SHOWME CREDIT SOLUTIONS LLC CREDIT REPAIR CONTRACT, & LIMITED POWER OF ATTORNEY
First Work Fee: $199 ($299 if you sign up with your spouse)
Month-to Month agreement Subscription Fee for Credit Repair is charged 30 days later - $149 ($225 if you sign up with your spouse) Starting from today's date.
This agreement is made effective between: "the Client" and
ShowME Credit Solutions LLC
503 Hickory Post Dr
Wentzville, MO 63385
866-249-9796
www.smcsnow.com
Agent for service Info:
Justin Green
503 Hickory Post Dr
Wentzville, MO 63385
636-281-6243
SCOPE OF DUTIES:
You have contracted ShowME Credit Solutions, LLC ("SMCS") to provide credit bureau dispute management services and credit score consulting. This is a month-to-month agreement. Since this is a month to month contract there is no set time length this could take. Some customers are satisfied within 1 month and some in 3 months or more. You are not obligated for any length of time. You may cancel when you are satisfied. SMCS provides service on an incremental basis charging only after the initial review/setup and at the end of each month of service. You may cancel at any time with no further obligation. SMCS does not charge termination fees or penalties. SMCS shall perform two duties. The first duty SMCS shall perform is our First Work which is NOT FOR CREDIT REPAIR. The First Work includes making a list of all negative items on a clients credit profile, and request, to the extent permitted by 15 U.S.C § 1681b (e), that your name be removed from pre-approved credit card mailing lists. All consumers can opt out of pre-approved credit card offers, free of charge, by logging on to www.optoutprescreen.com or by calling 1-888- 5OPTOUT.
The second duty SMCS will perform is our CREDIT REPAIR monthly service program. The monthly service includes:
Writing and receiving letters to the credit bureaus, the client, and the client’s creditors as needed.
Making and receiving phone calls, emails, and faxes to the client, the credit bureaus, and the client’s creditors as needed.
SMCS shall periodically prepare challenges for items appearing on the customer's credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverified as per the Fair Credit Reporting Act as needed. These challenges may be sent to the credit bureaus and/or the client’s creditors as needed.
SMCS will periodically access the consumer’s credit profiles with credit bureaus and update the client’s file in our web tracking system with any changes as needed.
SMCS will assist and encourage the client in the re-establishment of credit as needed or warranted by their credit profile.
PAYMENTS:
Client shall pay SMCS a first work fee of $199 ($299 if you sign up with your spouse). The Client further agrees to render payment to SMCS for the monthly services described in the top section. The first monthly service fee is billed 30 days from the signing date of this agreement. Subsequent monthly service fees will be billed monthly on the same calendar date. If a scheduled payment is not satisfied, SMCS may, at its discretion, suspend any further work on the Client’s account. SMCS Warranty will be considered null and void in the event of any missed payments.
ACKNOWLEDGEMENT OF PROGRAM GUIDELINES:
Client understands that the first work fee set forth in section 1 is considered earned in its entirety after SMCS completes the work detailed in Section 1. Client also understands that the monthly fee is for work done during the previous month and the amount of work done from month to month may vary as is necessary
CLIENT’S OBLIGATION:
Client agrees he/she will promptly forward to SMCS all requested copies of communications from credit reporting agencies, creditors, and/or collection agencies within 5 days of receipt. In the event that the communication from credit reporting agencies, creditors, and / or collection agencies is lost or misplaced, Client is responsible for submitting an updated credit report to SMCS at Client’s expense. Client will respond to any telephonic or written inquires that might be directed to Client by SMCS. SMCS may suspend work on Client’s credit report until the documents are received. Client shall n
WARRANTY
For items we are retained to remove, ShowME Credit Solutions LLC, agrees to give a 100% refund of the credit repair fee to "the Client" if we do not improve "the Client’s” credit. "Improve" shall be defined as removing at least 25% of negative items we are hired to correct from the three major credit bureaus: Trans Union, Equifax, and Experian, within six months, from the date of the agreement. "The Client" must have paid us to have four (4) or more inaccurate negative items removed in order to qualify for this Warranty. "The Client" must mail an updated credit report from each of the three major credit bureaus: Trans Union, Equifax, and Experian, every forty-five (45) days for the warranty to apply. The warranty only applies to inaccurate items we are contracted to remove by "the Client". Any negative inaccurate items on the credit report added after we are retained may be included in the warranty at the discretion of ShowME Credit Solutions LLC.
ENTIRE AGREEMENT:
This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by both parties.
SEVERABILITY:
If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effect.
9. MISCELLANEOUS:
Client has read and understands SEC 405 of the Credit Repair Organizations Act, attached to this package.
• Client has read and understands this Agreement in its entirety.
• Client authorizes SMCS or its assignees to pull credit reports as needed.
• Neither the First Work Fee nor the monthly payments are a financial hardship.
• The Client believes that the below noted negative credit listings on their consumer credit reports are 100% accurate, timely, and/or verifiable and should NOT be worked on by SMCS.
• The Client understands that the credit listings noted below may not be disputed.
• The Client understands that SMCS will work on all other negative items not noted below. List items NOT to be worked on which are 100% accurate and verifiable under the Fair Credit Reporting Act:
You may email, mail, or contact us via telephone to inform us on any account you do NOT want to be worked on which are 100% accurate and verifiable under the
Fair Credit Reporting Act.
YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF FORM FOR AN EXPLANATION OF THIS RIGHT.
Non-Profit Credit Counseling Services Notification:
Consumers should be aware that non-profit credit counseling services are available which provide a range of financial and money management services. Additional information is available at the Federal Trade Commission website.
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 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 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 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.
Consumer Credit File Rights under State Law
RIGHT TO REVIEW YOUR FILE
The federal Fair Credit Reporting Act gives you the right to know what your credit file contains and the credit rating agency must provide someone to help you interpret the data. Sections 36a-695 to 36a-699, inclusive, of the Connecticut general statutes gives you the right to receive an actual copy of your credit report. You will be required to identify yourself to the credit rating agency and you may be charged a small fee. There is no fee, however, if you have been turned down for credit, employment or insurance because of information contained in a report within the preceding thirty days.
INCORRECT INFORMATION
If you notify the credit rating agency that you dispute the accuracy of information, the agency must reinvestigate and modify or remove inaccurate data. The credit rating agency may not charge any fee for this investigation or for modifying or removing inaccurate data. If reinvestigation does not resolve the dispute, you may enter a statement of one hundred words or less in your file, explaining why you dispute the accuracy of your record or file. This statement or a coded version of it must be included with all reports which the credit rating agency issues on you. If the error is corrected, the credit rating agency must notify any person who requested a report on you during the previous two years for employment purposes and the previous six months for any other purpose.
TIME LIMITS ON ADVERSE DATA
Most kinds of information in your file may be reported for a period of seven years. If you have declared personal bankruptcy, however, that fact may be reported for ten years. After seven or ten years, the information cannot be disclosed by a credit rating agency unless you are being investigated for a credit application of fifty thousand dollars or more, for an application to purchase life insurance of fifty thousand dollars or more, or for employment at an annual salary of twenty thousand dollars or more.
1st copy NOTICE OF RIGHT TO CANCEL
YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN THREE DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN TEN DAYS AFTER THE DATE OF RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS
CANCELLATION NOTICE, OR OTHER WRITTEN NOTICE TO:
ShowME Credit Solutions LLC
503 Hickory Post Dr.
Wentzville, MO 63385
You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use this notice by dating and signing below. If you cancel by mail or telegram, you must send the notice no later than midnight on the 3rd full business day following the date of your signed contract. If you send or deliver your written notice to cancel some other way, it must be delivered to the above address no later than that time.
I HEREBY CANCEL THIS TRANSACTION
Date: __________________
Signature of Client : __________________
Client Printed Name : __________________
2nd copy NOTICE OF RIGHT TO CANCEL
YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN THREE DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN TEN DAYS AFTER THE DATE OF RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS CANCELLATION NOTICE, OR OTHER WRITTEN NOTICE TO:
ShowME Credit Solutions LLC
503 Hickory Post Dr.
Wentzville, MO 63385
You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use this notice by dating and signing below. If you cancel by mail or telegram, you must send the notice no later than midnight on the 3rd full business day following the date of your signed contract. If you send or deliver your written notice to cancel some other way, it must be delivered to the above address no later than that time.
I HEREBY CANCEL THIS TRANSACTION
Date: __________________
Signature of Client : __________________
Client Printed Name : __________________
Authorization to Use Successful Results
You have my permission to use my successful results, comments, image and / or voice in ads, brochures, mail, and other promotions to market your services, provided that no personal information such as social security number, telephone, or account information is included. You may use my name, city, and state to identify me.
Payment Authorization
You agree to authorize ShowME Credit Solution LLC/Justin Green to charge my credit card account today in the amount of: $199 ($299 if you sign up with you spouse) for the first work fee, plus
In addition to the $199 ($299 if you sign up with your spouse) above; you also agree to authorize ShowME Credit Solutions LLC/Justin Green to begin charging my credit card account 30 days from today in the amount of:
$149 ($225 if you sign up with your spouse) per monthly on a no contract month-to-month recurring auto draft debit.
If one spouse completes or terminates the contract prior to the other spouse, the monthly fee for the remaining spouse will be $149.
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 Credit solution 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.
POWER OF ATTORNEY
PRINCIPAL AND ATTORNEY-IN-FACT
This is a Limited Power of Attorney providing SMCS with permission to represent you as your disclosed or undisclosed agent , to act for on your behalf in any lawful way with respect to the subjects indicated below.
Name: ShowME Credit SolutionsLLC
Address: 503 Hickory Post Dr, Wentzville, MO 63385
EFFECTIVE TIME
This Power of Attorney shall become effective immediately and shall continue to be effective for until I give written notice of cancellation to the address listed above.
POWERS OF ATTORNEY-IN-FACT
My attorney-in-fact shall have the power to act in my name, place and stead in any way which I myself could do with respect to the following matters to the extent permitted by law:
The power to: Act on my behalf and the power to submit letters on my behalf to all credit bureaus and receive documents that relate to my credit and credit history; that shall include credit reports, prior dealings with creditors and settlement offerings made by creditor. Authority is granted in matters relating to collections, moneys, financial and/or credit transactions.
My attorney-in-fact is empowered to take all further action, including the payment of expenditures and the preparation and execution of all documents, as the attorney-in-fact deems necessary or appropriate in order to fully effectuate these matters.
IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney on the date set forth below.
You may cancel your electronic authorization and your Limited Power of Attorney at any time by sending SMCS an e-mail stating that you retract your electronic authorization or by mailing us your request to the address stated above. Without this electronic authorization and Limited Power of Attorney, SMCS is unable to represent you, and canceling it will terminate this Agreement.
OUR CANCELLATION POLICY
Credit card Solution allows you to cancel this agreement at any time, with no further obligation, and without restriction, regardless of the language included in the following required notices.
RIGHT OF CANCELLATION
You may cancel this Agreement without penalty or obligation at any time before midnight on the 3rd business day following the date on which you signed this agreement. See the attached Notice of Cancellation form for an explanation of this right.
