This agreement or contract is not binding and enforceable until received and accepted by Freedom Restoration Credit Services at its home office in Cedar Hill, Texas. This writing is the full and complete agreement between FRCS and the customer and shall not be orally amended. Processing will be handled by FRCS or its approved affiliates. Customer Agrees To: Provide FRCS with personal credit information, credit bureau reports, and/or authorizes FRCS or its designee to obtain credit reports on customer’s behalf. Immediately notify FRCS of any change of address or phone number Identify in writing any accurate negative information in which you believe to be true, so that we can be sure not to dispute such item / items as per Fair Credit Reporting Act. Immediately forward all correspondence received from the reporting agencies to FRCS or its designated agent, and to notify FRCS if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence from FRCS. Services To Be Performed by Freedom Restoration Credit Services During the evaluation and initial challenge process, FRCS will review all credit information provided by the customer; prepare letters, changing 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. FRCS will submit transmittals of challenge letters, within 10 to 14 business days to receipt of credit information from customer, after which, these evaluation/initial challenge services shall have been fully performed FRCS will follow-up and review all correspondence received by the customer from the credit reporting agencies in preparation of follow-up challenges as per the Fair Credit Reporting Act . Follow-up services will be fully performed by guarantee concerning improvement of the customer’s credit history . Should FRCS be unable to improve a customer’s credit profile, the customer shall be entitled to a refund subject to processing fee. Any questions concerning your personal credit profile may be answered by contacting FRCS at this number: 972-291-8451 Limited Power of Attorney I do herby grant a Limited Power of Attorney to Freedom Restoration Credit Services and any and all persons in their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax/CSC Services, Experian, and Trans-Union. I have received a copy of the Consumer Credit File Rights Under State and Federal Law. Privacy Disclosure Notice* I / We have read the privacy notice Consumer Credit File Rights Under State and Federal Law You have the 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 verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is 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 rental dwelling because of information in your credit report within the proceeding 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. Credit bureaus are required to follow reasonable procedures to insure 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 a 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 keep in your file, explaining why you thing the record is inaccurate. The credit bureau must include a summary about disputed information and 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. Customer Acceptance & Acknowledgement of Credit Restoration Services For quality and legal purposes it is necessary for Freedom Restoration, Credit Services to have each of the below items to confirm that they received all of the following information. It is very important that our clients receive, read and understand all information provided to them by FRCS and it’s representatives.* Customer Agreement Services to be performed Consumer Credit File Rights Under State and Federal Law Limited Power of Attorney Private Disclosure Notice Notice of Cancellation Notice of Cancellation You may cancel this contract, without penalty or obligation, at any time prior to midnight of the third business day after the date the contract is signed. If you cancel, any payment placed in escrow by Freedom Restoration Credit Services will be returned within 10 days following receipt of your cancellation notice. To cancel this contract, fax or email your request to cancel to firstname.lastname@example.org. Freedom Restoration Credit Services P.O. BOX 2977 Cedar Hill, TX75106-2977 Fax: 1-800-319-4641Applicant InformationReferred By*Applicant Full Name*Social Security #*Date of Birth* Mailing Address*City*State*Zip Code*Home Phone*Work Phone*Cell Phone*Email* * Applicant one-time payment of $595.00 (90 Day Program Completion) With Co-Applicant one-time payment of $1095.00 (90 Day Program) Applicant $175.00 down and 6 payments of $90.00 (6 month plan) With Co-Applicant $350.00 down and 6 payments of $150.00 (6 month plan) Applicant $200.00 down and 9 payments of $65.00 (9 month plan) With Co-Applicant $400.00 down and 9 payments of $100.00 (9 month plan) “Keep It Clean Program” (for prior clients only) $200.00 flat fee Co-Applicant InformationCo-Applicant Full Name*Social Security #*Date of Birth* Mailing Address*City*State*Zip Code*Home Phone*Work Phone*Cell Phone*Email* Account InformationCredit Card Type*American ExpressVISAMASTERCARDDISCOVERCredit Card Name*Card Number*Expiration Month*JanFebMarAprMayJunJulAugSepOctNovDecExpiration Year*2015201620172018201920202021202220232024Security Code*Address the Card was Issued To:Address* Street Address City State / Province / Region ZIP / Postal Code FRCS has permission to debit my account on the*day of every monthBy choosing the above payment option you understood that there is an initial (set up /consultation fee) that contracted monthly payments will be automatically deducted from your account on the agreed upon monthly date for the terms amount you have chosen. You also understand and agree that any NSF or declined charge to your account will result in a $25.00 late/NSF charge. If amount is not paid within 10 days will subject your contract for termination. A $100.00 termination reinstatement fee will be owed and payable to resume working on your files. You agree to pay a minimum contract amount of $400.00 for applicant only contracts and $800.00 with co-applicant contracts.* FREEDOM RESTORATION CREDIT SERVICES HAS PERMISSION TO PROCESS THE PAYMENT AS COMPENSATION FOR PERFORMING MY / OUR RESTORATION PROGRAM I / WE HAVE A FULL UNDERSTANDING OF MY / OUR RIGHTS AND OUR RESPONSIBILITIES I / WE ACKNOWLEDGED BY TYPING MY / OUR NAME(S), BELOW WE AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT Applicant:*Date* Co-Applicant:Date This iframe contains the logic required to handle Ajax powered Gravity Forms.