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Terms of Use Agreement ____________ 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 it. 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 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: The Public Reference Branch, Federal Trade Commission, Washington D.C. 20580 ___________________________________ Privacy Act Disclosure. Aggressive Credit Repair is extremely concerned about the protection of online privacy for all our web site visitors. Aggressive Credit Repair is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in any way. The only information we share is the personal information necessary to complete our services by dealing with the credit bureaus and your creditors. Your information is fully protected both online and offline. ___________________________________ Refund Policy. I understand and agree that if for any reason, at any time, I am not satisfied because I have witnessed no improvements to my credit as a result of Aggressive Credit Repair’s services, I am eligible for a full or partial refund. I understand and agree that any refund requests require a minimum of 14 days to be processed and will first undergo an approval process. ___________________________________ Limited Power of Attorney Disclosure. Be it known that I, the above first, last and middle name, am the individual and by submitting this form hereby grant a limited power of attorney to Aggressive Credit Repair, and any and all persons in there employ, as my agent, to have the necessary power and authority to undertake and perform the following on my behalf. I hereby give permission to Aggressive Credit Repair to sign my name on all documents written on my behalf as my agent for the purpose of disputing inaccurate, erroneous, and obsolete credit information held on my report by consumer credit reporting agencies. This "limited power of attorney" is given to Aggressive Credit Repair in compliance with section 611 of the Federal Fair Credit Reporting Act. ___________________________________ Website disclaimer I hereby understand that the persons pictures on the website are models. All pictures and names are created fictionally to aid in the privacy of our customers and Aggressive Credit Repair employee’s. ___________________________________ One Time Payment Agreement. I hereby agree to pay Aggressive Credit Repair a predetermined set up fee at the beginning of the program. If a refund is to take place at any point during the credit repair program, I hereby agree and understand that the refund is subject to Aggressive Credit Repair’s refund policy. If a refund is necessary, as determined by Aggressive Credit Repair, the agreed amount will be taken from the set up fee and issued back to you within 14 days. When credit repair is completed and if no refund is necessary, the set up fee will be considered payment in full for credit repair services rendered. ___________________________________ Monthly Payment Agreement. I hereby agree to pay Aggressive Credit Repair an agreed monthly fee until I decide to discontinue service. If I discontinue service in the middle of a pay period I understand that I will not receive a pro-rated refund for that month. Service will continue until the pay period is over after the monthly fee has been collected. ___________________________________ 3 Day Cancellation Notice. 'You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.' I understand that by law I can cancel Aggressive Credit Repair’s contract within 3 business days and if I wish to do so, I will request the “attached notice of cancellation form for an explanation of this right. ___________________________________ Length of Time Disclosure. I hereby understand that under the Credit Repair Organizations Act, Aggressive Credit Repair is obligated to disclose the length of time in which credit repair services will be rendered and completed. I understand that Aggressive Credit Repair’s customers, on average, spend 2-6 months before completing the program. I hereby understand, however, that the length of time that I spend in this program may be different depending on my circumstances. I understand that at any time I can ask my sales representative for an estimate in which the services will be complete and in turn the representative will advise accordingly. ___________________________________ Dispute Disclosure. I understand and agree that by joining Aggressive Credit Repair’s program I am hereby giving permission to Aggressive Credit repair and anyone in their employ to dispute any and all items on my credit report. I hereby give permission to Aggressive Credit Repair to dispute the necessary items on my credit report as either inaccurate, erroneous, and/or obsolete credit information. ___________________________________ Principal Business Address Disclosure. I hereby understand that Aggressive Credit Repair LLC’s principal business address is as follows. Aggressive Credit Repair LLC 5407 W Venetia St Herriman, UT 84065                                                        

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