Terms and Conditions

By visiting the web pages located at www.thecreditlady.org you agree to our terms and conditions and privacy policy.

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

1. Credit Repair Service Agreement (Federal Disclosure)
2. Authorization for Credit Repair Action (Federal Disclosure)
3. Consumer Credit File Rights (CROA, Federal Disclosure)
4. Right Of Cancellation Notice (Federal Disclosure)
5. Utah State Notice Of Cancelation (State Disclosure)
6 State Disclosure Statement (State Disclosure)
7. TheCreditLady LLC Retainer Agreement (State Disclosure)

The services we perform may include

(Terms 1 of 7)
Federal Disclosure: Credit Repair Service Agreement

I, {CLIENT NAME} hereby enter into the following agreement with The Credit Lady LLC.
The Credit Lady LLC hereby agrees to perform the following every 30 - 45 days for 12 months of date of signature as follows:
To evaluate Customer's current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer's credit reports.
To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer's credit reports.
To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

In exchange, I, {CLIENT NAME}, agree to pay the following fees as outlined in the client agreement

$150 a month for 12 months for our services ($1800.00 Total) and a one time $1 Client Credit Import Fee ($1 Total).
Do not add new negative items, increase open credit card balances, or add new inquiries.
All monthly payments must be paid, late payments may result in a late fee of $25.
Keep you credit monitoring site active!

(Terms 2 of 7)
FEDERAL DISCLOSURE: Authorization for Credit Repair Action

1. I, {CLIENT NAME}, hereafter known as "client" hereby authorize, The Credit Lady LLC, Po Box 18151, Salt Lake City, Utah 84118, to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments in writing of whatever and nature shall only be effective for any or all of the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be necessary or proper in the exercise of the rights and powers herein granted.

2. This authorization may be revoked by the undersigned at any time by giving written notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire twelve months from the date of signature.

3. The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.

4. I grant to The Credit Lady LLC, Po Box 18151, Salt Lake City, Utah 84118, authority to do, take, and perform, all acts and things whatsoever requisite, proper, or necessary to be done, in the exercise of repairing my credit with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally present.

5. I hereby release The Credit Lady LLC, Po Box 18151, Salt Lake City, Utah 84118, from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.

(Terms 3 of 7)

FEDERAL DISCLOSURE: Consumer Credit File Rights Under State and Federal Law
Consumer Credit File Rights (CROA Disclosure)

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a 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 up to 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 fraud.
You have a right to sue a credit repair organization that violated 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 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 that 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.
In the case that “client” chooses to exercise their right to proceed against the bond please contact:

“Utah residents” Hudson Insurance Company 1035 Greenwood Blvd. Suite 265 Lake Mary, FL 32746
“Florida residents” American Contractors Indemnity Company 1035 Greenwood Blvd. Suite 265 Lake Mary, FL 32746

(Terms 4 of 7)

FEDERAL DISCLOSURE: Notice of Right to Cancel

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

''To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to The Credit Lady LLC, Po Box 18151, Salt Lake City, Utah 84118, before midnight on the 3rd day which begins after the date you have signed this contract stating ''I hereby cancel this transaction, (date) (purchaser’s signature).’’

(Terms 5 of 7)

From
Name: {CLIENT NAME}
Address: {CLIENT ADDRESS}
Phone: {CLIENT PHONE}
Email: {CLIENT EMAIL}
Dob: {CLIENT DATE OF BIRTH}
Ssn: {CLIENT SSN}

STATE DISCLOSURE: UTAH STATE NOTICE OF CANCELLATION:

YOU MAY CANCEL THIS CONTRACT, WITHOUT PENALTY OR OBLIGATION, WITHIN FIVE DAYS FROM THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTNEN NOTICE, TO: The Credit Lady LLC AT The Credit Lady LLC, Po Box 18151, Salt Lake City, Utah 84118, NOT LATER THAN MIDNIGHT of the 5th day which begins after the date the contract is signed by you. (date)

I HEREBY CANCEL THIS TRANSACTION,

Date:____________________ Time:__________________________

Name:___________________ Signature:_____________________

(Terms 6 of 7)

STATE DISCLOSURE: State Disclosure Statement

You have the right to review your credit report. The Credit Reporting Agencies are required by law to disclose your credit report for free once every 12 months. You also have the right to review your credit report under certain other circumstances, free of charge, as outlined in 15 U.S.C. 1681. If you have been denied credit you may request a review of your credit file free of charge within 30 days of denial by contacting the credit reporting agency that issued the report upon which the credit denial was based. If you already requested a free copy of your credit file please note the average cost as of Jan 7th 2024 for a copy of your credit file offered from the 3 major credit bureaus websites is $29.95.

You will be charged $29.99 per month (may vary) by a third party site in order to monitor your credit reports for as long as you choose to remain a member ($179.94 total for 6 months of credit monitoring). This provides access to your 3rd party credit monitoring services. This fee may vary based upon individual circumstances. We will provide you a copy of your credit report that is pulled for your individual records. You have the right to dispute the completeness or accuracy of any item contained in your credit report that you feel is inaccurate, incomplete, unverifiable or misleading. Since only you can know what is accurate on your credit report we follow your instructions regarding items to dispute.

TheCreditLady, LLC services include but is not limited to be performed every 30 - 45 days for 12 months of date of signature as follows: a)To evaluate Customer's current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer's credit reports. b)To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer's credit reports. c)To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. You will be charged $150 a month for 12 months for our services ($1800.00 Total) and a one time $1 Client Credit Import Fee ($1 Total). You will not be charged prior to receiving services. If you are not satisfied with our services please contact us and we are happy to work with you to resolve your questions or concerns.

TheCreditLady, LLC Refund Policy:

No refunds are given on this agreement.

TheCreditLady, LLC is bonded to operate as a credit repair organization in the state of Utah. This is to protect our customers and to provide a way for them to be made whole should we violate any laws. You have the right to proceed against our bond in that case.

Here is our bond company’s information:

“Utah residents” Hudson Insurance Company 1035 Greenwood Blvd. Suite 265 Lake Mary, FL 32746
“Florida residents” American Contractors Indemnity Company 1035 Greenwood Blvd. Suite 265 Lake Mary, FL 32746

(Terms 6.1 of 7)

STATE DISCLOSURE: New York State Disclosure Statement
Under New York law no fee may be collected in advance of performance of the services specified in this contract.

RIGHT TO REVIEW YOUR FILE
The Federal Fair Credit Reporting Act gives you the right to know what your credit file contains, and the consumer reporting agency must provide someone to help you interpret the data. The New York Fair Credit Reporting Act gives you the right to receive an actual copy of your credit report. You will be required to identify yourself to the consumer reporting agency and you may be charged a small fee. There is no fee, however, if you have been turned down for credit, employment, or insurance because of information contained in a report within the preceding thirty days."

INCORRECT INFORMATION
Consumer reporting agencies are required to follow reasonable procedures to ensure that subscribing creditors report information accurately. However, mistakes may occur. When you notify the consumer reporting agency in writing that you dispute the accuracy of information, it must reinvestigate and modify or remove inaccurate data. The consumer reporting agency may not charge any fee for this service. Any pertinent data you have concerning an error should be given to the consumer reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inaccurate. The consumer reporting agency must include your statement about disputed data -- or a coded version of it -- with any reports it issues about you. New York law also provides that, at your request, the consumer reporting agency must notify any person who has received a report in the previous year that an error existed and furnish such person with the corrected information."

TIME LIMITS ON ADVERSE DATA
Most kinds of information in your file may be reported for a period of seven years. If you have declared personal bankruptcy, however, that fact may be reported for ten years. After seven years or ten years, the information can't be disclosed by a credit reporting agency unless you are being investigated for a credit application of $50,000 or more, for an application to purchase life insurance of $50,000 or more, or for employment at an annual salary of $25,000 or more.

(Terms 7 of 7)

STATE DISCLOSURE: TheCreditLady, LLC RETAINER AGREEMENT
3rd Party Credit Monitoring Payment and Terms:

You will be charged $29.99 per month (may vary) by a third party site in order to monitor your credit reports for as long as you choose to remain a member ($179.94 total for 6 months of credit monitoring).
This provides access to your 3rd party credit monitoring services. This fee may vary based upon individual circumstances. We will provide you a copy of your credit report that is pulled for your individual records.

TheCreditLady, LLC services Payment and Terms:

You will be charged $150 a month for 12 months for our services ($1800.00 Total) and a one time $1 Client Credit Import Fee ($1 Total). You will not be charged prior to receiving services.
TheCreditLady, LLC services include but is not limited to be performed every 30 - 45 days for 12 months of date of signature as follows: a)To evaluate Customer's current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer's credit reports. b)To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer's credit reports. c)To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

TheCreditLady, LLC Refund Policy:

No refunds are given during this agreement.

This work is completed before you are charged on the day that you chose for your billing date. Thereafter you will be charged monthly on your billing date. If for some reason we fail to complete any part of this process, we will notify you and you will not be charged.
Payment is due after the monthly work is completed. TheCreditLady, LLC (the Company) will use federal and State law to work to improve your credit by challenging credit items which you believe to be inaccurate or unverifiable. We will generate disputes to the credit bureaus for you. We cannot guarantee a specific outcome or accurately predict how long it the process will take. You may cancel this agreement at any time.
At the same time you agree to:

Use the Company and our online service to review negative items you believe may be inaccurate or unverifiable and provide an electronic signature giving the Company limited power of attorney to perform work in your name and on your behalf.
Pay the Company $150 a month for 12 months for our services ($1800.00 Total) and a one time $1 Client Credit Import Fee ($1 Total).
Mail or email your credit reports upon receipt of them, forward to us copies of all correspondence from the credit bureaus and creditors, and promptly inform us of any change of your address.
You acknowledge that you sought out the Company in the State of Utah to perform these services.
In the event of a disagreement with the Company you agree to participate in binding arbitration and not to participate in any class action.
You authorize us to discuss your case with your spouse.
Disputes created on your behalf by the Company are proprietary and will be kept as part of your client file.
This agreement, including its links and definitions, constitutes the entire agreement between you and the Company and may only be modified in writing.
If any part of this agreement is determined to be invalid or unenforceable, the remaining parts shall not be affected. Failure to complete these activities will void the warranty.

Our principal business address is Po Box 18151, Salt Lake City, Utah 84118. Our registered agent for service of process is Andrea Martinez located at 4561 w 5780 s, Salt Lake City, Utah 84118

LEGALLY REQUIRED DISCLOSURE STATEMENT

I hereby agree to the above-noted payments on the dates which I indicated.

I hereby agree that the Company may charge these amounts in the manner in which I have specified.

I hereby acknowledge that I have read the disclosure statement:

You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

I hereby acknowledge that I have received a copy of this Retainer and that I have read and understood its contents. I agree to comply fully with all of its contents.

Signature Below

ELECTRONIC SIGNATURE, POWER OF ATTORNEY

In order to work on your credit the Company needs your written permission to send disputes to the credit bureaus in your name. By granting the Company a limited power of attorney you give the Company permission to write letters on your behalf. Your electronic signature provides the Company with a Limited Power of Attorney and authorizes the Company to represent you under the Fair Credit Reporting Act and other laws. You may cancel your electronic authorization by sending the Company an email notifying us that you retract your electronic authorization. Since we are not able to represent you without this electronic authorization, canceling it will also close your case.

EXPLANATION OF TERMS USED IN RETAINER AGREEMENT, ABOVE

Dispute or Challenge Items - The Company disputes the inaccurate items that you indicate by drafting dispute letters or sending electronic disputes on your behalf to the credit bureaus. The credit bureaus are legally obligated to investigate the items that are disputed. If the credit bureaus are unable to verify the items listed they are required by law to remove the items from your report. As you forward any correspondence from the credit bureaus the Company tracks the timely dispute of your credit reports and will keep your case on track.

Inaccurate or Unverifiable - The Fair Credit Reporting Act requires that any listing that is found to be inaccurate or unverifiable must be removed from your credit report. Very often, the creditor who reported the listing is not able to verify the accuracy of the listing. In these cases the law requires that the listing be removed. The Company maintains an excellent success rate disputing inaccurate items. In order for the Company to proceed with your case you must indicate which items you believe should be disputed.

Results Not Guaranteed - As with any service, the Company cannot guarantee results.

Pay - In accordance with federal regulation, the Company charges for services that have already been performed. The Company will not charge you before we have completed the promised work on your behalf.

Mail - The most important correspondence you will receive from the credit bureaus will be the updated information provided by the credit bureaus. Typically, when we file a dispute for you with the credit bureaus, you may receive a new credit report within roughly 45 days. This report will be sent to your home address and will contain the results of the dispute round. You will be the first to see any deletions or improvements after items are disputed. 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. 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 at least every ninety days. If it has been longer than ninety days since your last credit report arrived, please call us for assistance.

Forward - You will receive a variety of correspondence from the credit bureaus while we are disputing items. It is important that you send each piece promptly to the Company so that your case stays on track. Not forwarding credit bureau correspondence to the Company can create problems and slow the dispute process. Mailing or emailing credit bureau correspondence is generally the best way to submit clear copies to the Company. We appreciate your extra effort in mailing or emailing credit reports.

Choice of Law - This agreement, and all actions and obligations performed thereunder, are deemed to have been executed and performed exclusively in the State of Utah for all purposes--regardless of where you may reside. This agreement shall be governed by Utah law without regard to conflict of law provisions. Any legal actions shall be initiated only in Salt Lake County, Utah. You and the Company agree to submit to the personal and exclusive jurisdiction of courts located within Salt Lake County, Utah. If a court of competent jurisdiction finds any portion of this agreement invalid or unenforceable the remaining provisions and portions hereof shall not be affected.

Binding arbitration - Any dispute arising between you and the Company shall be resolved in Salt Lake City, Utah, by binding arbitration pursuant to the Commercial Rules of the American Arbitration Association. You agree to abide by such rules pertaining to the selection of arbitrators and that the arbitrators have no authority to change this agreement. You agree that any decision rendered in arbitration shall be filed and adopted by any court having proper jurisdiction.

Discuss your case - You give the Company permission to discuss your case with your spouse and or your affiliate if you were referred by an authorized affiliate. This allows us to better serve you by speaking with your spouse and or affiliate about your case on behalf of your credit reports and scores or receiving updated information from your spouse and or your affiliate. You may revoke permission at any time by notifying us in writing or by email. We will not discuss your case with anyone else unless you provide express permission to do so in writing. Also by becoming a client of the Company you expressly acknowledge and agree to waive any potential conflict of interest that may arise between you, your spouse and or affiliate.

Social media and advertisement release of liability - You give the Company permission to share your results to social media platforms and all other platforms chosen by the company and use it for advertisement purposes. This allows us to create awareness in the community. You may revoke permission at any time by notifying us in writing or by email. Also by becoming a client of the Company you release the company from all liability and expressly acknowledge and agree to waive any potential conflict of interest and liability that may arise from advertising your results on social media and all other platforms.

Satisfied with the results before or after 12 months or work complete - If you are satisfied with the results or work is completed on client credit report authorization to dispute form before 12 months you may pay off any remaining balance of this agreement in full and no further payments will be due. If you would like to continue after 12 months this agreement will stay in effect and you may pay the monthly payment in this agreement on a month to month basis until you notify the company in writing that you are satisfied with the results and no longer need our service or work is completed on client credit report authorization to dispute form.

Amendments - The terms and conditions of this agreement shall be amended, updated and changed from time to time. The company will send you a terms and conditions update letter explaining the changes to your last known email address we have on file for you. You agree to those changes and the changes shall be in effect 30 days after the date in the terms and conditions update letter.

100 point warranty - We warranty a combined 100 point increase in your credit scores, spread across the 3 Credit Agencies in 90 days. This is a Collective increase and not per Bureau. To not void your warranty, do not receive any new inquiries, do not increase your credit card balances, do not add any new negative marks to your credit reports. and keep your credit monitoring site active. All monthly payments must be paid, late payments may result in a late fee of $25. If we fail to deliver on that warranty you may exit the remaining balance of the client agreement if you choose after the 90 day follow up is completed.

You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

I hereby acknowledge that I have received a copy of this Retainer and that I have read and understood its contents. I agree to comply fully with all of its contents.

Acknowledgment of Terms 1 through 7

I, {CLIENT NAME}, hereby acknowledge with my digital signature, receipt of Terms 1 through 7 of this agreement. I confirm the fact that I agree to Terms 1 through 7 and understand what I am signing, and acknowledge that I have received a copy of this Agreement.

In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.

It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.