Credit Repair Services Agreement

1.  Full and Detailed Description of Services

The Organization will perform the following services on the Consumer’s behalf under the Fair Credit Reporting Act, the Metro 2^® reporting format, and applicable law:

• Obtain and review the Consumer’s credit reports from the three nationwide credit bureaus (Equifax, Experian, and TransUnion).
• Audit each tradeline and public record against the Metro 2^® data standard to identify information that appears inaccurate, incomplete, unverifiable, or obsolete.
• Prepare, mail, and track dispute and reinvestigation requests to the credit bureaus and, where appropriate, to the furnishers of the information.
• Document the outcome of each dispute round and provide the Consumer with before-and-after reporting so that every change is verifiable.

Estimated time to perform: Dispute rounds follow the credit bureaus’ statutory reinvestigation cycle of approximately 30–45 days each. The Organization estimates that the services described above will be performed over a period of approximately   (e.g., days / months), continuing round-to-round until the engagement is completed or cancelled.

2.  Terms and Conditions of Payment

No fees payable to the Organization. The Organization charges the Consumer $0 — no advance fee, no signup fee, and no fee for auditing, disputing, mailing, or results. The only amount the Consumer pays in connection with these services is a third-party credit-monitoring subscription, disclosed below because it is a payment “to any other person” under 15 U.S.C. § 1679d(b)(1).

The MyFreeScoreNow subscription is optional to keep and is controlled entirely by the Consumer, who may cancel it directly with MyFreeScoreNow at any time. ScoreBoost receives none of this payment except any disclosed referral arrangement, if applicable. The amounts stated above are the total of all payments the Consumer will make to the Organization or to any other person in connection with the services under this Agreement.

3.  Consumer Acknowledgments

• The Consumer may dispute inaccurate information directly with the credit bureaus, on the Consumer’s own, at no charge, without hiring the Organization.
• Neither the Consumer nor the Organization has the right to have accurate, current, and verifiable information removed from a credit report.
• The Organization has made no representation, guarantee, or promise about any particular outcome or credit score.
• The Consumer received the separate written statement “Consumer Credit File Rights Under State and Federal Law” before signing this Agreement (reproduced in Attachment A).

4.  Virginia Addendum

Registered agent. The Organization’s registered agent in the Commonwealth of Virginia, authorized to receive service of process (Va. Code § 59.1-335.8(A)(4)):   at  .

Right to proceed against the bond. Virginia law (Va. Code § 59.1-335.4) requires a credit services business to file and maintain a surety bond or letter of credit with the Commissioner of Agriculture and Consumer Services before entering into consumer contracts, and gives the Consumer the right to proceed against that bond or letter of credit for actual damages caused by any violation of the Virginia Credit Services Businesses Act. Surety company (or issuing bank) name and address:  .

Adverse information the Organization expects to have modified (Va. Code § 59.1-335.8(A)(3)):