Asking for a power of attorney when talking to creditors should also be part of your welcome package contract. The Customer also understands that if every effort is made to avoid this, it may be necessary to settle certain debts with the creditors themselves in order to improve the Customer`s creditworthiness after the conclusion of this Agreement. Customer shall give Omega, its agents, officers, employees and agents the authority to communicate and negotiate with creditors and credit reference agencies, including signing the name of the Customer for whom this limited power of attorney is granted. The Customer understands that negotiating or corresponding in any way (telephone, mail, etc.) with creditors, debt collection agencies and credit reference agencies during the contract period, although this is not excluded by this Agreement, could significantly and negatively affect the results. The Federal Trade Commission regulates credit reference agencies and credit repair agencies. For more information, please contact: If you have been a victim of identity theft, call or email Attorney Gary Nitzkin of Credit Repair Lawyers of America in gary@creditrepairlawyersam.com or (855) 956-2089 There are many places on the Internet to get contracts. If you go to www.howtostartacreditrepairbusiness.com, you can certainly see resources there to get a copy of a contract. DisputeSuite also has a sample loan repair agreement that you can also purchase. But as always, you need to check it with a lawyer to make sure it contains all the necessary information and is compliant.

After submitting the online registration, the customer will be contacted for payment information. This Agreement will not be effective in its entirety until payment information is received and verified. The registration date will be used as the invoice date for all contracts, except in the case of registrations made from the 29th to the 31st of a given month, in which case the payment will be processed on the 28th of each month. In the event that a payment is refused, Omega is entitled to charge any amount up to the scheduled payment or the amount due until the total amount due, including late fees, has been collected. A fee of $30 will be charged for all payments returned, declined, late or cancelled. If the customer requests that a normal payment date be postponed up to 7 days after the original date, a fee of $25.00 will be charged at the time of such request, with the full amount of the payment due at the time of deferred payment. A deferral of a single payment date does not affect the date of future payments. The same fee of $25.00 applies to all deferred payments, up to a maximum of two, subject to the same conditions. In the event that a payment date needs to be delayed, all work on the file will be suspended until the agreed fee has been paid and status updates of any kind will not be available on the account until the account is updated. Customer also grants Omega all legally permitted collection mechanisms and the right to recover all collection costs, including but not limited to returned or cancelled payment costs, attorneys` fees and court costs, to the extent permitted by law. You have the right to terminate your contract with any credit repair organization for any reason within 3 business days of the date you signed it. Your contract must describe in detail what the service is, a description of the services to be provided.

If you have a guarantee or offer refunds, this should be clearly stated here. No services can be provided by a consumer credit repair organization: you have the right to receive a copy of your credit report from a credit bureau. You may be charged a reasonable fee. However, there is no charge if you have been rejected for credit, employment, insurance or rental apartment in the last 60 days based on the information on your credit report. The credit bureau must provide someone to help you interpret the information in your credit report. You have the right to receive a free copy of your credit report if you are unemployed and intend to apply for employment within the next 60 days, if you are on social assistance, or if you have reason to believe that your credit report contains inaccurate information due to fraud. Keep in mind that any contract you get offline is probably not applicable exactly to what you do, exactly to the service you offer. So, in order to be fully compliant, it`s always best for a lawyer to review your contract and adapt it to the law of your specific state and match it to any special services you`ll offer. This is an extra effort that pays for itself in the long run. You have the right to sue a credit repair organization that violates the Credit Repair Organization Act.

This law prohibits the fraudulent practices of credit repair organizations. It`s not enough to give the customer one and tell them to make a copy, you have to physically give the customer two copies. As it is called in the electronic environment, as long as the printed version is exactly as you would give it two copies. That`s good too. I suggest that you ask a lawyer to look at any agreement you have made, any type of contract. In addition, by means of the electronic signature provided on this website, the Customer authorizes Omega and its agents, employees and business partners to receive, verify and retain the credit reports of the three major credit reference agencies resulting from the performance of the Agreement, within a period not exceeding 60 days after the expiration of this Agreement and for 60 days after the expiration of this Agreement. An original, unmarked copy of all credit correspondence from a creditor or credit reference agency must be sent to Omega within 5 (five) business days of receipt. NO PHOTOCOPIES OR FAXES ARE ACCEPTED. These services are urgent and, if they do not, it would have a significant impact on the effectiveness of these services. If the Customer wishes to retain copies of the creditor/office correspondence, the Customer must make copies of them himself before they are submitted to Omega for review or processing. Copies of the credit repair file will no longer be made after submission to Omega. Due to the exclusive nature of the letters used in the collection process, copies of the letters omega sends to creditors and/or credit reporting agencies are not available to the customer.

The Public Reference Branch Federal Trade Commission Washington, D.C. 20580 Customer`s initial credit reports serve as the basis for improving or repairing credit reports, and Omega is not responsible for providing services for any derogatory changes to Customer`s reports after the date of this Agreement. The Customer understands that he is required to provide the original credit report for verification and repair purposes at the time of registration or before. Free and unrated reports can be obtained from www.annualcreditreport.com once every twelve months, and rated reports and monitoring services are available from www.creditgecko.com. All costs for such reports or monitoring services are the sole responsibility of the customer. The use of www.annualcreditreport.com reports may extend the time available to credit bureaus to verify accuracy and completeness under federal law. Customer also understands that the addition of new derogatory information will negatively affect the results of Omega`s service and could have a material impact on the expected completion date of the service provided in this Agreement. You can even notify a credit bureau in writing that you are disputing the accuracy of the information in your credit report. The credit bureau must then re-research and edit or delete inaccurate or incomplete information.

The credit bureau cannot charge a fee for this service. All relevant information and copies of all documents you have regarding an error must be given to the credit bureau. Finally, by submitting this registration, the Customer acknowledges that all information submitted is authentic and will be submitted by the party or parties listed. The submission of false information will be construed as fraud, and Omega, on behalf of an aggrieved party, will vigorously pursue or assist in prosecuting any civil and criminal sanctions or liabilities against any party responsible for the intentional misuse of this form or information obtained as a result of submitting fraudulent information using this form. . . .