Notice Of Cancellation
You may cancel this contract, without any penalty or obligation, within 5 days from the date thecontract is signed.
To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, orany other written notice, to Credit Sage LLC, 1032 E Brandon Blvd Ste 1089, Brandon, FL33511, not later than midnight of the 5th day which begins after the date the contract is signedby you.
I hereby cancel this transaction.
Date:
Signature:
Credit Repair Contract, Electronic Signature, AndLimited Power Of Attorney
You have contracted Credit Sage LLC (“CS”) to provide credit bureau verification and/or dispute management services and credit score consulting.This is a month-to-month agreement. CS 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 anytime with no further obligation or charge.
In consideration of CS’s services you agree to the following:
- To provide CS with a recent credit report.
- To cooperate with CS in the review of your credit history and the identification of items to dispute and/or
- verify.
- To provide CS with copies of correspondence you receive from the credit bureaus and/or updated reports
- from time-to-time to update your progress.
- To pay CS a review/setup fee of $100 after initial work is complete.
- To pay CS a monthly fee of $99 at the end of each month of service.
- To grant CS permission to withdraw the specified fees from your credit card or bank account.
- To notify CS of any change of your name, address, or contact information.
It is understood that CS makes no promise(s) of any particular outcome whatsoever, and that you are not contracting CS based on any such promise(s) made.
It is understood that you have identified items that you wish for CS to 1) dispute information to fix inaccuracies or errors, and/or 2) verify information is valid, complete, verifiable, and reporting100% accurately.
Your review/setup fee includes an analysis of your credit reports, credit score recommendations appropriate to your needs, and preparation for the verification and/or dispute process. For the duration of the contract CS will systematically prepare and mail letters to the credit bureaus. All letters are mailed on your behalf and in your name. CS will provide ongoing notification of actions taken in your client portal during each billing period.
90 Day Guarantee
If our disputes have not corrected or resulted in removal of any potentially inaccurate information identified by you, give us a no-hassle call and we’ll refund you your total monthly
subscription fees (this does not include your initial review/setup fee). Guarantee is valid for 90 days starting on the day this contract is signed.
Cancellation Policy
You may cancel your contract with CS at anytime. Your quickest path to canceling is a friendly call with our live concierge (855) 777-6580. Unlike other companies, this process is not drawn out. Ever. In fact, it typically takes less than 2 minutes.
Our Contact Information
Credit Sage LLC
1032 E Brandon Blvd Ste 1089
Brandon, FL 33511
(855) 777-6580
Electronic Signature
By checking the box on our application form that states: "By checking this box I certify that I am at least 18 years of age, acknowledge that I have read the provided Contract, DisclosureStatement, Notice of Cancellation, and give my Electronic Signature and Limited Power ofAttorney for CS 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.
Limited Power Of Attorney
This is a Limited Power of Attorney providing CS with permission to represent you as your disclosed or undisclosed agent when writing, signing, and sending letters to the credit bureaus and other parties as deemed appropriate and in accordance with the purposes described in thisContract.
You may cancel your Electronic Signature and your Limited Power of Attorney at any time by sending CS an email stating that you retract your Electronic Signature. Without this ElectronicSignature and Limited Power of Attorney, CS is unable to represent you, and canceling it will terminate this Contract.
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.
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.
Our contract includes a Limited Power of Attorney providing Credit Sage with permission to represent you as your disclosed or undisclosed agent when writing, signing, and sending letters to the credit bureaus and other parties as deemed appropriate and in accordance with the purposes described in this Contract. You may cancel your Electronic Signature and your LimitedPower of Attorney at any time by sending Credit Sage an email stating that you retract yourElectronic Signature. Without this Electronic Signature and Limited Power of Attorney, CreditSage is unable to represent you, and canceling it will terminate this Contract.
Your review/setup initial work fee will be charged $100 after work is complete and a $99 monthly fee at the end of each month of service. This initial work includes an analysis of your credit reports, credit score recommendations appropriate to your needs, and preparation for the verification and/or dispute process. For the duration of the contract Credit Sage will systematically prepare and mail letters to the credit bureaus. All letters are mailed on your behalf and in your name. Credit Sage will provide ongoing notification of actions taken during each billing period.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. You have the right to sue a credit services organization if it misleads you. 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 five 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
Virginia Residents Notification
You have the right to proceed against our bond under the circumstances and in the manner set forth in the Virginia credit services organization law.
Our Virginia surety bond is through Travelers Casualty and Surety Company of America, OneTower Square, Hartford, CT 06183.
IMPORTANT NOTICE:YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES.
California Residents Notification
You have the right to proceed against our bond under the circumstances and in the manner set forth in the California credit services organization law.
Our California surety bond is through Lapre Scali & Company Ins, 8201 N Hayden Rd,Scottsdale, AZ 85258.
The maximum duration of this contract for California residents is six (6) months. At the end of this period your contract and service will automatically end. Should you desire to continue service beyond this period, we will furnish a new contract under the same terms.
