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Credit Repair Service Agreement

I hereby enter into the following agreement with InquiryRemoval.io.

InquiryRemoval.io hereby agrees to perform the following:

  1. To evaluate Customer's current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer's credit reports.
  2. To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer's credit reports.
  3. To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion.  Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

Authorization for Credit Repair Action

1.  I, {CLIENT}, hereafter known as \"client\" hereby authorize, InquiryRemoval.io, 99 Wall St. Suite 885, Newyork, NY. 10005 to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments in writing of whatever and nature shall only be effective for any or all of the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be necessary or proper in the exercise of the rights and powers herein granted.

2. This authorization may be revoked by the undersigned at any time by giving written notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire twelve months from the date of signature.

3. The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.

4. I grant to InquiryRemoval.io, 99 Wall St. Suite 885, New York, NY. 10005  authority to do, take, and perform, all acts and things whatsoever requisite, proper, or necessary to be done, in the exercise of repairing my credit with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally present.

5. I hereby release InquiryRemoval.io, 99 Wall St. Suite 885, New York, NY. 10005  from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.

6. By signing our authorization agreement, you are agreeing to our fees as outlined in the package you select. All clients who pay by credit or debit card will receive email notification of payment received and recurring billing charges are from First Coast Premier Matchmakers. There will be a $20 decline fee charged to any client whose credit or debit card declines. All accounts in default status will be sent to collections due to non payment and will have the balance of the contract due listed.

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 a 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 up to 10 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 violated 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 that 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 is 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, D.C. 20580.  

Notice of Right to Cancel

This is a one-time service and not a contract. You have up to 2 hours to cancel once you place your order.

Acknowledgment of Receipt of Notice

I, {CLIENT NAME},  hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm

IMPORTANT DISCLOSURES:

By using your Credit Card or Bank Account, via PayPal or otherwise, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer or Bank until you have sequentially completed the three step process below:

First: Attempt first to settle the dispute by online mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. This can be done here: https://apps.adr.org/webfile/
Second: Submit a claim to be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by a single arbitrator may be entered in any court having jurisdiction thereof. This can be done here: https://www.adr.org/webfile/faces/home

If you initiate a Dispute/Chargeback and/or Surety Bond Claim without sequentially completing the two step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and/or Surety Bonding Relationship and that 200% of the Full Amount of the Disputed Transaction(s) will become immediately due and payable to us as Liquidated Damages. If you then fail to pay the Liquidated Damages owed within 14 Calendar Days, your Account will be turned over to Collections and immediately reported to all 3 Credit Bureaus as a Collection Account.

CREDIT MONITORING AUTHORIZATION:

You hereby authorize us to pull a 3-Bureau Credit Report with Scores 14 Days after each Round of Disputes, so we can see the Results of the work done, using the Credit Monitoring Account you provide to us. This may be Free or may have a $24.95 Cost, depending on when the Report is requested.

ITEMS REQUIRED TO START WORK:
Work on your File will start once we receive your Driver's License, Social Security Card, Utility Bill, and Credit Monitoring Login. Please email these items to Admin@InquiryRemoval.io. You understand that there shall be no Refunds nor Partial Credits due to your delay in providing these items.

REFUND POLICY

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Our refund policy lasts for 45 days. If you DO NOT see results within 45 days, a FULL Refund will be issued, no questions asked. To be eligible for a return, an updated copy of your credit report must show that the inquiries/negative items haven't been removed. This has to be done before 45 days! If your credit report shows that all the inquiries still remain on your credit report, a FULL Refund will be issued. If your order is partially completed, we will issue a partial refund on what wasn't completed. The 45 days will start the day after you send us all required documents. The 45 days INCLUDES weekends! All refunds can be completed by phone or through e-mail; (917) 719-5824 , admin@inquiryremoval.io , To complete your return, we require a receipt or proof of purchase. Please contact us if you have any questions regarding our Refund Policy! 

ALL DOCUMENTS WILL BE DESTROYED AFTER 48 HOURS! WE DO NOT HOLD ON TO YOUR DOCUMENTS UNDER ANY CIRCUMSTANCE.