Pay-Per-Deletion Terms & Conditions

CREDIT REPAIR AGREEMENT

This Agreement (“Agreement”) is entered into by and between Team USA Credit Repair, (the “Company”), with a principal address of 2100 Southbridge Pkwy Suite 650, Birmingham, AL 35209, and [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME] (the “Client”), regarding an agreement to provide Credit Correction services and Client’s agreement to pay for such.

1.0 Credit repair services to be performed and fees. The company will provide the following services (the “credit repair services”) to and for the benefit of the Client, and Client authorizes Company to provide such Services and act on Client’s behalf.

Company will continually analyze and review of Client’s status.
Company will continually receive and processing manual updates for Client.
Company will update Client via a secure interactive web portal site with most recent updates and/or notes as deemed necessary by the Company.
Company will respond to, receive, and/or initiating correspondence via telephone on behalf of Client.
Company will respond to, receive, and/or initiating correspondence via e-mail on behalf of Client.
Company will respond to, receive, and/or initiating correspondence via facsimile on behalf of Client.
Company will respond to, receive, and/or initiating correspondence via physical mail (i.e.: USPS, FEDEX, UPS, etc.) on behalf of client.
Company will create letters and/or emails and/or an email address and/or faxes and/or electronic communications in the attempt to correct errors and other items appearing on the Client’s credit reports, which Client indicates are inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act.
This includes preparation and transmittal of challenge letters and correspondence to both creditors and credit bureaus to verify and/or dispute items appearing on the Client’s credit reports as listed above.
Company will review and analyze response letters and all correspondence received from credit bureaus, creditors, and others.
Company will conduct follow up calls with Client to discuss Client’s status and strategy.
Company will review Client’s credit report updates to determine subsequent steps.
Company will assist Client with credit questions.
Company will provide ongoing budget advice and counseling upon request

Fees will be based only on the successful outcome of the aforementioned dispute tactics. Client will only be charged after items notated have been successfully removed from clients credit file. Client will not be charged any advance fees for credit repair services. Deletions can be confirmed by Client via mail, email, fax, and telephone call. Deletions can also be confirmed by Client from the various credit reporting agencies, and as viewed through a third party credit monitoring service as well as directly through the credit bureaus website or any other similar means. Team USA Credit Repair’s fee schedule is as follows. The below fees are to be paid per deletion or correct that may occur on each of the Client’s three (3) credit bureau reports:

TYPE	Deletion	Correction	No Change
Accounts & Collections
Late Payments	$100	$100	$0
Charge Off’s	$100	$100	$0
Repossessions	$100	$100	$0
Collections	$100	$100	$0
Removal of “In Dispute”	$0	$50	$0
Inquiries	$15	$15	$0
Public Records Data
Bankruptcy	$100	$100	$0
Foreclosures	$100	$100	$0
Judgment	$100	$100	$0
Tax Liens	$100	$100	$0
Technical Demographic Data
Incorrect Names	$25	$25	$0
Incorrect DOB	$25	$25	$0
Incorrect SSN	$25	$25	$0
Incorrect or Outdated Address info	$25	$25	$0
Incorrect or Outdated Employment info	$25	$25	$0

15. Company does not charge in advance for any credit repair services. Company cannot guarantee any specific outcome for services provided, and Company cannot guarantee that disputed items will be corrected or deleted.

16. This Agreement is effective for 12 months unless cancelled prior to the expiration of 12 months. As such this Agreement will conclude 365 days after [TODAY_DATE].

17. The Client will pay no more than $1,999.00 for all services listed in this agreement that are provided by the Company. (Doesn’t include new derogatory items that didn’t exist at the start of this agreement.)

2.0 Audit services to be performed and fees. The company will provide the following services (the “audit services”) to and for the benefit of the Client, and Client authorizes Company to provide such Services and act on Client’s behalf

Company will charge a fee of $299.00 (“Audit Fee”) upon Company’s initial evaluation of Client’s individual financial and credit situation. The purpose of this fee is to allow Company to review the Client’s financial documents, as provided by the Client, and for Company to take the necessary time to consult with the Client. The $299.00 Audit Fee will only be charged upon Company consulting with the Client and completing the above analysis.
The Audit Fee is paid in exchange for the initial audit, analysis and consultation of the client’s

credit profile.

Included in the Audit Services, Company will provide Client with access to its “Express Finance Package” including:
1. Credit Repair e-book “Best Kept Secrets”
2. A dedicated “Credit Expert Case Manager” includes:
  1. An exclusive credit expert to provide ongoing credit questions, loan concerns, budgeting advice, etc. This allows you to deal with the same credit expert all the time that will always be able to pickup where you left off at with any/all concerns.
  2. This also gives you 6 months of credit consulting, credit advice and loan assistance/guidance (where and how to apply for a loan) during your services as well as 6 months after completion of your services.
3. Client Portal which includes:
  1. 24/7 Access to the updated progress of your credit status.
  2. 24/7 access to your credit score updates
  3. A Document Attachment section to upload any correspondence that
    
    you may have received by mail as well as any documents requested by
    
    your case manager that are necessary for further dispute tactics
  4. A Contact Us/Notes section that will allow you to contact us directly
    
    through the portal 24/7 with any questions or concerns
Company will provide client with resources (letter templates, address information etc) to enable client to address any issues on credit report. (Included in “Best Kept Secrets” e-book).

3.0 Please review the below listed disclosures which apply to all services rendered by Company.

Company makes no guarantees other than within this Agreement. No oral agreement or other agreement shall override this agreement unless received in writing from an authorized Company officer.
In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by mandatory, binding arbitration in Jefferson county, State of Alabama or in the county in which the Client resides in, in accordance with the laws of the local county for agreements to be made in and to be performed in the Client’s State. The parties agree that the arbitration shall be administered by the American Arbitration Association (“AAA”) pursuant to its rules and procedures, an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator’s award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys’ fees) of arbitration equally. If the Client’s share of the cost is greater than $2,000.00 (Two-thousand dollars), the Company will pay the Client’s share of costs (not attorneys’

fees) in excess of that amount. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including a reasonable attorney’s fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

This Agreement shall be governed by and construed according to the laws of the State of Alabama.
Client understands that the addition of new derogatory information will negatively impact the results of Company’s service. Client also understands that Company will remove erroneous, outdated, or incorrectly reported information from the bureaus, as allowed by state and federal law, and understands that Company makes no claim beyond those changes allowed by state and federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information.
Client must maintain an active credit monitoring account. The cost of such credit monitoring account is to be paid independently by the Client.
Client understands that no guarantee of any particular score is made through this Agreement.
Client understands that Company does not guarantee client will receive any type of financing or additional benefits as a result of Company’s services.
Client understands that it is their right to execute similar disputes on their own behalf, but has willfully elected to allow Company to perform the services for the fees agreed upon by Client and Company.
Client acknowledges they have received a copy of company’s privacy policy, and a copy of the required disclosures prior to signing this agreement.
Company has the option of fulfilling or outsourcing any of the Services through a credit services processor or affiliate to best serve you. In addition, representatives of the Company will be communicating with the appropriate parties on Client’s behalf.
The Company will not remove any derogatory information (defined as accurate negative information appearing on a Client’s credit report that actually belongs there), nor will the Company assist Client on improving Client’s credit rating. Instead, as a Credit Repair Organization Act compliant credit repair organization, the Company exclusively assists its Clients in removing or correcting inaccurate information appearing on their credit reports.
This Agreement can be cancelled at any time with no further obligation from the Client with the exception of the Client’s obligation to pay the Company the fees it has earned prior to the cancellation of the Agreement.

4.0 Client Responsibilities, Obligations, and Agreement. Working as a team will play an integral role of both the ultimate success and the final outcome of Company’s efforts. The following is MANDATORY

A. Client will return, along with signed Agreement, a copy of their driver’s license,

social security card or W2/1099 form displaying your social security number, and a recent bill showing the correct address (phone bill, gas bill, electric bill, etc.).

B. Client agrees to sign a Client Application and Authorization as well as Limited Power of Attorney (Exhibit A) granting company specific right to contact, and send correspondence on Client’s behalf.

C. Client agrees to forward any and all mail correspondence received from creditors, credit bureaus, collection companies, attorneys, etc. regarding their credit file to Company as soon as they receive the same. This may be done by taking a picture and uploading it under the “Documents” tab inside of the client portal.

D. Client must maintain an active credit monitoring account that is approved by Company.

E. Client hereby acknowledges that the deletion or correction of any item as displayed through third party credit monitoring service, directly from the credit bureaus sites, or any other similar means shall be proof of deletion or correction.

F. Client agrees to provide (initially and ongoing) credit reports to company with scores from all three credit bureaus (Equifax, Experian and Trans Union) and understands that COMPANY CANNOT PROCEED UNTIL INITIAL CREDIT REPORTS ARE RECEIVED.

G. Client Agrees to payment terms and conditions set forth this Agreement.

H. Client agrees to maintain on-time monthly payments of their current credit obligations (i.e. car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to any progress made to Client’s credit by Company.

I. Client agrees to contact Company with any questions regarding their credit including credit inquiries or questions regarding applying for consumer credit.

J. If Client was referred to Company by a referral partner, Client here by expressly consents to sharing data concerning the progress of the credit restoration process with the identified referral partner.

K.Client understands credit repair and restoration is not a quick fix, no promises of results or time frame for completion have been extended.

L. Either party may cancel this agreement at any time. Cancellation of contract does not relieve Client of paying fees earned by the Company prior to the termination of the Agreement.

M.Client agrees, unless specifically requested otherwise, that by entering into transactions with Company, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company. Client consents and agrees that Company may provide all disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of transactions electronically. All electronic communications will be deemed to be valid and authentic, and Client intends and agrees that those electronic communications will be given the same legal affect as written and signed paper communications. Client has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Client’s consent may be withdrawn at anytime upon Company’s receipt of such withdrawal. However Client’s withdrawal of Client’s consent to conduct business electronically can only occur if applicable law specifically requires Company to provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company can complete certain steps in transactions with Client and delivering services to Client. To inform us that Client either withdraws Client’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information Client may send to: Team USA Credit Repair, (the “Company”), of 2100 Southbridge Pkwy Suite 650, Birmingham, AL 35209. Client acknowledges and agrees that the internet is considered inherently insecure. Therefore, Client agrees that Company has no liability to Client whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied. At all times, Client maintains the sole obligation to ensure they can receive Company’s electronic communications, and access them on a regular and diligent basis

N. Client understands that all invoices that arise from Company’s credit repair process are due immediately and will prevent any further services or progress from Company until all open balances are paid. COMPANY CAN AND WILL TERMINATE THIS AGREEMENT IF AN OPEN BALANCE IS NOT PAID WITHIN A TIMELY MANNER.

O. CLIENT UNDERSTANDS THAT COMPANY MAY TRANSFER ANY PAST DUE BALANCES THAT ARE NOT SATISFIED WITHIN A TIMELY MANNER TO A THIRD PARTY DEBT COLLECTOR. THIS WILL RESULT IN A NEGATIVE ITEM BEING REPORTED TO THE CLIENT’S CREDIT PROFILE.**THEREFORE WE ENCOURAGE ALL CLIENTS NOT TO GO ANY FURTHER WITH THIS AGREEMENT IF THEY DO NOT FEEL THAT IT IS WITHIN THEIR BUDGET.

You, the buyer, may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract See the attached notice of cancellation form for an explanation of this right.

———————————————————————————

TO: TEAM USA CREDIT REPAIR
2100 Southbridge Pkwy Suite 650 Birmingham, AL 35209
(888) 407-0797
(888) 908-6696

NOTICE OF CANCELLATION

You may cancel this contract, without penalty or obligation, at any time prior to midnight of the 3rd business day which begins after the date the contract is signed by you.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to Team USA Credit Repair at at 2100 Southbridge Pkwy, Suite 650, Birmingham, AL 35209, before midnight three days from the date of agreement.

I hereby cancel this transaction:

Date: _______________ Print Name: __________________________

Signature: _______________________________

TO: TEAM USA CREDIT REPAIR
2100 Southbridge Pkwy Suite 650 Birmingham, AL 35209
(888) 407-0797
(888) 908-6696

NOTICE OF CANCELLATION

You may cancel this contract, without penalty or obligation, at any time prior to midnight of the 3rd business day which begins after the date the contract is signed by you.

I hereby cancel this transaction:

Date: _______________ Print Name: __________________________ Signature: _______________________________

***ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE***

———————————————————————————

TO: TEAM USA CREDIT REPAIR
2100 Southbridge Pkwy Suite 650 Birmingham, AL 35209
(888) 407-0797
(888) 908-6696

NOTICE OF CANCELLATION

You may cancel this contract, without penalty or obligation, at any time prior to midnight of the 3rd business day which begins after the date the contract is signed by you.

I hereby cancel this transaction:

Date: _______________ Print Name: __________________________

Signature: _______________________________

TO: TEAM USA CREDIT REPAIR
2100 Southbridge Pkwy Suite 650 Birmingham, AL 35209
(888) 407-0797
(888) 908-6696

NOTICE OF CANCELLATION

You may cancel this contract, without penalty or obligation, at any time prior to midnight of the 3rd business day which begins after the date the contract is signed by you.

I hereby cancel this transaction:

Date: _______________ Print Name: __________________________ Signature: _______________________________

***ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE***

———————————————————————————

EXHIBIT A — Limited Revocable Power of Attorney

This form is a limited revocable power of attorney and will be used for the sole purpose of helping with the restoration of your credit. This does not give us full power of attorney over any of your other affairs nor does it make us your legal counsel. Our company is not a law firm, and we do not provide legal representation or lawyer services.

I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], a resident of

[CLIENT_CITY] city, of the State of [CLIENT_STATE] give Team USA 
Credit Repair, LLC its officers, employees and agents, the necessary power and authority, in and on my behalf, to act as my attorney-in-fact in order to undertake and perform the following matters only as set forth herein: obtaining information, including but not limited to credit reports in my name, over the telephone, fax, and internet, through written or online correspondence from credit bureaus, creditors, or collection agencies.

I hereby authorize Team USA Credit Repair and its officers, employees and agent’s to act on my behalf as stated above for a period of 12 months from the date listed below.

I hereby direct said record holder authorization to release any requested information upon the presentation of this Limited Revocable Power of Attorney. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records, Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems, SageStream, LexisNexis), consumer reporting agencies, retail business establishments, lending institutions, student loan agencies (public and/or private), from liability including whatever kind which may at any time result to me, my heirs, family or associates, because of compliance with this authorization to release information, or any attempt to comply with it.

I have the right to revoke or terminate this Limited Revocable Power of Attorney at anytime. This Limited Revocable Power of Attorney shall terminate 12 months from the date of execution set forth below. My attorney-in- fact shall not be liable for any acts or decisions made in good faith and pursuant to the terms herein.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information
All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing

Reasons we can share your info	Do we share your info?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigators, or report to credit bureaus	Yes, we may share your info with necessary parties to help facilitate the products and services that you have contracted for.	No
For our marketing purposes— to offer our products and services to you	We may share your information with vendors that assist us in offering various opportunities to you.	Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for.
For joint marketing with other financial companies	We may share your information with other financial and non-financial entities.	Yes, you can opt out of any non-essential sharing with third parties.
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes, we may share your info with affiliated parties to help facilitate your goals	Yes, you can opt out of any non-essential sharing with third parties.

To limit our sharing of information or for ANY Questions: Call us at (888) 407-0797

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any 4me to limit our sharing.

How does Team USA Credit Repair protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment.

How do we collect your personal information?

We collect your personal information from any and all interactions that you have on our websites, web portals, email communications, telephonic communications, mail services and face to face interactions.

Information for Vermont, California and Nevada Customers:

In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with non-affiliated third parties, and that we limit the information we share with any affiliates. If we disclose information about you to non-affiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their information with non-affiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. Residents of the State of California may request a list of all third-parties to which we have disclosed certain information during the preceding year for those third-parties’ direct marketing purposes. If you are a California resident and want such a list, please contact us at Team USA Credit Repair, 2100 Southbridge Pkwy, Suite 650, Birmingham, AL 35209 or contact us at the telephone number listed above. In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Why can’t I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.

What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure protection of your wishes.

Definitions: Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm