While some think that the fee charged may be large, when you consider the hours we put into the studying, working, disputing and the length of time your contract remains in effect, we are making less than $55.00 a month working on you. $650 a year is a bargain when I have seen them as high as $1600 per person on a one time basis. Would you work for that? NO!! Most people can work on their credit for free, and some try and end up worse then when they started, the only difference is what you know and what we know. Most people would rather rely on us and our knowledge to help them get a fast start and to get their scores moving quickly.
If you are interested in getting signed up immediately, you can print the information on this page and send it too me along with the payment for the services and we will get started on you immediately. You can recieve a free copy of your credit at www.annualcreditreport.com
Payment can be made thru PayPal where you can use credit cards, debit cards, checking. My email address for them is email@example.com
. Send me an email and I can invoice you making the process easier.
WILLIAMS CREDIT RESOURCE
119 E. Main
West Frankfort, IL 62896
618-937-3124 / Fax: 618-937-3693
I. Payment terms for services
A. $450.00 total at day of contract signing or 2 people sign up at $800.00
Thats a savings of 100.00 if you get someone to come with you.
**Discount only when sign up at same time and pay in full.
B. $250.00 at signing and $250.00 due in 30 days for total of $500.00
2 people at one time on payments is $500.00 down and $500 in 30 days.
Please note: if you are making payments and payment not received when due, contract will be on hold until all money received.
II. Detailed description of what we perform
A. We will evaluate customers current credit reports and advise customer as to the steps to be taken on the part of customer to help identify any inaccurate, erroneous, or obsolete information contained in their credit report.
B. We will prepare all documents in which the customer disputes inaccurate, erroneous, or obsolete information in credit report.
C. Customer understands that the services they are paying for include: letters, stamps, envelopes, paper, ink, copies, meetings/questions and secretarial duties we perform monthly, up to 1 year. We do not charge for the credit repair/correction itself.
III. Length of service/Guarantees
A. This agreement starts on ___________________, 20________, and is for a term of 1 year or any time prior to that customer is satisfied with their results.
B. We do not offer a guarantee on this service, as you are paying for secretarial work done on your behalf. If you are not satisfied, talk to us and we’ll see what we can do to help.
C. Customer understands that the results obtained by Williams Credit Resource on behalf of customer are dependent on numerous factors, including, but not limited to Customer's ability to repay debts and loans, co-operation of Customer's Creditors, and Credit Reporting Agencies ability to verify information provided to them by William's Credit Resource on behalf of the Customer.
D. Customer understands that accurate information may not be removed unless it is listed beyond a lawful period of time.
E. Customer understands that it is their responsibility to return all information to Williams that they receive from creditors, TIME IS OF THE ESSENCE: If you do not get this information to us your file will go dorment/after 6 months your file is closed and nothing will happen. We cannot continue working on your credit if we do not receive the updates. It is your responsibility to stay in touch with us, we have too many clients to constantly follow up on those that are not staying in touch.
IV. CUSTOMER AGREES TO THE FOLLOWING:
A. To provide Williams Credit Resource with a copy of ALL Correspondences received from the credit reporting agencies relating to credit report entries which are the subjects challenged by Williams Credit Resource for verification of accuracy.
B. This includes all items such as: No record on file, letters on already verified, creditor lists & etc. You may also receive a letter about Credit Repair Organizations doing for you what you can do for yourself. Credit Repair Organizations are perfectly legal and follow the law for credit repair. We do not make false claims, we can show you results from previous items we were able to help with, we do not ask you to change your identity, and we do not ask you to lie about your credit now or in the future.
C. You agree to notify us within 60 days if you have not received any correspondence from the Credit Reporting Agencies. A dispute generally takes 30 to 45 days, so mark your calendar monthly for reminders, give or take a couple days for dispute to be made and mail service.
D. You should not contact the Credit Bureaus directly. You have asked that we handle this service for you and if you feel you need to talk with them, call us in advance. Customers have been known to reset some of the work we have accomplished.
F. It is best not to apply for credit while this process is going on. If you would like to ask our opinion of when you think it would be best, we will be glad to try to answer this for you. Inquiries will bring down your credit report score. If you have applied for a loan and would like us to be in contact with your lender or realtor, just let us know.
G. Do not call the office and begin talking to the real estate agents in the office on what is happening. The agents have nothing to do with the credit and cannot answer your questions. Please ask for someone associated with the credit company.
V. GETTING THE INFORMATION TO US:
A. In person at: 119 E. Main, West Frankfort, IL 62896
B. In the mail to Williams Credit Resource, PO Box 61, West Frankfort, IL 62896
C. By Fax at: 618-937-3693
D. Email to firstname.lastname@example.org
F. there is a mailbox in back of building that we check on daily basis for after hours drop offs.
|Attachments: 3 day notice to cancel; consumer credit file rights under state and federal law, limited power of attorney, and authorization to credit bureaus to mail you a credit report.
I have read all parts to this agreement and sign this __________ day of __________, 20_______.
Customer signature Agent signature
WILLIAMS Credit Resource
119 E. Main
West Frankfort, IL
Limited Power of Attorney
Be it known that I, the undersigned, am the individual/authorized officer of the business/personal entity listed below and as such do hereby grant a Limited Power of Attorney to WILLIAMS Credit Resource, and any and all persons in their employ, shall have the necessary power and authority to undertake and perform the following on my behalf.
I hereby give permission to Williams Credit Resource to sign my name on all documents written on my behalf for the purpose of disputing inaccurate, erroneous, and obsolete credit information held on my report by consumer reporting agencies. This "Limited Power of Attorney" is given to Credit Repair Resource in compliance with Section 611 of the Federal Fair Credit Reporting Act.
Client Name: ________________________________________
Social Security Number:_______________________
Date of Birth:________________________________
Home phone:________________Work phone:________________
Client has signed in the presence of this witness whose signature appears below:
Consumer Notice of Cancellation
You may cancel this transaction, without any penalty or obligation, within 3 (three) business days from the date this contract is signed.
____________________ date signed
If you cancel, any property and any payments made by you under this contract, shall be returned within 30 days following receipt of your cancellation notice.
To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice to
Williams Credit Resource
PO Box 6I
II9 E. Main St.
West Frankfort, IL 62896
not later than midnight of __________________________ (date 3 business days after date of transaction).
I Hereby Cancel This Transaction.
Customer's Printed Name Customers Signature
(only sign if you are canceling the contract)
I have signed contract with attached cancellation on ___________________, 2006
Customer signs upon signing contract to show they acknowledge this info
statement must be attached to all contracts and acknowledged before contract signed.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "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 for I0 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 violates 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 the 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 in 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, DC 20580
Customers Name Printed Customers Signature
The undersigned hereby certifies that they have read the foregoing and has been provided a copy hereof on the date set forth.