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This contract is between you, the “Buyer” of the credit repair services, and us, the “Company” providing the credit repair services. BUYER AUTHORIZATION: Buyer authorizes The Company to challenge on Buyer’s behalf information appearing in Buyer’s credit reports that the Buyer believes is inaccurate. COST OF SERVICES/METHOD OF PAYMENT: Buyer will pay the Company $149 monthly after the Company fully completes the services described below. Full payment is due within _____ business days immediately following the date Buyer receives written notice from the Company of completion of credit repair services [or in not more than three (3) consecutive monthly installments of $________each, if applicable. A payment receipt will be furnished by the Company to the Buyer for payments made in cash. DESCRIPTION OF SERVICES TO BE PERFORMED BY THE COMPANY: 1. Assist Buyer with obtaining Buyer’s credit reports from Experian, Equifax/CSC Credit Services, Inc., and TransUnion consumer reporting agencies (CRA), if necessary. 2. Analyze the Buyer’s credit reports with the Buyer to determine if inaccurate information is contained in the reports. 3. Advise the Buyer of his/her rights according to the federal Fair Credit Reporting Act. 4. Prepare correspondence to the CRA to initiate a reinvestigation of inaccurate items appearing on the Buyer’s credit reports. Correspondence on reinvestigations will be sent to CRA __________ times, if necessary. 5. Prepare correspondence to the creditors listed on the Buyer’s credit reports disputing the accuracy of the information they are furnishing to the CRA. Correspondence will be sent to the creditors __________ times, if necessary. 6. Fully validate any or all verification creditors furnish the CRA in response to a reinvestigation of a disputed item in the Buyer’s credit reports. 7. Provide the Buyer with written notice upon the date of the full performance of credit repair services. 8. The Company will maintain Buyer’s personal information in strict confidence. Buyer’s information will be released only to persons, merchants, creditors, or organizations necessary to complete the services described in this contract. ESTIMATED TIME FOR COMPLETION OF SERVICES: The estimated length of time required to complete the above services is __________ months. In some cases, inaccurate, negative items appearing on Buyer’s credit reports will be removed in less than the stated estimate.