of receiving all required and relevant paperwork. Client must provide ACG information and documentation to ensure ACG is able to perform the services and duties as mentioned above. Client agrees to promptly forward to ACG all requested documents, information and reports. Client also agrees to promptly respond to telephonic and written requests by ACG. If the client fails to provide ACG any of the documents, information and/or reports, ACG information and/or reports are received. Client will not be entitled to a refund of any fees paid to ACG that have been earned as laid out in this agreement. ACG will assist client in obtaining copies of the three credit reports from Experian, Trans Union, and Equifax. Client must follow instructions of requesting by mail, ordering by telephone or printing said reports from the internet. The client must send original copies of all three reports and any correspondence from that point on to Page 1 of 2

3 Confirmation of Agreement (cont.) the agent who is handling his/her case. ACG shall provide client three Dispute Forms to assist the client in listing the item(s) that he/she wishes to be addressed or eliminated. Client shall provide a listing of help information on why this/these items(s) should not be appearing on the report(s). ACG riod of 6 months (180 calendar days) from the date of this agreement. Client will only be responsible for earned fees such as administrative client set up fee and performance fees as they are earned and will be entitled to a refund of the administrative fee only if no changes and/or updates are made to the If the client fails to make any payments as agreed, for any reason, client is subject to suspension of account and as a result ACG made. ACG services will be deemed to have begun at the time ACG via mail/ /fax/in person for delivery to client. If this agreement is not signed and returned to ACG by client, client will nevertheless be obligated to pay the reasonable value of any services ACG Acceptance of this agreement also constitutes formal interest in mortgage related services at the present time or in the future. I have read and understand my rights and ACG procedures. I have also received a copy of said rights and a copy of this agreement. I also agree to pay the amount of to ACG for the above mentioned and services rendered. Client Name Client Signature Date Page 2 of 2

4 Frequently Asked Questions Q: How can bad credit be repaired? A: Good Credit Repair comprises a whole range of approaches, many credit bureaus. There are several governing agencies (which do not include the three major credit bureaus) that govern what can be reported on your credit report. There are also several guidelines, statues of limitations, etc. that are put in place to protect the consumers from erroneous misreporting. Q: How long does credit repair take? A: The length of time to repair credit depends on the credit report itself. There may be few or many things that need to be removed. Our program is a 6 month program and covers unlimited disputes for the entire 6 month program. Q: What types of derogatory can be disputed with your company? A: We can dispute: late payments, collection accounts, charge-offs, foreclosures, bankruptcies, liens, and repossessions. We also take off inquiries. Q: Will the removed items be re-reported onto my credit report? A: The chances are extremely low that an item will reappear on your report. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted item. The FCRA also makes it more difficult for credit bureaus to re-report the listings. Because of these factors, it is fairly rare for listings to come back on once they have deleted. Q: How long before I start seeing my credit score go up? A: Depending on the types of items you dispute and in what order and time frame they come off; you could see your score go up immediately at least a couple points to a couple hundred points. The situations vary depending on your unique report. For example, if you recently had a late payment reported on your credit report and we get it deleted, your score can jump 50 or more points. The bottom line is credit repair is a process, but results are seen quickly. Page 1 of 2

5 Frequently Asked Questions (cont.) Q: How long to completely fix my credit? A: Every situation is unique, as credit reports for each individual are completely different. Our service will cover you for 6 months. We will dispute as many items as needed during that timeframe and you will see the bulk of your items or all, depending on how many items need to be disputed, come off during that time frame. Q: What does the fee cover? A: The fee as laid out in our contract is an administrative client set-up fee. This covers our costs per file to set you as a client and begin the disputing process. It also covers our administrative expenses for the first 6 months. Our costs include ink, postage, paper, labor, supplies, credit pulling, contracts, etc. Q: Are there any other hidden fees after signing up with your company? A: After signing up and becoming a client the only other fees involved are our performance fees. Performance fees are only invoiced to our clients once results have already been obtained and confirmed. Our performance fees are $10.00 per item per bureau. We never ask our clients to provide a credit card to charge at our discretion, nor do we ever charge hidden fees. All of our fees are laid out exactly as charged in our contracts. Page 2 of 2

6 The Process Step 1: The first step is to let the APPROVED CREDIT GROUP analyze your credit report and provide you with a FREE CONSULTATION. Step 2: Once your credit report analysis is complete, we will provide our report assessment and answer any follow-up questions you may have. To enroll, all we need is your completed Confirmation of Agreement, Disclosures, Application and required identification documents, such as copies of. MAIL TO: ATTN SHUNNIL OR ITZEL (14736 VALLEY BLVD. CITY OF INDUSTRY, CA 91746) Upon receipt of your contract and identification documents we will complete your account setup and then charge you for the administrative client set up fee. MAKE ALL CHECKS PAYABLE TO: APPROVED CREDIT GROUP We will then immediately begin the first cycle of disputes and verification. Step 3: You will receive updated credit reports by mail containing the investigation results within approximately 45 days. Forward them to us as soon as possible. Upon receipt of your updated credit reports, we will evaluate the results. We will invoice you for any successful deletions or corrections (performance fees**). Once payment is made, we will immediately begin the next cycle, you will receive updated credit reports, reflecting results, from each cycle. You must send your updated credit reports by mail/ to address above immediately upon receipt. Do not delay, it is vital that we receive them as soon as possible, to keep the pressure on and obtain optimal results. Page 1 of 2

7 The Process (cont.) This program is for 6 months. We provide our client's with excellent results, therefore; have not received one complaint. Our client's have been very satisfied and continue to refer their family and friends. We are very confident you will be satisfied too! Features and Benefits of our program: Unlimited Credit Bureau & Creditor Disputes. Results in as little as 2 Months; Program Completed in 6 Months. Have collections removed without paying to Settle Out. You only pay a performance fee after an account is deleted or corrected. Attorney Developed Program That Follows FTC & CROA Regulations. 10 Years Experience - We Have Helped 1000's of Satisfied Clients. Keep in mind; credit files and credit scores are in a continuous state of change based on actions you take, actions your creditors take, and actions the APPROVED CREDIT GROUP takes as part of the verification service. Due to these reasons, there can be no absolute guarantee that the verification process will result in a certain outcome. Performance Fee:** $10.00 per deletion or correction. Invoiced after results are achieved. **All performance fees are per client, per credit bureau. Page 2 of 2

RESCORE EXPRESS SERVICES

RESCORE EXPRESS SERVICES Thank you for your recent inquiry regarding our Rescore Express service. Rescore Express is an expedited process of correction of dispute, through which Advantage Credit will attempt,