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Review the following agreement

General Terms and Conditions:

A. This Credit Repair Service Contract between ARC Credit Counseling, and the undersigned ("Client") (refers to both in case of a couple) is for the purpose of purchasing credit report improvement services ("Services"). The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the Client states appear on the credit reports which the Client has furnished with ARC Credit Counseling.

This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated or erroneous information must be removed from consumer credit reports by reporting agencies. ARC Credit Counseling agrees to use its best efforts to provide the services, and will perform such services in accordance with federal law and New York state law.

The client understands that ARC Credit Counseling is not responsible for any legal actions taken by creditors against the client mentioned in this contract prior, during or after our services. The client understands services provided are directly for use of disputing any information indicated by client on the interviewer section and not for any other use.

B. Set Up Fee. ARC Credit Counseling will setup Client’s case file, including but not limited to, creating online portal with secure passwords, and creating helpdesk accounts and reviewing credit reports. After the initial setup has been completed, ARC Credit Counseling will audit the Client's credit reports and develop a plan to delete/update, correct or change inaccurate, unverifiable and obsolete items under current federal and state law during this Agreement. Client understands and agrees that after client is fully set up in our system a fee of $150.00 for an individual, and $50.00 for a couple, will be due, and that this fee is for all costs and fees associated with the client set up on our system.

Client will be billed each month during the term of this Agreement, after an investigation request has been sent to one of the three major credit bureaus. Client understands and agrees that after a month of services has been fully performed, a fee of $75.00 for an individual, or $125.00 for a couple, will be due, and that this fee is for all costs and fees associated with the previous month's services. All fees are fully earned when billed. This process will continue until Client gives notice of Client’s intent to terminate this Service Agreement.

The Client understands that each month Client is active a new bureau dispute will be initiated. Periodically throughout each month, ARC Credit Counseling agrees to perform analysis/audit of case files, all correspondence associated with the credit improvement process, the review for changes requested by the Client to the Client's credit reports as a result of contacts made on the Client's behalf with each applicable credit bureau, creditor or public record holder, phone consultations with client and the continuing planning and creation of documents for the purpose of credit report improvement.

C. Termination. Either party may terminate this agreement at any time by sending the attached termination form. Since ARC Credit Counseling bills in arrears, Client will be responsible to pay for all services performed during the thirty (30) day period after notice of termination has been received.

D. Services Completion/Total Payments. Client’s service is completed each month on the day before your scheduled billing cycle. The total number of payments Client will make to ARC Credit Counseling will be based on the client’s desired number of completion service months.


E. Money Back Guarantee/Refunds. If Client is unsatisfied with the results and Client has been with ARC Credit Counseling for a minimum of one year, and Client has fulfilled all of the following requirements: (a) forwarded credit bureau responses within 5 days of receipt, (b) did not engage in any credit repair efforts before the date of this contract, (c) has had no payment issues, (d) complied 100% with the commitments to the service, and (e) has not had any improvement to Client’s credit report by removing 50% or more of derogatory items from Client’s account, ARC Credit Counseling will base refund on payments made to ARC Credit Counseling less $75 per deleted/updated item upon Client’s written request. This request must be made within 14 days of receipt of the Notice of Cancellation form.

Client understands that the results obtained by ARC Credit Counseling on behalf of Client are dependent on numerous factors, including but not limited to Client’s ability to repay debts and loans, cooperation of Client’s creditors, and credit bureaus ability to verify information provided to them by ARC Credit Counseling on behalf of Client.

F. Exclusive Agent. During the term of this Agreement Client agrees to only communicate with the credit bureaus through ARC Credit Counseling written correspondence. Client represents and warrants that all information given to ARC Credit Counseling is truthful and accurate to the best of Client’s knowledge.

G. Disclosure Acknowledge. Client acknowledges and understands that with proper information Client could undertake the same or similar techniques to repair his or her own credit. Notwithstanding that fact, Client is choosing to hire this ARC Credit Counseling to undertake the services outlined in this Agreement without duress or provocation. Client agrees to hold ARC Credit Counseling and it employees, officers, directors, agents and representatives harmless from any claim, suit action or demand made by any of Client’s creditors or any other person which may arise from the action(s) taken by Client’s creditors in connection with any services rendered by ARC Credit Counseling on Client’s behalf. Client understands that ARC Credit Counseling will aid Client by providing the services outlined in this Agreement.

H. General Provisions. (a) This Agreement is entered into in the State of New York for performance in New York. The laws of the State of New York shall govern its interpretation and performance. (b) This Agreement represents the entire Agreement of the parties with respect to the subject matter hereof. There are no other provisions expressed or implied which are not contained in this Agreement.

There are no representations nor warranties expressed or implied except those explicitly stated herein; (c) No representative of ARC Credit Counseling has the authority to waive or modify any provision in this Agreement unless such provision is in writing and signed by ARC Credit Counseling’ Executive Director/ President; (d) This Agreement is binding upon Client’s heirs and personal representatives; (e) In the event ARC Credit Counseling engages in collection efforts, client will be required to reimburse for out-of-pocket expenses, including attorney’s fees, as the result of such efforts. In the event of litigation, reasonable attorney’s fees and costs shall be awarded to the prevailing party; and (f) New York City Superior Court, in New York, New York shall have exclusive jurisdiction to hear any disputes arising under this Agreement and Client agrees to such jurisdiction and venue.

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