Credit Services Agreement
This agreement (hereafter referred to as the “Agreement” or “Contract”) dated is between Ranieri Law, LLC (hereafter referred to as the “Firm”) a Florida Corporation, located in Broward County Florida and (hereafter referred to as the “Client”), (individually, the “Party” and collectively, the Parties”).
WHEREAS, the Client has requested the credit services (hereafter referred to as “Services”) of the Firm.
The Firm has agreed to provide credit correction and educational Services pursuant to the terms herein. This Agreement is dated and effective upon your confirmation.
This Credit Report Investigation and Correction Service Agreement between the Firm and the undersigned Client is for the purpose of investigation and improvement Services. The Services will include preparation of correspondence to the credit bureaus requesting removal of unverifiable, erroneous, outdated, misrepresented or incomplete information as you have indicated on the audit form as well as providing educational information. This is NOT a debt consolidation or bill payment program. The restoration Services will be performed as specified under Sections 605 and 609 of the Fair Credit Reporting Act. A consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated, or cannot be verified. If in the course of providing Services it is required to access additional credit reports, this Agreement provides permission to do so.
The Client understands they have retained the Services of the Firm for a period of one (1) year with a retainer fee of $79.95 per month. Your first monthly billing will begin 30 days from the date we receive your signed Agreement. You will be advised when the initial challenge is made. Monthly retainer billing will continue on that day each month or the closest business day each month. The average Client stays in the program for six to eight months. This Agreement can be cancelled at any time by telephone, fax, email or U.S. mail, however any work completed in the previous month prior to the date of cancellation will be billed as the final payment. Payments will be automatically debited from the account supplied by the Client (credit, debit or prepaid card). If after one year you do not cancel this Agreement it will automatically renew under the same terms and conditions. There are no other costs or fees. The Firm reserves the right to charge $10.00 for any returned payments. The Firm reserves the right to re-run any failed payments as well as to terminate any Agreement for non payment and/or if we feel no further work needs to be done.
The Client understands that the fee includes the continuing analysis/audit, investigation and disputes to the three credit bureaus, and all correspondence associated with the credit report audit and any other educational information available. All letters written on the Client’s behalf are work product and are to be considered proprietary and confidential. Client waives any right to receive copies of these letters. The Client agrees to send VIA MAIL all credit reports and/or correspondence received from the credit bureaus to the Firm within five days after receiving them. If Client has not received any credit reports or correspondence within sixty days after the date of the initial credit report analysis Client must notify the Firm.
Guarantee; if after two challenges and responses from the credit bureaus Ranieri Law, LLC is not able to improve or remove a single negative item, a maximum refund of up to 2 months fees representing two retainer fees paid shall be refunded if requested.
The Client hereby gives limited power of attorney to the Firm for the Services as outlined in this Agreement. The Firm will provide you with a counter signed copy of this Agreement for your records, as well as a copy of the cancellation acknowledgment and the Consumer Credit File Rights under State and Federal Law.
Client agrees that any dispute between or among the Parties to this Agreement shall first be submitted to mediation before a certified mediator with venue exclusively in Broward County, Florida. If not resolved then the dispute shall be submitted to arbitration in Broward County, Florida and conducted in accordance with the rules of the American Arbitration Association. Judgment upon any award may be entered in any court having jurisdiction. The laws of the State of Florida will govern this Agreement without regard to conflict of laws and any litigation that may ensue will be exclusively in the venue of Broward County, Florida, irrespective of place of residence or domicile. Regardless of where you live or where you sign this Contract, our Agreement, for all purposes is deemed to be entered into in Broward County Florida.
I hereby authorize you to access a copy of my credit report showing the three credit reporting agencies: Experian, Equifax and TransUnion. I understand that an inquiry may appear on my future credit reports from a mortgage company, a real estate company or a financial institution. I authorize you to complete any necessary paperwork on my behalf.
I ACKNOWLEDGE RECEIVING THE CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW ALONG WITH THE RIGHT TO CANCEL FORM IN DUPLICATE.
I give you my permission to receive telephone calls from your office or any other person or company that your office thinks can be helpful to me.
YOU MAY CANCEL THIS AGREEMENT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT ON THE 5TH BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THIS AGREEMENT.
This electronic signature is in compliance with the Uniform Electronic Transaction Act as expressed by Florida Statue 668.50
This agreement gives my permission for Ranieri Law, LLC to order my credit reports, with my scores, and the analysis of these reports. I understand there is a one-time fee of $79.95. I also understand that an inquiry may appear on future reports from a mortgage company, a real estate company or a financial institution. This service is intended only to advise me what items on my reports may have a negative effect on my credit scores (erroneous, outdated and/or unverifiable items).