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Herein after referred to as "Client", agrees as follows:

• Consultant will analyze and investigate Client's personal credit reports.
• Consultant will prepare all the necessary correspondence for clarification of certain derogatory information, which may be contained in a client's credit report.
• Client is aware that all derogatory items after a specific period of time must automatically be removed. Bankruptcies are ten years from the filing date. All others are seven years from the date of last activity.
• Client is aware that there are non-profit credit counseling services available to him/her, and to check local listings.
• Client further agrees to provide the consultant with a copy of all correspondence received by the client as a result of the consultant's efforts and/or processing.
• Client is responsible for all debts owed to creditors.
• If you, the Client, have been denied credit within the last sixty days, you may obtain a free copy of the consumer credit report from the consumer credit reporting agencies. You also have the right to dispute inaccurate information in a report. You may cancel this contract at any time before midnight of the third business day after the date you sign it. See the attached notice of cancellation form for an explanation of this right.
• You may also obtain a free credit report once each year as permitted by the FACT Act at: www.annualcreditreport.com
• Client understands the Consultant is being paid to send letters to the credit bureaus on client's behalf and payment is expected once this is done.
• Consultant, at his/her discretion, may keep for his/her records all correspondence and material used and produced by him/her.
• Client agrees that this constitutes their entire agreement and understands the consultant merely sends out letters and faxes.
• Consultant will send letters to the credit bureaus by utilizing methods in the Fair Credit Reporting Act of 1970, Section 611(a). However, the Consultant does not promise that any particular standard of improvement can be attained. This agreement will remain in effect only if you abide by the following:
  • Have no checks returned from your bank for any reason.
  • Mail all correspondence you receive from the credit bureaus (Equifax, Experian and Transunion) promptly to Credit Repair Today upon receipt.
• There is a $20 fee for all returned checks! All returned checks must be replaced with cash or cashier's check within 24 hours.

CUSTOMER AGREES TO:

1. Provide CRT with personal credit information, credit bureau reports, and/or authorizes CRT or its designee to obtain credit reports on customers behalf.
2. Immediately notify CRT of any changes of address.
3. Identify in writing any accurate negative information which you believe to be true, so that we can be sure not to dispute such item(s) as per the Fair Credit Reporting Act of 1970.
4. Immediately forward all correspondence received from the credit reporting agencies to CRT/CRT Gateway^TM or its designated agent, and to notify CRT/CRT Gateway^TM if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence from CRT.

CUSTOMER PRICING AND PAYMENT OPTIONS:

The cost for our service is $630.00 for an Individual Consultation and ordering of all 3 Credit Bureaus plus a $45.00 processing fee totaling $675.00.

The cost for a Couple is $855.00 for a Consultation and ordering of all 3 Credit Bureaus plus a $95.00 processing fee totaling $950.00.

All Credit Repair will then be done Free of Charge. Amount will be deposited into an escrow account with Fifth-Third Bank, Tampa, Florida, until services are rendered. Customer acknowledges that they have the right to verify the escrow account by contacting CRT.

Our service is valid for One Full Year from date of enrollment.

• Individual: $135 down plus 6 payments of $99 per month.
• Couple: $175 down plus 6 payments of $139 per month

If you choose this option we will only access the initial down payment today and the remaining payments will begin the following month for each month thereafter as designated. And yes, we get started with your credit repair process immediately!

Or you can receive a discount for paying in full!

MONEY BACK GUARANTEE:

Upon completion of 12 months of our service you can request an evaluation audit of your account. We will then total the completed value of all successfully deleted/corrected items and compare that amount to what you have paid. By using the fair market value of today's standards, we will calculate a refund prorated based on the number of deletions/corrections at $40.00/each. If what you have paid is more than the value of the deleted/corrected items we will refund you the difference.

I (We) agree to authorize this request, and understand that it may result in an inquiry on my credit report(s). In addition I also grant a limited Power of Attorney to Credit Repair Today for the following: Request credit reports on my (our) behalf, challenge and verify various information on my credit reports, and contact and confer with creditors on my behalf , as needed. Additionally, I understand this process may require my signature on the letters sent to the Credit Bureaus, which I fully authorize Credit Repair Today to sign on my behalf. I also understand that the process may take, by nature of the FCRA, 30-90 days, but no more than 1 year, of which there will be no charges above and beyond the initial fees of $595 (single), or $895 (couple), regardless of the additional work necessary to insure maximum results.

"Notice of Cancellation" You may cancel this contract, without any penalty or obligation, within three business days after the date the contract is signed. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or other written notice to: Credit Repair Today , 4142 Mariner Blvd., #508, Spring Hill, Florida, 34609, not later than midnight three (3) business days from the date of this contract.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus that gather and sell information about your creditworthiness to creditors, employers, landlords, and other businesses. The FCRA gives you specific rights, which are summarized below. You may have additional rights under state law. For more information, go to www.ftc.gov/credit, or write to:
Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment - or take another adverse action against you � must tell you and give you the name, address, and phone number of the agency that provided the information.

You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You will be asked to provide proper identification, which may include your Social Security number. In many cases the report will be free. You are entitled to free reports if a person has taken adverse action against you because of information in a report; if you are the victim of identify theft; if you are the victim of fraud; if you are on public assistance; or if you are unemployed but expect to apply for employment within 60 days. In addition, you are entitled to one free report every twelve months from each of the nationwide credit bureaus and from some specialized consumer reporting agencies. See www.ftc.gov/credit for details about how to obtain your free report.

You have a right to know your credit score. Credit scores are numerical summaries of a consumer's creditworthiness based on information from consumer reports. For a fee, you may get your credit score. For more information, click on www.ftc.gov/credit. In some mortgage transactions, you will get credit score information without charge.

You can dispute inaccurate information with the consumer reporting agency. If you tell a consumer reporting agency that your file has inaccurate information, the agency must take certain steps to investigate unless your dispute is frivolous. For an explanation of dispute procedures, go to www.ftc.gov/credit.

Inaccurate information must be corrected or deleted. A consumer reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer reporting agency may continue to report negative data that it verifies as being accurate.

Outdated negative information may not be reported. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.

Identity theft victims and active duty military personnel have additional rights. Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file "active duty" alerts to help prevent identity theft. For more information, visit www.ftc.gov/credit.

Your consent is required for reports that are provided to employers. A consumer reporting agency may not give out information about you to your employer, or potential employer, without your written consent. Blanket consent may be given at the time of employment or later.

You may choose to remove your name from consumer reporting agency lists for unsolicited credit and insurance offers. These offers must include a toll-free phone number you can call if you choose to take your name and address off lists in the future. You may opt-out at the major credit bureaus by calling 1-800-XXXXXXX.

You may seek damages from violators. If a consumer reporting agency, a user of consumer reports, or, in some cases, a furnisher of information to a consumer reporting agency violates the FCRA, you may sue them in state or federal court. The FCRA gives several federal agencies authority to enforce the FCRA:

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TO COMPLAIN AND FOR INFORMATION PLEASE CONTACT:
Consumer reporting agencies, creditors and others not listed below

Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4367 (Toll-Free)

National banks, federal branches/agencies of foreign banks
(word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743

Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693

Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision
Consumer Programs
Washington, DC 20552 800-842-6929

Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-518-6360

State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Division of Compliance & Consumer Affairs
Washington, DC 20429 800-934-FDIC

Air, surface, or rail common carriers regulated by former Civil
Aeronautics Board or Interstate Commerce Commission
Department of Transportation
Office of Financial Management
Washington, DC 20590 202-366-1306

Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051

NOTE: State Law of Florida provides 5 days after signing your contract for you to cancel your contract with Credit Repair Today. We do not have a restriction on cancellation and you may cancel your service with our company at any time.