Credit Assistance Membership Agreement

Credit Assistance Membership Agreement Contract

SERVICES INCLUDED WITH MEMBERSHIP:

*Credit Counseling

*Credit Education

*Stop Creditor Harassment

*Debt and Interest Negotiation

*Credit Restoration Assistance

*Credit Rebuilding

*Stop Credit Inquires Without Client Authorization

*Reduce Unsolicited Offers for Credit or Insurance

CREDIT RESTORATION DISCLAIMER

Credit Help USA charges for membership into it‘s credit assistance and education program. Credit Help USA does not charge for any other individual services listed above. These services are free with the Credit Assistance and Education Membership. This includes referral to other companies that can help our clients with a particular need.

I UNDERSTAND THERE IS NOTHING THAT CREDIT HELP USA DOES FOR ME THAT I CAN’T DO FOR MYSELF. I understand that I can dispute information with the credit bureaus directly. Credit Help USA has only promised to improve my credit profile by removing inaccurate information. At no time have they promised to remove accurate information. They have provided me with averages their clients see in improvements, but have stressed these are averages only and not guarantees. The only guarantee offered is in the GUARANTEE SECTION of this contract. All of my questions have been fully answered. I further understand, under the Texas Finance Code (chpt 393.105-5) and the Federal Fair Credit Reporting Act (15 U.S.C. Sec 1681 et seq.) a consumer may view the information maintained by those agencies.

This information is free if you have been turned down for credit with-in the last 60 days or for a nominal fee otherwise. The CRA must also advise you of your right to dispute inaccurate information. The CRA must advise you that accurate information cannot be removed, how long negative items remain and the availability of non profit credit counseling services. Credit Help USA is not a law firm, nor any of its employee’s attorneys. Credit Help USA does not provide legal advice and only counsels its clients so they may better understand the credit industry.

CLIENT OBLIGATION

Client agrees to make all payments by the due date and provide Credit Help USA with a copy of their Driver’s License or State Issued ID Card, Social Security Card or acceptable alternative, and proof of address. Client agrees to join True Credit for monthly monitoring of their credit. Client must provide Credit Help USA with all documents received from the credit bureaus in a timely manner. This process should be by e-mail or faxed to:

CREDIT HELP USA/CORPORATE OFFICE

lesliemathis@credithelpusa.org

Fax: 214-988-5190

Client should receive documents from each of the three major credit bureaus no longer than every 60 days. The client should keep track of the dates and if they do not receive the required documentation call CUSTOMER SERVICE at 817.909.0504

Client will not have direct contact with the credit bureaus. Client must notify Credit Help USA of any change of address and provide Credit Help USA with new proof of address documents as soon as possible.

GUARANTEE

If the client follows all directives of Credit Help USA and does not add any negative items to their credit reports, Credit Help USA guarantees to raise their overall credit profile or Credit Help USA will refund the Client’s money at the rate of 100%. Refunds will only be considered when the contract expires.

PAYMENTS

***** (IMPORTANT INFORMATION) *****

All payments will be processed by Honeycutt Financial Services. Due date is 30 days from the date of the signature on the contract. The 30 days begin on the day the contract is signed. If the 30th day falls on a Saturday or Sunday the payment should be made on the Friday before… All payments must be made in a timely manner. There is no grace period. If payment is not received on or before the due date or if a payment does not clear a $30.00 late fee will be added.

After the due date the account will be suspended until payment is made.

When an account becomes more than 10 days past due the account will be permanently closed. Merchant fees apply for all debit/credit card payments and check by phone payments if applicable at time of service. There is a $30.00 returned check fee on any dishonored checks.

AGENT AND ADDRESS

Agent for Credit Help USA is Leslie Mathis, Fax: 214-988-5190; Phone: 817.909.0504

This Agreement made on Date is here by agreed upon by

Your First name
Your Last Name
MI
JR/SR :
Social Security Number :
Date of Birth
Address
City
State
Zip Code
Phone


LIMITED POWER of ATTORNEY

Be it known that, I the undersigned, am the individual/authorized officer of the business/personal entity listed and as such do hereby grant a “Limited Power of Attorney” to Credit Help USA, and any and all persons in their employ, as an agent to have the necessary power and authority to undertake and perform the following on my behalf.

I hereby give permission to Credit Help USA to sign my name on all documents written on my behalf as my agent for the purpose of negotiating the reduction of any debt, negotiating the interest on any debt, stopping creditor harassment and illegal attempts to collect any debt in my name, disputing inaccurate , erroneous, obsolete and un-verifiable credit information contained in my credit reports by consumer reporting agencies and any other reasonable and legal methods to assist me in any credit issue. This “Limited Power of Attorney” is given to Credit Help USA in compliance with section 611 of the Federal Fair Credit Reporting Act and shall be good for six months from the date of this agreement.

YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANYTIME BEFORE MIDNIGHT OF THE THIRD DAY AFTER THE DATE OF THIS TRANSACTION.

DOCUMENTS NEEDED

I agree to provide the following documentation for processing purposes



yes Copy of State Issued Driver’s License or ID card or Military ID Card.


yes Copy of Social Security Card, W-2, Pay Stub (you may black out any info you don’t want seen), or Insurance Card.


yes Copy of Utility Bill. This can be any bill that goes to this address and can be in anyone’s name as long as the address is correct. Bills are electric, water or phone, but any will do if the address on the driver’s license is correct and matches the bill. If the address on the drivers license or Id is incorrect, we will need two utility bills to confirm mailing address.


yes I agree that I will join a credit monitoring service to monitor my credit reports monthly while in services.

Your Legal Name
Your email

Add Your Signature Here :

Signed by Leslie Mathis
Signed On:

Send One Item From Each Category As Soon As Possible To:

Credit Help USA

C/O Leslie Mathis

Fax # 214-988-5190

or by email lesliemathis@credithelpusa.org

I understand that my contract cannot be started until Credit Help USA receives the documents that have been listed above.