Terms and Conditions

I. This agreement is expressly for membership services for duration of 60 calendar days. If Client has more than 10 items for removal on their credit file, then service is for 90 days.

II. This membership agreement is expressly for the educational and scientific purposes for assisting the client to understand the intricate workings for the credit and lending system, and helping them to achieve a debt and burden free lifestyle, and assisting them in the improvement of their reputation and image, and assistance and education for the client in developing a better understanding of financial credit system with assistance for victims of identity theft.

III. This membership is only open to those person(s) who are victims of identity theft.

IV. This service will consist of counseling, assistance, education, and providing information on hot to recover from and protect against online and electronic identity theft.

V. Select membership packages provide assistance to clients who seek the support of Servicer to recover their financial reputation from adverse affects of identity theft. 

VI. Client is responsible for producing all required documentation requested by Servicer, Client is responsible for all claims, allegations, and statements in conjunction with their claim of identity theft.

VII. Servicer will assist Client with removal of wrongful negative items reported on Client’s credit report which the Client claims resulted from identity theft.

VIII. Client must comply with all requests for production of documentation in a timely manner so that Servicer may complete its contractual obligations to Client.

IX. Client indemnifies and holds harmless Servicer, tis officers, employees, agents, representative, and contractors for any financial or legal injury as a result of Servicer’s assistance.

X. Client expressly states that all statements made orally or written are those of the Client and do not reflect any ideas, suggestions, motives, encouragement, or recommendations of Servicer.

XI. In the event of a material breach or disagreement by either party it is hereby agreed that any matter of disagreement or breach shall come before arbitration in Wayne, Delaware County, Radnor Township, Pennsylvania.

XII. Client expressly agrees to hereby officially waive his/her/their rights to litigation or civil action against Servicer, its officers, employees, agents, representative, and contractors for any breach or financial or legal injury.

XIII. Client agrees that the arbiter must approved by Servicer and Client agrees that all costs of the arbitration shall be cast exclusively on the party bringing the arbitration.

XIV. If any part or subpart of this agreement is found to be unenforceable the remainder of this agreement shall remain in full force.

XV. Servicer provides a guarantee of results under the following circumstances: 

(1) All documentation requested by Servicer is produced to Servicer by client within a reasonable timeframe to Servicer for processing and submission. 

(2) Negative items that are not removed from the first submission will be re-submitted at least two additional times. 

(3)  If any negative items still remain (excluding Bankruptcy, Child Support, Authorized Users,  Capital One, Student Loans) then they will be divided from the total negative items originally on the report and the client will be provided a refund for each credit bureau file not completed after deducting the $300.00 mandatory  processing fee. The Client has 30 days to accept the refund once this notice has been issued or their file will be purged. 

(4)  If the client's file is 90% or more completed after the 3 rounds, they will not be eligible for a refund. 

XVI. Once this agreement is signed and executed, and if the agreement involves any financing addendum or has any balances and the balance is not fully paid within 90 days of the date of this agreement, any remaining balance will become immediately due, all discounts applied shall become automatically null and void, a 33% charge will be added to the balance as a collection fee, and 10% charge will be applied to the balance as a late fee.

XVII. Any unpaid accounts past due 90 calendar days from date of this agreement will automatically be reflected as a delinquent and shall be transferred to collections.

XVIII. Client agrees that if the Client does not make full payment Servicer is under no obligation to provide any services and may at its sole discretion transfer any balances to collections that may have been due.

XIX. It is hereby agreed that information and documentation provided are the exclusive responsibility of the Client and Servicer has no control on the information or documentation produced.

XX. All files and documents shall be submitted, mailed, or transmitted to the credit bureaus on behalf of client at completion of final payment.

XXI.   If the Client has any new negative account insertions after Servicer submits Clients papers, the Client will be responsible for a $75 resubmission fee in order for Servicer to re-process the paperwork to include the new account(s). This is valid for up to 30 days upon completion.  Once Client submits payment, their order will be processed and mailed within 1 business day. If a client wants to add additional accounts they want removed after the 30 day point, they would have to order a Touch Up Sweep. 

XXII. If the Client fails to fix any billing issues or provide updated login information to Servicer within 30 days after Servicer has contacted Client to verify or provide this information, the Client will be automatically removed (purged) from the program. This also includes requests for updated Utility Bills, IDs or SScards. No refund will be provided and the Client will have to sign back up for this program and start over via new order.

XXIII.  If the Client changes their phone number or address during the 60 day period of this membership agreement, a $25.00 processing fee will occur, so that the Servicer can change/modify all paperwork and open new FTC accounts with the correct phone number or address.

XXIV. The Client expressly agrees to all the terms and conditions of this agreement in their entirety and their signature below represents their agreement and understanding of the terms and conditions.