CreditDisputePros.com
4960 South Gilbert Road – Suite 1-305
Chandler, Arizona 85249
Bus (480)460-2523 - Fax (866-913-5371
CreditDisputePros.com
4960 South Gilbert Road – Suite 1-305
Chandler, Arizona 85249
PH: 480.821.9108
 
Thank you for enrolling in our credit repair service. To get started, you will need to read and follow the instructions below. Please read the entire welcome packet as it contains important information about your account!
 
We will need this paperwork before any further work can begin on your file. Included in this package, you will find the following, complete, sign and fax back immediately:
 
Consumer Credit File Rights
Contract and Authorization for Payment
 
If we do not already have your current mailing address verification; we will need two proofs of current mailing address from each client. This can be your Driver’s License, if it has your current mailing address on it and a utility bill and a bank statement for example. If you do not have your Social Security Card to send please include a document or statement with your number pre-printed on it such as W-2. Make sure your documents do not have an old address on them. Each item must have your correct name and current mailing address pre-printed on it.
 
Once you get everything together, please enlarge and "SCAN"(one item per page) to KYM@THEPROCESSINGCENTER.COM or Priority MAIL everything to our address above.
Consumer Credit File Rights Under State and Federal Law
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 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 up and paid.
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:
Consumer Credit File Rights Under State and Federal Law
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 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 up and paid.
 
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.

Please Enter Your Personal Information

BRIEF OVERVIEW
 
Credit Reports:
If we do not already have your credit reports; you will either need to order them, and send them to our office as soon as you receive them, or if you already have them, please forward them to us. We cannot start working on repairing your credit until after we receive your credit reports from you. You can order your reports form this link if you need to: www.FicoScoreOnline.com or www.CreditCheckTotal.com and provide us with your login and password to access it.
Address Verification:
If we do not already have your current mailing address verification; we will need two proofs of current mailing address from each client. This can be your Driver’s License, if it has your current mailing address on it and a utility bill, for example. If you do not have your Social Security Card please include some document or statement with your number pre-printed on it. Make sure your documents do not have an old address on them. Each item must have your correct name and current mailing address pre-printed on it.
Recommended Items and Things To Do:
A folder or large envelope, a calendar, and a pen or highlighter pen.
Mark on your calendar the date you sent us your credit reports and address verification. Go forward in your calendar 60 days, mark that day as the day to receive updated reports. If you do not receive any notification within this time period, it is your responsibility to let us know so we can take appropriate action. Not doing this will jeopardize the guarantee of this program.
Brief Overview
Here is a brief overview of what to expect over the next several months: about two to three weeks after we receive your credit files, you will receive a "thank you" letter from each Credit Reporting Agencies (CRA); don’t worry if you don’t get one from each of them, not everyone does. Sometimes they also send "Anti-Credit Repair" letters, please do not worry about these letters. Remember they do not want you to repair your credit, it is going to cost them time and money and then they will ultimately lose money! We do, however, need you to keep of all the letters you receive from the three CRAs referring to when updated reports would arrive, we may need these items at a later date. If you get any kind of letter from them and you want to call the office or fax it to us, that will be fine. If they ask you to call or mail them anything, do not do it! It is their responsibility to verify the information; you do not have to provide them with anything, except address verification. If they request additional address verification or a copy of your SS Card, please forward it to them as quickly as possible.
Credit Reports:
 
If we do not already have your credit reports; you will either need to order them, and send them to our office as soon as you receive them, or if you already have them, please forward them to us. We cannot start working on repairing your credit until after we receive your credit reports from you. You can order your reports form this link if you need to: www.CreditCheckTotal.com and provide us with your login and password to access it.
 
Address Verification:
 
If we do not already have your current mailing address verification; we will need two proofs of current mailing address from each client. This can be your Driver’s License, if it has your current mailing address on it and a utility bill, for example. If you do not have your Social Security Card please include some document or statement with your number pre-printed on it. Make sure your documents do not have an old address on them. Each item must have your correct name and current mailing address pre-printed on it.
 
Recommended Items and Things To Do:
 
A folder or large envelope, a calendar, and a pen or highlighter pen.
 
Mark on your calendar the date you sent us your credit reports and address verification. Go forward in your calendar 60 days, mark that day as the day to receive updated reports. If you do not receive any notification within this time period, it is your responsibility to let us know so we can take appropriate action. Not doing this will jeopardize the success of this program.
 
Brief Overview:
 
Here is a brief overview of what to expect over the next several months: about two to three weeks after we receive your credit files, you will receive a "thank you" letter from each Credit Reporting Agencies (CRA); don’t worry if you don’t get one from each of them, not everyone does. Sometimes they also send "Anti-Credit Repair" letters, please do not worry about these letters. Remember they do not want you to repair your credit, it is going to cost them time and money and then they will ultimately lose money! We do, however, need you to keep of all the letters you receive from the three CRAs referring to when updated reports would arrive, we may need these items at a later date. If you get any kind of letter from them and you want to call the office or fax it to us, that will be fine. If they ask you to call or mail them anything, do not do it! It is their responsibility to verify the information; you do not have to provide them with anything, except address verification. If they request additional address verification or a copy of your SS Card, please forward it to them as quickly as possible.
 
Also, a word of warning, the CRAs do not like credit repair at all! It makes their job harder (they make no profit from it) and it makes them look bad to their subscribers. A person with "bad credit" has 70% more inquiries on their file than a person with "good credit"; think about that for a minute, every time a credit file is pulled the CRAs make money (in between three and five dollars a piece)! So do they want you to fix your credit, absolutely not!  Remember, the CRAs are NOT government agencies; they are for-profit multi-million dollar companies that collect and sell your personal information! AND if they find out that you are working with a credit repair company, they will ignore any requests that we put in and make it VERY difficult to help your credit situation.
 
After an additional 45 days, if you have not received a report from all of the agencies, e-mail or call the office and we will send a demand letter to that company. When you have all three updated reports, please make a copy for yourself and MAIL the originals to us. Please do not fax updated reports to the office!
They will not make it in and will be unusable. We will review them and proceed to the next step if necessary. Also, you should not apply for any credit until this process is finished.
 
Once you receive all responses and they are sent into the office, we will cross reference each response with each other and formulate your next step. We will schedule your next step, and once it has been sent off you will wait 45 days again for the bureaus to respond. This process will repeat itself.
You must keep paying all the bills you are currently paying on in a timely manner! Do not start paying old collection accounts; contact us if you receive anything on an old debt. If you are currently making payment to a collections agency, please notify us. Do not contact the credit bureaus without our consent. Doing so will jeopardize the success of this program and can result in account cancellation.
Thank you
 
The staff of CreditDisputePros.com

Referring Agent (If Applicable)

Credit Dispute Pros. Client Service Agreement

The contract below MUST be initialled or services cannot be performed. Please type your initials in each corresponding box at the beginning of each number to indicate your agreement and/or understanding of the service being provided. All boxes are required to be initialled for processing.

Pursuant to the terms and conditions herein, the CLIENT hereby agrees to pay
CREDITDISPUTEPROS.COM Pros a fee based on the program desired by CLIENT.
 
The current program fees are:

Individual CLIENT prepaid  optional $999.00 or $399.00 setup and $129.00 per month for six(6) months

This fee covers a personal credit review, analysis of your credit report, CREDITDISPUTEPROS.COM will at no charge assist the CLIENT with a Legally Formatted Disputing System to the three major credit reporting bureaus, on the bureaus' right to report the CLIENT’S credit information. If no mortgage company is involved, the CLIENT agrees to provide CREDITDISPUTEPROS.COM  a current copy their TRI-MERGED credit report pursuant to this agreement. There are no hidden fees.
Formatted Text
General Terms and Conditions:
A. This Credit Repair Service Contract between CreditDisputePros.com and the undersigned "Client" (refers to both in case of a
couple) is for the purpose of purchasing credit report repair and improvement services (the "Services"). The Services will include
preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which
the Client states appears on the credit reports which the Client has furnished CREDITDISPUTEPROS.COM. 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. CREDITDISPUTEPROS.COM agrees to use its best efforts to provide the
Services, and will perform them in accordance with federal and state laws.
B. The Client understands that there will be an initial Setup and Analysis of $199.00 for an individual or $299.00 for a couple to be
billed after the setup and analysis has been fully performed. After the initial setup has been completed,
CREDITDISPUTEPROS.COM will audit the Client's credit reports and develop a plan to delete, correct or change inaccurate,
unverifiable and obsolete items under current federal and state law during this contract. After each month services have been fully
performed, client will be billed. Client understands and agrees that after a month of services has been fully performed, a fee of $119.00
for an individual or $159.00 for a couple will be due, and that this fee is for all costs and fees associated with the previous month's
Services. This process will continue until Client cancels service. The Client understands that the monthly fee includes the continuing
analysis/audit of up to three credit bureau reports (per client, up to six for couples), 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. Non Payment. If any form of payment you supply is uncollectible for any reason, CREDITDISPUTEPROS.COM may charge you
a dishonored payment fee of $30.00. The Member will agree not to close the bank account that CREDITDISPUTEPROS.COM is
authorized to withdraw payments from. Should the Member be required to change the authorized bank account, you must notify
CREDITDISPUTEPROS.COM immediately and complete a new Electric Payment authorization, as any interruption in the payment
of our fees will require CREDITDISPUTEPROS.COM to discontinue your service agreement. The resulting actions undertaken by
the credit card companies, collection agencies, and/or law firms against the client will not be the responsibility of
CREDITDISPUTEPROS.COM
D. Credit Application. The client shall not apply for any type of credit until they have completed the process. If the client fails to
comply with our expressed request and applies for any credit and is denied, we cannot be held responsible for additional negative
remarks and the direct influence this might have on your credit score.
E. The Client agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to
CREDITDISPUTEPROS.COM within five (5) days after the date received to guarantee the success of this program. If the Client has
not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report
Analysis/Audit, the Client must notify CREDITDISPUTEPROS.COM so appropriate measures can be taken. Non compliance can
result in termination of account.
F. By executing this Contract to obtain CREDITDISPUTEPROS.COM Services, Client grants CREDITDISPUTEPROS.COM during
the term of this Contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer
Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records
of Client's credit reports, Client's credit history or other creditor information for the Services; 2) sign correspondence to the record
holders; 3) use Client's name to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and
or through the internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a
debt is necessary. CREDITDISPUTEPROS.COM acknowledges that its Authorized Representatives have been alerted to the
sensitivity of the Customer Information. As such, CREDITDISPUTEPROS.COM will use its best efforts to ensure that Customer
Information will be handled in a responsible and professional manner. The Customer shall have the right to revoke or terminate the
limited power of attorney provided under this Contract at any time upon written notice to CREDITDISPUTEPROS.COM. Otherwise,
the limited power of attorney shall terminate upon termination of this Contract. All questions pertaining to validity, interpretation and
administration of this Contract shall be determined in accordance with the laws of California. Client agrees that Client's limited power
of attorney is valid throughout the United States for all Customer Information to be obtained by CREDITDISPUTEPROS.COM
pursuant to this Contract by the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of
the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes
any prior written or oral agreements between the parties.
G. Money Back Guarantee/Cancellation. This agreement may be canceled by either party without any penalty or further obligation at
any time. If you have been with us for one year, and you have forwarded credit reports every sixty days and complied with the
commitments to the service, and we have not been able to improve your credit file by removing any derogatory items from your
account, we will gladly offer you a full refund of this service. CREDITDISPUTEPROS.COM agrees to improve client(s) credit profile
of inaccurate, unverifiable and incomplete items during the period of one year. Client(s) understands that the results obtained by
CREDITDISPUTEPROS.COM on behalf of client(s) 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
CREDITDISPUTEPROS.COM on behalf of client(s). The initial setup fee and all accrued charges, with the exception of the last
month’s payment, are non refundable. Client agrees to only communicate with the credit bureaus through
CREDITDISPUTEPROS.COM’s written correspondence.
H. I, the client, understand that with proper information I could undertake the same or similar techniques to repair my own credit and
as choosing to hire this Services Provider to undertake the services outlined in this agreement without duress or provocation. Client
agrees to hold CREDITDISPUTEPROS.COM and it employees, officers, directors, agents and representatives harmless from any
claim, suit action or demand made by any of my creditors or any other person which may arise from the action(s) taken by my
creditors in connection with any services rendered by CREDITDISPUTEPROS.COM on my behalf. In the event
CREDITDISPUTEPROS.COM engages in collection efforts, client will be required to reimburse CREDITDISPUTEPROS.COM for
out-of-pocket expenses as the result of such efforts.
General Terms and Conditions:
A. This Credit Repair Service Contract between CreditDisputePros.com and the undersigned "Client" is for the purpose of purchasing credit report repair and improvement services (the "Services"). The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the Client states appears on the credit reports which the Client has furnished CREDITDISPUTEPROS.COM. 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. CREDITDISPUTEPROS.COM agrees to use its best efforts to provide the Services, and will perform them in accordance with federal and state laws.
 
B. The Client understands that there will be an initial Setup and Analysis of $399.00 for an individual to be billed after the setup and analysis has been fully performed. After the initial setup has been completed, CREDITDISPUTEPROS.COM will audit the Client's credit reports and develop a custom plan to delete, correct or change inaccurate, unverifiable and obsolete items under current federal and state law during this contract. After each month services have been fully performed, client will be billed. Client understands and agrees that after a month of services has been fully performed, a fee of $129.00 for an individual will be due, and that this fee is for all costs and fees associated with the previous month's Services. This process will continue until Client cancels service. The Client understands that the monthly fee includes the continuing analysis/audit of up to three credit bureau reports (per client), all correspondence to the credit bureaus 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 the client and the continuing planning and creation of documents for the purpose of credit report improvement.  OR at clients discretion, client may opt to "PREPAY" their program for the six (6) month program period at the optional prepaid price of $999.00 per individual.
 
C. Non Payment. If any form of payment you supply is uncollectible for any reason, CREDITDISPUTEPROS.COM may charge you a dishonored payment fee of $30.00. The Member will agree not to close the bank account that CREDITDISPUTEPROS.COM is authorized to withdraw payments from. Should the Member be required to change the authorized bank account, you must notify CREDITDISPUTEPROS.COM immediately and complete a new Electric Payment authorization, as any interruption in the payment of our fees will require CREDITDISPUTEPROS.COM to discontinue your service agreement. The resulting actions undertaken by the credit card companies, collection agencies, and/or law firms against the client will not be the responsibility of CREDITDISPUTEPROS.COM.
 
D. Credit Application. The client shall not apply for any type of credit until they have completed the process. If the client fails to comply with our expressed request and applies for any credit and is denied, we cannot be held responsible for additional negative remarks and the direct influence this might have on your credit score.
 
E. The Client agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to CREDITDISPUTEPROS.COM within five (5) days after the date received to improve the success of this program. If the Client has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis/Audit, the Client must notify CREDITDISPUTEPROS.COM so appropriate measures can be taken. Non compliance can result in termination of account.
 
F. By executing this Contract to obtain CREDITDISPUTEPROS.COM Services, Client grants CREDITDISPUTEPROS.COM during the term of this Contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client's credit reports, Client's credit history or other creditor information for the Services; 2) sign correspondence to the record holders; 3) use Client's name to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and or through the internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. CREDITDISPUTEPROS.COM acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information.  As such, CREDITDISPUTEPROS.COM will use its best efforts to ensure that Customer Information is kept private and will be handled in a responsible and professional manner. The Customer shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to CREDITDISPUTEPROS.COM. Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of California. Client agrees that Client's limited power of attorney is valid throughout the United States for all Customer Information to be obtained by CREDITDISPUTEPROS.COM pursuant to this Contract by the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.
 
G. Cancellation. This agreement may be canceled by either party without any penalty or further obligation at any time. If you have been with us for six (6) months, and you have forwarded credit reports every sixty days and complied with the commitments to the service, and we have not been able to improve your credit file by removing any derogatory items from your account, we will gladly continue working on your behalf.  CREDITDISPUTEPROS.COM agrees to improve client(s) credit profile of inaccurate, unverifiable and incomplete items during the period of six months. Client(s) understands that the results obtained by CREDITDISPUTEPROS.COM on behalf of client(s) 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 CREDITDISPUTEPROS.COM on behalf of client(s). The initial setup fee and all accrued charges, with the exception of the last month’s payment, are non refundable. Client agrees to only communicate with the credit bureaus through CREDITDISPUTEPROS.COM’s written correspondence.
 
H. I, the client, understand that with proper information I could undertake the same or similar techniques to repair my own credit and as choosing to hire this Services Provider to undertake the services outlined in this agreement without duress or provocation. Client agrees to hold CREDITDISPUTEPROS.COM and it employees, officers, directors, agents and representatives harmless from any claim, suit action or demand made by any of my creditors or any other person which may arise from the action(s) taken by my creditors in connection with any services rendered by CREDITDISPUTEPROS.COM on my behalf. In the event CREDITDISPUTEPROS.COM engages in collection efforts, client will be required to reimburse CREDITDISPUTEPROS.COM for out-of-pocket expenses as the result of such efforts.
1. Although the average time to begin seeing results is 90-120 days for the disputing process, I understand that my circumstances are unique and different from any other individual and that it is impossible to guarantee a result within a specified period of time.
2. I understand that the service is ongoing and that I may see results over time. I understand that this service may be renewed on a month to month basis and that it extends beyond the disputing process to include advice on how to add positive accounts to my file so that I may learn why and how to maintain my good credit rating once obtained. At the end of the six month contract we will analyze your credit profile to determine if you are satisfied with your results and/or want to cancel or continue.
3. I understand that I must be accountable for my own actions and involved in the process of restoring my credit in order to reap the long-term rewards. CREDITDISPUTEPROS.COM, and it's assignees, does not and can not do this for me, they can only assist me in this process
4. I agree to refrain from any/all actions that may hinder my process to restore my credit or negatively affect it in any way, including ,but not limited to, paying bills on time, applying for additional credit, making large purchases on credit, etc.
5. I agree to forward all correspondence received from the credit bureau's to CREDITDISPUTEPROS.COM , as well as, any correspondence asked to be sent to the credit bureau's by CREDITDISPUTEPROS.COM.
6. I hereby state that no one has made any specific claims to what my credit score will be nor in what time frame my credit will be improved.
7. I understand that once my credit report has been reviewed and personalized dispute letters have been created on my behalf, there will be no refund of monies. I understand that this is a customized service for each individual client and can not be re-used for another person. I am protected with the 3 day right to rescind and the 5 business day cancellation right I have under Federal law.
8. I understand that once my application is accepted by CREDITDISPUTEPROS.COM , or it's assignees, they  immediately start the process by analyzing my reports, preparing my strategic plan and drafting the dispute letters prior to my funds being cleared and released into CREDITDISPUTEPROS.COM, or it's assignees,  account. Services are rendered before payment is received.
9. I understand that there is no magic wand that will restore my credit profile, but rather it is a process that must follow the guidelines of the law.

Notice: As a consumer you have the right to review and dispute the completeness and accuracy of your file  maintained by any consumer reporting agency and  receive a copy of that report containing all information in that file, as provided under the FCRA section  (609). A free copy of this report will be provided by the consumer reporting agency each year to the consumer within thirty (30) days if requested  by the consumer. You also have a right to a free copy upon request within sixty (60) days of being turned down for credit.


Notice: We at CREDITDISPUTEPROS.COM, or our assignees,  want you the CLIENT to know that you can do all that we do on your own. We do not  have a magic wand. What we do have is a proven Legally Formatted Dispute System that has worked for over 100,000 clients over the last ten (10) years.


Notice of Cancellation: You may cancel this contract without penalty or obligation at any time by E-mail or in writing prior to midnight of the fifth (5) business day, from the signing of this contract. Upon receipt of your signed cancellation notice, return of all original letters, and written information provided by CREDITDISPUTEPROS.COM , or it's assignees,  to our processing office at 4960 South Gilbert Road Suite 1-305 Chandler, AZ 85249, any payment made by you under this contract will be returned within ten (10) business days after receipt.