TERMS OF USE
You should make a copy of any form you send to us to keep for your records . After making copies of correspondence from the credit bureaus please forward that correspondence to us as soon as possible . Our only concern is to help you improve your credit score, obtain loans, and the credit that you deserve and need. Our services are for those of you who do not have the time, knowledge or inclination to do this type of work.
Scope of Services
The purpose and scope of these Terms of Use are that Client and KJR Credit Repair are entering into a Client Services Agreement. KJR Credit Repair will assist the Client in credit related matters and is authorized by Client to perform services including, but not limited to: 1) setting up the Client's file, 2) providing assistance in obtaining Client's credit reports, 3) evaluating Client's credit reports, 4) communicating with and informing Client of his/her rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Transactions Act ( FACT Act ), Equal Credit Opportunity Act ( ECOA ), Fair Credit Billing Act ( FCBA ), and The Fair Debt Collection Practices Act ( FDCPA ). 5) Assisting the Client in the process of removing obsolete, incorrect, misleading, inaccurate, and unverifiable information from his/her credit reports that is not in compliance with the Federal Fair Credit Reporting Act, and other credit related services. KJR Credit Repair as requested by Client, 6) will be acting as a credit counselor to Client. KJR Credit Repair cannot, by law and does not guarantee to get everything removed from you report file if the creditor followed every Act and every law. However, KJR Credit Repair does extend a money-back warranty; please see the section below entitled "Warranty". KJR Credit Repair cannot guarantee the amount of time each Client will need KJR Credit Repair. This agreement's duration is one year , the average Client is in KJR Credit Repair program for 3-6 months. KJR Credit Repair makes every effort to legally improve your credit reports to the best possible status. KJR Credit Repair follows the guidelines set forth in the Fair Credit Reporting Act ("FCRA" ) and we stay current on all new laws enacted to protect consumers from the derogatory information that is reported on credit reports. Each Client should be aware of the availability of nonprofit credit counseling services to help them with their credit problems.
Client Agreement
KJR Credit Repair commits to working diligently assisting the Client. KJR Credit Repair will submit items for removal to the Credit Bureaus based on its professional judgment without jeopardizing KJR Credit Repair ability to challenge such items. Client agrees to provide KJR Credit Repair with any and all information, in a timely manner , needed to facilitate the services to be provided to Client. Client authorizes KJR Credit Repair, its employees, and servants to prepare all necessary correspondence relating to KJR Credit Repair and to submit to KJR Credit Repair any additional information required to legally support those services. Client agrees to immediately forward all correspondence from the credit bureaus, creditors or others relating to services provided by KJR Credit Repair to KJR Credit Repair without responding to the correspondence they have received . Client agrees to the terms of the Limited Power of Attorney found below. Client understands that all disputes must be true and accurate to the best of Client's knowledge and that KJR Credit Repair will not produce any information that is not accurate to the best of KJR Credit Repair knowledge. Please notify KJR Credit Repair if you believe any item should not be challenged. KJR Credit Repair will request verification of all obsolete, incorrect, misleading, inaccurate, unknown and unverifiable information being reported negatively by the credit reporting bureaus and will use every legal means of removing such negative data from Client's reports so that Client can restore their credit history to a most favorable status. KJR Credit Repair does not change, or advise Client to change, Client's identification, social security number or any other personal data in an effort to gain credit under a different identity. Client understands that KJR Credit Repair is contracting to help Client with problems in the way Client's credit is being reported by the credit bureaus and KJR Credit Repair does not provide debt negotiation services nor does KJR Credit Repair in any way affect any legitimate debts or payments owed to third parties by the Client.
Initials:
Limited Power of Attorney
As a member of KJR Credit Repair you agree to give KJR Credit Repair a limited Power of Attorney. This limited Power of Attorney is used only to help you with credit related matters and may not be used outside of the scope of services described in this Terms of Use. Client agrees to give and appoint KJR Credit Repair it's officers, employees and agents, assistants this limited Power of Attorney on Client's behalf for, but not limited to, the following matters: 1) signing of my name on correspondence addressed to the credit bureaus , 2) signing of my name on correspondence addressed to creditors, 3) obtaining credit information over the telephone, fax, or electronically through written or electronic correspondence from credit bureaus, creditors or collection agencies, 4) and perform all those things necessary and proper in KJR Credit Repair professional judgment on Client's behalf to perform the services stated in this Terms of Use . I further authorize KJR Credit Repair, its agents, servants and employees to obtain any information in my credit report that may involve medical records and/or credit records. I hereby direct said record holder to release such information upon the request of the bearer of the authorization to release information and durable Power of Attorney for limited purposes. 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 Bureau, (Trans Union, Equifax, Experian, CSC, etc…) consumer reporting agency, retail business establishment, lending institution, student loan agencies (public and/or private), 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. Client has the right to revoke or terminate this Power at any time. This Power shall terminate at the Client's request or when the services stated above are complete: All questions pertaining to validity, interpretation and administration of the Power shall be determined in accordance with the laws of the State of Arkansas . This power is valid throughout the United States . Client agrees to hold harmless and indemnify KJR Credit Repair for any claim or expense arising from use of this Power of Attorney. Consumer Credit File Rights Under State and Federal Law.
We are required by the Federal Trade Commission and State Laws to Keep This Document with Your File .
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 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 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 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 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
Initials:
Additional Information
KJR Credit Repair has the right to change the rights and terms of this agreement at any time (including fees ). KJR Credit Repair operates legally and adheres to the FCRA, and no one, including KJR Credit Repair , can tell you that accurate and verifiable information can be removed from your credit reports. Client agrees that Client is aware that KJR Credit Repair will only operate within FCRA and cannot and has not promised that accurate and verifiable information can be removed from your credit reports. Client agrees and understands that they are paying up front only for the application fee and one dollar each month for services that have already been performed. Client agrees that he/she is only paying for services already performed at all times. Client agrees to indemnify, defend and hold harmless KJR Credit Repair, and all of its owners, directors, officers, agents, employees, affiliates (all together, the "Indemnified Parties") from any and all liabilities, claims, suits or other actions arising out of this Terms of Use, or your breach thereof, or any use of such or any performance of the services herein by KJR Credit Repair, including any and all attorney's fees and costs. You should cooperate as fully as possible with KJR Credit Repair if any such action should arise and should not take any action if such action should arise without the consent of KJR Credit Repair . This agreement shall be construed under the laws of the State of Kentucky and Client agrees that any dispute arising from this agreement or any services related thereto shall be resolved by binding arbitration in Bowling Green, KY, under the American Arbitration commercial arbitration rules and KJR Credit Repair liability shall be limited to the amount of fees paid by Client. If any part of this agreement shall be found invalid or unenforceable the remainder of this agreement shall remain valid and in effect. Client agrees that these Terms of Use is the only agreement between KJR Credit Repair and the Client.
Agreement
Client agrees that they have read this Terms of Use, their Consumer Credit File Rights Under State and Federal Law, and that they are signing each section of this Terms of Use, their Consumer Credit File Rights Under State and Federal Law, and each agreement in the process of sign-up with their signature.