(Please print out, sign, fax or return by directmail as noted below.)
CREDIT AGREEMENT
This agreement written the
______ day of _____________________, 20_____ between the
("client") ___________________________________ and ("agency of record")
Artistic! Capital Corporation shall serve as the original when received by
Artistic! Capital Corporation and when executed with client's signature and
payment for services.
Client agrees to pay to agency a one-time account setup and activation fee of
One-Thousand Five-Hundred Dollars ($1,500.00) for the immediate placement of credit files
that are to be reviewed, disputed, deleted, removed, and/or corrected based on
the informational requests of client providing information. Client
understands that he/she is also charged a personal credit report fee of $85.00
and a Credit Analysis and Review Fee of $300.00; which is due immediately when
submitting this agreement even if the account setup / agency fee has not been
paid in full. Client may visit the corporate website to purchase his/her
personal credit report for less than the amount indicated herein, but must
return it (indicating Client's present Fico Scores) and all credit reported
information, to include; credit card accounts, accountholder information, credit
ratings, lines of credit, and etc. to include the entire credit report from all
three (3) major credit reporting agencies before ("agency") will begin any
services for Client. Total amount due to review personal credit report and
determine the amount of work required or to quote client is $385.00. Once
account has been accepted, Client will be required to pay ("agency") its
$1,500.00 account setup and activation fee as requested. Client agrees
to allow ("agency") to sign his/her name on all reporting documents, forms,
and/or disputed information immediately upon request by any credit reporting
agency, and client agrees to allow ("agency") to act on his/her behalf until all
derogatory, delinquent or disputed credit information has been removed
successfully. Client understands that execution and signature of this
document is granting Artistic! Capital Corporation, its assigns, assessors,
affiliates, consultants, agents, brokers, and/or its representatives temporary
Power Of Attorney to act on his/her behalf when dealing directly with any and/or
all credit reporting agencies.
Client understands that he/she is required to make available monthly payments in
the amount of $35.00 for each successful month that ("agency"), its assessors,
referrals, and/or affiliates are processing credit entries on client's behalf.
All monthly payments are to be debited from client's personal checking account
and/or credit card based on the activation of information at time of application
to ("agency").
Client shall pay the account setup and activation fee only at time of request
for service and no additional fees or charges are due agency unless solely
indicated in writing at time of application request or as outlined on its
Credit
Deletions and Repair Services website. If indicated, all
monies quoted are due immediately in order to process any request to a credit
reporting agency and/or creditor. Client understands that all payments
made to ("agency") are non-refundable at time of application and account
acceptance and will not be reimbursed for any reason, even if Client chooses to
deny payment for any reason, or wishes to cancel within any given time after
application has been accepted. Client shall be charged a cancellation fee
of $500.00 for all cancellations no matter when received, and agree to pay
immediately upon notification and/or has given full authorization to ("agency")
to obtain any and/or all amounts owing from Client's personal or business
checking account indicated below should he/she default for any reason or decide
to terminate during the processing of any credit related request once ("agency")
has accepted to represent, dispute, and act on Client's behalf.
Client understands that if not expressly advised that he/she cannot at any time
release information pertaining to its involvement with ("agency"), its
procedures and/or that of its legal affiliations. All information
pertaining to cases relating to credit must be held strictly confidential by Client
and not disclosed to anyone for any reason. Client agrees not to provide
copies of any correspondence, letters, credit reports, documentation, contracts,
agreements, licensing information, website links, and/or all other information
bearing ("agency") name and/or affiliations to any other outside source for any
reason without the prior written or verbal consent of the ("agency") processing
its requests. Client understands that ("agency") will hold Client
responsible and charge a $2,500.00 Circumvent Fee to Client for any violation or
release of information to anyone for whatever reason unless authorized by
("agency").
Client agrees and confirms that he/she has not provided any falsified
information in its application or order request for services, and confirms that
all statements made regarding his/her personal credit history is accurate,
correct, and concise to the best of his/her knowledge; and that he/she is the
person making the request, application or is paying for services; and that the
name used for credit related repair or deletion services is the name of the
Client and no other person. Client agrees to
pay any and/or all other fees, charges, surcharges, rates or schedules to
("agency") for any additional services that may or may not be requested by
Client when quoted by agency by Cashier's Check, Money Order, Personal or
Business Check, Bank Wire Transfer, Online Payments, and/or Credit Card payments made payable to: Artistic!
Capital Corporation and mailed to its corporate offices immediately by
overnight, next-day airmail delivery by a carrier indicated by ("agency") and no
other. All documentation for services, when setting up a new account must
be mailed to ("agency") at its corporate mailing address located at: 342 E.
Jericho Tpke., Suite #334; Mineola, NY 11501-2111; Attn: Lexington Law Firm.
Client understands that he/she shall hold ("agency") harmless for any actions,
services, and/or account discrepancies that may have been disputed or caused a
negative situation by its affiliating agency, Lexington Law Firm. Client
understands that Lexington Law Firm is a licensed and legally registered Law
Firm; which operates under its own guidelines separate from that of ("agency"),
and that all services rendered through Lexington Law Firm when referred by this
("agency") shall remain with client and Lexington Law Firm and not between
Client and ("agency") for any reasons. Client understands that its own
personal dealings whether direct or indirect with Lexington Law Firm shall be at
the discretion of Lexington Law Firm and not that of Artistic! Capital
Corporation, its affiliates, assigns, assessors, brokers, and/or referring agents.
All dealings with our referring attorneys shall be between Client and Lexington
Law Firm and not that of Artistic! Capital Corporation unless expressly noted
and an addendum section has been noted herein. Client understands that
services rendered through ("agency") shall commence immediately and all further
processing of his/her request shall be made at the discretion of Lexington Law
Firm and not that of Artistic! Capital Corporation unless noted at time of
request.
Client understands that ("agency") may change, add, delete, and/or remove
information from personal credit report when ("agency") has been exclusively
selected for the services. Additional rates, fees or charges may apply
based on the amount of information needed to be removed from a client's personal
credit report. If Client is electing to work directly through agency,
please sign in both sections of Credit Agreement and Retainer Agreement below
and send your written request for private services to us at:
Credit-Deletions@artistic-capitalcorp.com for immediate assistance and
price quoting.
Client agrees to the terms and conditions as setforth and shall abide by them
accordingly.
X__________________________________
CLIENT SIGNATURE
____________________
DATE
RETAINER AGREEMENT
Lexington Law Firm will work to improve your credit by challenging the credit items which you believe to be inaccurate, misleading, or unverifiable. We will use federal law to pursue your right to have all such credit listings deleted from your credit report. Whenever we receive credit reports from you we will send letters to the credit bureaus and/or your creditors on your behalf in order to communicate your dispute.
Because each case varies we cannot guarantee a specific outcome nor can we accurately predict how long it will take. Deletion of your disputed credit may take more or less than twelve months. You may cancel this agreement at any time. Since you can cancel at any time, it is impossible for us to describe the length of time that the contract will last. We warranty the success of our work by offering some or all of your money back if enough disputed items are not deleted, but the warranty depends upon your remaining a client for twelve months.
At the same time you agree to:
Use Lexington Law Firm to dispute negative items which you believe may be inaccurate, misleading, or unverifiable.
Explanation of Terms used in Retainer Agreement, above:
Challenging = Lexington Law Firm challenges the negative items that you indicate by drafting dispute letters on your behalf and in your name which are then mailed to the credit bureaus and/or your creditors. These dispute letters are carefully written to say the right things and to avoid the wrong things, so that the dispute letter bypasses the credit bureau bureaucracy. If successful the dispute letter will trigger an investigation of your disputed credit listings which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus must delete the listings. With your help Lexington tracts the timely dispute of your credit reports and will keep your case on track, so long as you remember to forward credit bureau correspondence as noted in your agreement.
Inaccurate, Misleading, Unverifiable = The Fair Credit Reporting Act requires that any listing that is found to be inaccurate, unverifiable or misleading must be removed from your credit report. Very often, the creditor who reported the listing cannot or will not verify the listing and the listing is then removed. Also, our evidence shows that the credit bureaus do not always process the dispute letters and prefer to simply delete disputed items. By whatever means, Lexington maintains an excellent success rate in deleting negative items. In order for Lexington to proceed with your case you must indicate which items you believe should be disputed. You will do this using our Dispute Valet service which you will gain access to after signing up.
Federal Law = For the most part, Lexington Law Firm and its associated attorneys rely on the Fair Credit Reporting Act for the basis of the dispute procedure. In sum, the FCRA gives you the right to dispute anything that you believe is not accurate or verifiable. At that moment, the responsibility shifts to the credit bureaus and the creditor who listed the information to prove otherwise. The full Act can be obtained directly by visiting the Federal Trade Commission’s website at: http://www.ftc.gov/os/statutes/fcra.htm.
Send Letters = Lexington Law Firm challenges the negative items that you indicate by drafting dispute letters on your behalf and in your name which are then mailed to the credit bureaus. These dispute letters are carefully written to say the right things, and avoid the wrong things, so that the dispute letter bypasses the credit bureau bureaucracy. If successful, the dispute letter will trigger an investigation of your disputed credit listings which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus must delete the listings. Lexington tracks the timely disputation of your credit reports and will keep your case on track, so long as you remember to forward credit bureau correspondence as noted in your agreement.
Cannot Guarantee = As with any practice of law, Lexington cannot guarantee an exact outcome to a client’s case. It would be like a defense attorney guaranteeing that his client would be found “not guilty” by the jury. Because each case has so many factors, making such a guarantee would be improper and misleading. Lexington has an astounding track record in deleting negative listings from its client’s files, and most clients are highly satisfied. But nobody can honestly guarantee that they control the response of the credit bureaus to a dispute letter. Those who do are misleading their clients. Much of the key to the successful restoration of a person’s credit is sheer persistence and know-how.
Predict, More Or Less = While the anticipated length of this agreement is twelve months, all of your undesirable credit may not be removed in that time. Some cases are completed in six months, while others continue for 18 months or more. You may cancel the retainer agreement anytime you feel you have achieved your desired results.
Warranty = Our service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. We offer this warranty because we don’t believe you should have to pay for ineffective service. Here’s how the warranty works. After you have been a client for 12 months, if you feel ambivalent about the success of our service you can request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid exceeds the value of deleted items we will reimburse you the difference. To determine the total value of our service we count the number of items we successfully deleted from your credit report and multiply that by $50 per item. This does not mean that we will charge $50 in addition to our regular fees. Rather, we use the value of $50 per deleted item to determine whether the cost of retaining us was justified or not.
Pay Lexington = In accordance with federal regulation, Lexington charges for services that have already been performed. Within the first five to ten days we will perform the most expensive portion of your retainer – your case setup. Your first payment covers the work performed in that initial period. Thereafter you will make regular monthly payments to pay for work performed the previous month. Each month you will receive an itemized invoice for work performed the previous month. The amount of work will vary from time to time, and you will find that we often perform more wok than the $35.00 fee covers. However, you will not be charged for the additional work. Your monthly retainer fee is fixed at $35.00 and will never exceed that amount. To give you an idea of the work we will perform, below we’ve listed the typical minimum work performed in the first two weeks and the typical minimum work performed in a month. Again, remember that we will never charge you more than $35.00 per month (though even a typical month exceeds that amount of billable work.) Before your first payment, we will perform all initial work including: welcome/orientation communication via email, client data input and verification, payment arrangement setup, case assignment to a paralegal and an initial review by the attorney of your case setup. While the sum of these activities exceeds $75.00 worth of work (if billed by the hour) we will charge you $75.00 which will be considered fully earned (don’t worry about us discounting our fees, we make money in the long run.) Then, each month thereafter, you will notice that we perform certain minimum work. Most months, if your faithful about sending in credit reports, we will be creating disputes for you. In the other months where we’re waiting for a response from the bureaus, at a minimum, both the attorney and your paralegal will review your case to make sure that we’re proceeding without a hitch. To keep accounting and collection costs low, all payments must be made via a direct bank draft or a credit card draft. If any payment is returned dishonored by your bank or credit card company, we will redraft the payment automatically about 48 hours after the first draft. If that payment does not clear, we will contact you to make arrangements for payment. If your payment is returned dishonored, a $15.00 service fee will be added to your next due payment.
Dispute Valet = As a client you will forward to us updated credit reports every ninety days. Whenever we receive your report we enter the information into our database. Dispute Valet enables you to access those reports online and to specify which items you want us to challenge. It also gives you the option of choosing a particular dispute method for any item on your report. Don’t worry though, it’s easy – the intuitive interface and built-in wizard makes this process a simple point-and-click matter.
Forward = You will receive a variety of correspondence from the credit bureaus during your retainer of Lexington Law Firm. It is important that you send each piece promptly to the law firm so that your case stays on track. Virtually the only reason for slow progress on client casework is a lack of credit reports and credit bureau correspondence. It is an easy mistake to file credit bureau mail away until you have time to send it in to the law firm. Just remember you will be causing your case to take much longer unless you forward every correspondence as it arrives. We also ask that you MAIL us your credit bureau correspondence ONLY. After long experience, we found that, since credit reports are often double-sided and difficult to read, the only reliable way to receive them was by mail. We appreciate your extra effort in mailing credit reports.
Mail = The most important correspondence you will receive from the credit bureaus will be the credit reports. Typically, when we file a dispute for you with the credit bureaus, the result will be a new credit report within about 45 days. This report will be sent to your home and will contain the results of our efforts. You will be the first to see any deletions or improvements after our challenges. Every so often, the credit bureaus will fail to conduct a dispute, or will fail to send a credit report at the completion of an investigation. Even more often, the client will put the credit report away and forget to forward the report on to the law firm. In these cases the cycle is broken and casework slows. To prevent the slowdown of your case, you must make sure that a credit report from each one of the credit bureaus arrives at your home every ninety days. If it has been longer than ninety days since your last credit report, please call our firm for assistance.
Electronic Signature, Power of Attorney = Lexington will do its best to restore your good credit. To do so, we need permission from you to write and sign letters to the credit bureaus and creditors in your name. By granting Lexington a power of attorney you give Lexington permission to write letters on your behalf. Your electronic signature is a Power of Attorney and authorizes us to represent you under the Fair Credit Reporting Act and other laws. You may cancel your electronic authorization by sending the law firm an email notifying us that you retract your electronic authorization. Since we will not be able to represent you without this electronic authorization, canceling it will also close your case. Feel free to print a copy of this page as your personal copy of our agreement.
NOTICE OF CANCELLATION
Federal law allows you to cancel this agreement without penalty or obligation at any time before midnight of the third (3rd) business day after the date on which you submit this agreement. Lexington Law Firm allows you to cancel this agreement anytime you feel you have achieved your desired results. To cancel this retainer agreement please call your client advocate at (800) 341-8441 or send email to victor@creditrights.org. Please include your name, client ID number or social security number. Please state your reason for canceling. You should receive a cancellation confirmation number by the end of the business day.
LEGALLY REQUIRED DISCLOSURE STATEMENT
I hereby agree to the above noted payments on the dates which I indicated.
I hereby agree that Lexington Law Firm may charge these amounts in the manner in which I have specified.
I hereby acknowledge that I have read the following disclosure statement:
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 credit fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations 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 3 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 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 bureaus 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
ELECTRONIC SIGNATURE, POWER OF ATTORNEY
Lexington will do its best to restore your good credit. To do so, we need permission from you to write and sign letters to the credit bureaus and creditors in your name. By granting Lexington a Power of Attorney you give Lexington permission to write letters on your behalf. Your electronic signature is a Power of Attorney and authorizes us to represent you under The Fair Credit Reporting Act and other laws. You may cancel your electronic authorization by sending the law firm an email notifying us that you retract your electronic authorization. Since we will not be able to represent you without this electronic authorization, canceling it will also close your case.
X__________________________________
CLIENT SIGNATURE
____________________
DATE
* Note: Signing your
signature above confirms that you are in agreement with Artistic! Capital
Corporation and that of Lexington Law Firm's policies, standards, agreements,
and services.
My signature below confirms my acceptance for additional
Credit
Enhancement Services as outlined on Artistic! Capital Corporation's website
linked herein. I agree to pay any additional fees or charges required
for the services in which I am interested in to ("agency"), Artistic! Capital
Corporation as so requested.
X__________________________________
(Sign here if purchasing additional services.)
CLIENT SIGNATURE
____________________
DATE
(Please print out, sign, fax or return by directmail as noted below.)
SIGN,
FAX OR MAIL TO:
Artistic! Capital Corporation
342 E. Jericho Tpke., Suite #334
Mineola, NY 11501-2111
Attn: Lexington Law Agreements
1-866-RTISTIC! (1-866-784-7842) FAX
IN A HURRY? OVERNIGHT YOUR APPLICATION
PACKAGE TO:
Artistic! Capital Corporation
1940 Deer Park Ave.,
Suite #254
Deer Park, NY 11729-3328
Attn: Credit Repair Signup
FAX: 1-888-886-0058 (24/7)
©2003 Artistic! Capital Corporation; ALL RIGHTS RESERVED.