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, 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.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. 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 5 business 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.
I hereby acknowledge that I have read and understood the above Disclosure Statement.
This CLIENT AGREEMENT is made on 18-05-2013 between Premier Solutions Today,
LLC (hereinafter "Premier") and (hereinafter "Client/Clients", should there be more then one Client to this Agreement,
"Client" shall be read in plural.)
Premier's, Keys To Success:
Premier shall, upon execution of agreement with Client provide prompt assistance to Client in obtaining credit records for the client from all three credit reporting agencies Equifax, Experian, and Trans Union (if needed).
Premier shall also set up Client with their online private client site which will allow them to check progress throughout their service with Premier. A username and password will be provided to the Client to access their online private client site. All items that will be disputed will be inputted in the portal.
Premier shall also post credit education materials to the Client's' Private Client Site or via email periodically for Client review.
Premier shall assist Client in determining the action to take with each inaccurate account in regards to that clients file. Premier is available to review each account on the Client's personal credit file by calling the customer service numbers provided upon enrollment.
Premier shall prepare challenges for items appearing on the Client's credit reports which the Client indicates are inaccurate, incomplete, obsolete, time barred, or unverified as per the Fair Credit Reporting Act.
Each consecutive month of service Premier shall prepare all follow-up challenges, as per the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act and transmittal of the same.
All items resolved shall also be posted to the client's private client site, which is accessed online by the username and password provided to Client upon enrollment.
Premier shall also provide a client services staff for assistance in answering questions regarding Client's accounts via email, client portal or telephone.
Premier agrees only to challenge items under the above acts and as legally available.
Company guarantee and refund policy shall be understood as the following: To any Client that maintains six consecutive months of service, Premier shall guarantee their satisfaction of service:
Should Client believe they have not received valuable service, in consideration of refund, all accounts will be evaluated on a per record itemization.
For every account repaired or removed from the credit file Premier shall assess a $75 value. Should the value of repair/removals fall below the pricing paid, Client shall have the right to request a refund. First work fee/enrollment is non-refundable.
Failure to maintain consistent monthly payments and addition of any negative items to the credit file VOIDS any and all guarantees.
If Client misses a payment, or has a payment returned for NSF or any other reason this will VOID any and all guarantees.
If the Client fails to complete the payment schedule any and all refunds are forfeited.
Client must also provide a copy of an up to date credit report if they wish to receive a refund. (This is used to evaluate premier's work performed.)
Premier makes no other guarantees aside from the guarantees expressly written within this Agreement. No oral agreement or other agreement shall override this agreement unless received in writing from an authorized Premier officer.
Clients Keys To Success:
Client shall return, along with this Agreement or within three days thereafter, a copy of their driver's license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..).
Client agrees to assist Premier in obtaining initial credit reports, with scores, from all three credit bureaus (Equifax, Experian and Trans Union) and understands Premier cannot proceed with filing disputes until credit reports are received.
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 the progress and improvements made by Premier.
Client agrees to contact support department on any questions regarding their credit INCLUDING before making any credit inquiries or applying for consumer credit.
Client understands that some of Premiers strategies are time sensitive and in order to get the best results it is highly recommended to send Premier all mail received regarding their credit file as soon as they receive items from any of the three credit bureaus, Equifax, Experian, and Trans
Whenever you get any kind of letter from the Credit Reporting Agencies we ask that you mail, fax, or upload to the client portal. It is not your responsibility to verify the information; you do not have to provide them with anything, expect as stated in G.
If they request additional address verification or a copy of your Social Security Card, please forward it to them as quickly as possible.
If any of the credit reporting agencies ask you to call, email, or mail them anything, we suggest you do not do it!
Service Fees Description
An Enrollment Fee of $99 shall include but is not limited to one or more of the following: initial client portal setup, credit education material, credit analysis consultation, budgeting ebooks, opt-out prescreen concierge, DNC list concierge, and financial worksheets. (A link will be sent via email to grant access to all credit resources.) The Enrollment Fee shall be drafted on 18-05-2013.
Monthly Payment Plan consists of consecutive monthly installments of $69.00 per month. Monthly service is rendered after one or more of the following services are completed: credit report analysis, correspondence review, credit consultation, credit coaching, client portal updates, and communication with client (via phone, email, fax, or portal notes) or dispute letters drafted and mailed. All monthly installments for monthly service will be due and payable on the 1st or 15th of every month (the first month fee will be billed the month after the month you enrolled.) All work performed is billed the month after. Example, work performed in January will be billed in February.
Contract is month to month from the start date of the Client Agreement. Either party may cancel this at any time by written notice. Notice shall not be considered received unless confirmation of receipt has been received by all parties. Client understands that no specific deletions are guaranteed, also that the average time frame varies due to the unique situation. Premier has been successful in helping past clients get positive results in under 45 days, however other clients may require a process of persistence that could take more than 120 days. Our average timeframe is approximately 90-180 days.
This Agreement shall be governed by and construed according to the laws of the State of New Jersey.
This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.
You agree to hold Premier their agents, administrators, and employees harmless from any liability or damage arising from administration of the Services contemplated by this Agreement, including but not limited to, any damage that may arise from actions taken. Except as otherwise stated in this Agreement, Premier it's agents and/or employees will be liable to Client only for damages arising directly from intentional misconduct or gross negligence in the performance of this Agreement. Premier it's agents and/or employees will not be responsible, under any circumstances, for special, indirect, consequential or punitive damages. The total liability including legal fees involved in defense of Premier relating directly or indirectly to the contemplated Services under any theory (including without limitation negligence, errors, omissions and malpractice as well as any other basis for a claim) regarding any claim by you whenever made or discovered is limited to the amount of the fees already paid to Premier by you within the last six (6) months as of the date of the filing of your claim. You understand that this amount does not involve any savings or fees paid to your third party administrator by you in connection with your participation in the Services. You release and waive any claim against Premier, its employees, officers, director, affiliates in excess of above stated such amount. THE PRECEEDING LANGUAGE IN THIS PROVISION IS PART OF THE CONSIDERATION FOR THE SERVICES PROVIDED UNDER THIS AGREEMENT.
ARBITRATION WILL BE USED TO SETTLE ALL DISPUTES -NOTICE: This agreement contains provisions requiring arbitration of fee disputes. Before you sign this agreement you should consider consulting with a lawyer about the advisability of making an agreement with mandatory arbitration requirements. Arbitration proceedings are ways to resolve disputes without use of the court system. By entering into agreements that require arbitration as the way to resolve fee disputes, you give up (waive) your right to go to court to resolve those disputes by a judge or jury. These are important rights that should not be given up without careful consideration. All claims or disputes against Premier, its affiliated organizations, service providers, its employees, independent contractors, agents, or assigns arising from
or relating directly or indirectly in any way to this Agreement will be resolved by final and binding arbitration before a single arbitrator. The arbitration will be conducted by the American Arbitration Association ("AAA") if AAA is unable, or unwilling to act as arbitrator, another independent arbitration organization may be selected and substituted at the sole discretion of Premier. You understand that the result of this Section is that claims cannot be litigated in a court of law, including all claims that could have been tried before a jury such as class actions or as private attorney general actions. You agree that any claim must be submitted to arbitration within the earlier of twelve (12) months from the date of discovery or twelve (12) months from termination of the Agreement or will otherwise be deemed waived and void. Each party in any possible future arbitration will be responsible for its own legal fees. The losing party will bear responsible for the costs of arbitration for both parties. Any arbitration award shall be enforceable by any court of competent jurisdiction.
IMPORTANT You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.
I fully understand my responsibility to this program and agree to the above terms, as well as acknowledging that all my questions have been answered. I also Acknowledge and agree to the total costs of these services. Please accept my payment in the form of a Debit/Credit card (payment authorization form).
NOTICE OF RIGHT TO CANCEL
You may cancel this contract, without penalty or obligation, within Five (5) days after the date your enrollment payment is received.
If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt by the seller of your cancellation notice.
To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to Premier at 4400 Route 9 South - Suite 2100, Freehold, NJ 07728, not later than midnight of the 5th day after your enrollment payment is received.
You may also cancel this Client Agreement at anytime after Five (5) days but will not be entitled to your money back unless you qualify for the Money-back Guarantee.
I hereby cancel this transaction:
Client Signature Co-Client Signature
Printed Name Printed Name
*ONLY SIGN AND RETURN
IF YOU INTEND ON CANCELING SERVICE*
LIMITED POWER OF ATTORNEY
__________________________________________, hereinafter referred to as PRINCIPAL, in the County of ______________________________State of ___________________________, do(es) appoint, Premier Solutions Today, LLC. , as my/our true and lawful attorney to write, sign, and send letters to the credit bureaus, creditors, and collectors, as deemed appropriate, on my/our behalf. I/we give and grant to said attorney in fact full power and authority to do all and every act and thing whatsoever requisite and necessary to be done relative to any of the foregoing as fully to all intents and purposes as principal might or could do if personally present. All that said attorney in fact shall lawfully do or cause to be done under the authority of this power of attorney is expressly approved. The appointment specifically includes all lawyers, independent contractors, employees, agents and subcontractors. (including lawyers and nonlawyers).
Signature of Principal Signature of Co-Principal
Premier Solutions Today, Inc. (individually each is referred to as the "FIRM") is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what FIRM does to keep information about you private and secure. This Policy covers only information that you provide to FIRM or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.
Personal Information We Collect: The personal information we collect about you comes from the following sources: Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications, information about your transactions, such as your account balances with your creditors, payment history account activity, and all other information that may be contained in your credit card statements or other reports relating to your credit, and information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations. We do not disclose any of the above information that we collect to nonaffiliated third parties. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, service providers or others only as permitted or required by law, such as to
protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider. We may also share our information with someone who may be able to provide you with additional services that could be helpful. Otherwise, we do not share, transfer, or otherwise disclose your nonpublic personal information to any company or individual unless it is directly related to carrying out the services you have requested of us. By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to affect, administer and perform our services. If Client was referred to Premier by a referral partner, Client hereby expressly consents to Premier, sharing data concerning the progress of the credit restoration process with the referral partner.
How We Protect Your Information: We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. We do not share your information with any companies unrelated to the specific services we are obligated to provide to you. This Policy applies to current and former customers. If you have any questions, please contact your account manager or our client services department.
Payment Authorization Form
Amount to be charged: $99 for the first payment then $69 per month.
I, the undersigned agree, understand and authorize the amount shown above to be charged to my credit card and to reoccur on a monthly basis on the 1st or 15th of each month. All payments are charged AFTER the service(s) have been rendered.
The first charge will cover the initial client portal setup, and access to the credit/budgeting financial resources. All future charges are deemed rendered after one or more of the following services are completed: credit report analysis, correspondence review, credit consultation, credit coaching, client portal updates, or communication with client (via phone, email, fax, or portal notes) or Dispute letters drafted and mailed.
Date Signed: 18-05-2013