| Membership Agreement |
|
|
|
US Consumer Credit Restoration Association LLC , Credit Restoration Agreement 1. The parties agree that US Consumer Credit Restoration Association will attempt to correct the credit reports of the undersigned client under the laws outlined in the Fair Credit Reporting Act. Client agrees that as a member of USCCRA, LLC they can take advantage of this credit restoration benefit. 2. The parties agree that USCCRA, LLC will not charge for any service or work regarding credit correction until after the service has been performed. The client authorizes USCCRA, LLC to charge the client's credit card, debit their debit card, or debit their bank account via electronic transfer, depending on which method the client has elected to make the $5.00 deletion fee charged only after a positive update or deletion of a trade line. There are no other fees or charges related to this agreement. Their is a $15.00 charge for all returned checks. 3. USCCRA, LLC will attempt to remove all inaccurate, obsolete, unverifiable, misleading, and erroneous information from the client's credit reports. The client agrees that USCCRA, LLC has not made any guaranties or promises of performance or success but only that USCCRA, LLC will write dispute letters in attempting to remove inaccurate, obsolete, erroneous, and unverifiable information. 4. The client acknowledges they have been provided the Consumer Credit File Rights under State and Federal Law and cancellation forms as they have downloaded and printed this agreement and cancellation notices from the website. 5. Triple Results Warranty: It is important to understand that there can be no absolute guarantees involved in any legal matter. As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only "MONEY BACK Triple Results Warranty" to protect their membership investment. * Conditions: (1) The agreement requires that that the client use USCCRA, LLC services for a 7 month period and have a fully paid and up to date account. (2) The client MUST send all credit reports and letters from the credit bureaus as they receive them or no later than every 50 days, or inform USCCRA, LLC if you have not received any correspondence from the bureaus in 50 days, so that USCCRA, LLC can verify the progress of their case. (3) The client must also notify USCCRA, LLC of any change in address and phone number immediately (or no later than 5 days after change) so as not to delay the process. (4) The addition of any new negative information to the client’s credit profile during the 7 month period voids all warranties. All of these conditions must be met by the client to qualify for the warranty. (1) The client MUST send all credit reports and letters from the credit bureaus as they receive them or no later than every 50 days, or inform USCCRA, LLC if you have not received any correspondence from the bureaus in 50 days, so that USCCRA, LLC can verify the progress of their case. The client must also not send any correspondence to the credit bureaus. (2) The client must also notify USCCRA, LLC of any change in address and phone number immediately (or no later than 5 days after change) so as not to delay the process. All of these conditions must be met by the client to qualify for the warranty. If any item which USCCRA, LLC had deleted reappears on the client credit report within 1 year from the initial date of deletion, USCCRA, LLC will review the item and re-dispute it if it is obsolete, inaccurate, or erroneous at no additional cost to the client. 6. The client may cancel this agreement. A fee of $100 per deleted item will be subtracted from your enrollment membership. If the client cancels after their billing date in a given month, they will be billed for the work done after that date as soon as they cancel. The client must cancel this agreement in WRITING. 7. The parties agree that USCCRA, LLC's staff will have access to the client's credit information and personal data but will use all reasonable measures to protect this information. Only information necessary to perform the credit correction service will be obtained. 8. I, the undersigned client, give US Consumer Credit Restoration Association and/or "its credit restoration team" use, power of attorney if needed for the purpose of requesting and obtaining credit reports and any related information in order to dispute and verify credit items. The client also authorizes “its credit specialists and/or their team” to communicate with all credit bureaus and creditors via telephone, email, and letters and to sign letters on the client's behalf. 9. The client understands and agrees that US Consumer Credit Restoration Association is not a credit repair company but an association offering a benefit of enforcing your legal rights under the Fair Credit Reporting Act and that they will write pre-suit or similar litigation letters (if needed)to correct items on their reports that are allowed by law. This agreement may not be amended unless done in writing by both parties. This agreement embodies the entire understanding between the parties and any other understandings, written or oral, are waived. 10. 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 Pinellas County, Florida. If not resolved then the dispute shall be submitted to arbitration in Pinellas 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 Pinellas County, Florida, irrespective of place of residence or domicile. 11. Arbitration: Both you and we agree that any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service shall be settled by confidential arbitration to be held in Clearwater or Ft.Lauderdale, Florida, in accordance with the American Arbitration Association's ("AAA") Commercial Arbitration Rules (including without limitation the Supplementary Procedures for Consumer-Related Disputes) then in effect. The arbitrator may grant injunctions or other relief in such dispute or controversy. A single arbitrator with knowledge of electronic commerce will conduct the arbitration and the parties will mutually agree upon such arbitrator. The decision of the arbitrator will be final, conclusive and binding on the parties to the arbitration. Judgment may be entered on the arbitrator's decision in any state or federal court in Florida. Although the cost of the arbitrator will be borne by USCCRA, LLC, all other expenses of arbitration will be paid by the party who incurred them. In addition to, and separate and apart from, the above agreement to arbitrate any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service, you also agree that you will not participate in any way in any class action in connection with any such dispute, controversy or claim, either as a class representative plaintiff or as a member of a putative class. 12. If any provision of this Agreement is held to be invalid, the remaining provisions shall remain in full force and effect. You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right. Member should retain this copy for their records Right to Cancel Agreement You may cancel enrollment without any penalty or obligation, at any time before midnight of the 5th business day which begins after the date the contract is signed by you. Additionally, you may cancel this agreement at any time provided you acknowledge that by prematurely canceling your one-year agreement you release the assigned attorney and/or credit specialists and Member Benefits from any obligation related to the warranties expressed in the contract including any refund of monies already paid to enroll.
To cancel the contract, mail or email ( This e-mail address is being protected from spam bots, you need JavaScript enabled to view it ) a signed copy of this cancellation notice, or any other written notice to Member Benefits: USCCRA, LLC 802 Michigan Avenue, Palm Harbor, FL 34683
I hereby cancel my contract... _______________________________________________ _____/____/_____ MEMBERS Signature Date Consumer Credit File Rights Under State and Federal Law * The Federal Trade Commission regulates credit bureau and credit repair organizations. * You have the 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 report. The credit bureau must remove accurate, negative, information from your credit 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 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 sign 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 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 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 about disputed information with any report it issues about you. For more information contact: The Public Reference Branch, Federal Trade Commission, and Washington, D.C. 20580 Member should retain this copy for their records USCCRA, LLC Member Benefits This membership agreement is between US Consumer Credit Restoration Association, LLC (hereinafter referred to as USCCRA, LLC) whose principle business address is 802 Michigan Avenue Palm Harbor, Florida 34683 and the undersigned, (hereinafter referred to as MEMBER) is for the expressed purpose of enrolling MEMBER into USCCRA, LLC. Term: The term of the membership shall be for twelve months. Purpose: The MEMBER desires to become enrolled into the USCCRA, LLC program. USCCRA, LLC agrees to extend to MEMBER all of the benefits as printed on the USCCRA, LLC Member Benefit page. (hereinafter referred to as Benefits). BENEFITS: MEMBER acknowledges that a third party frequently facilitates BENEFITS. That being the case, it may become necessary for the benefit offering to change from time to time as USCCRA, LLC continually strives to seek out the BENEFITS that best meet the MEMBERS needs in accordance with the mission of USCCRA, LLC. Many of the USCCRA, LLC Member Benefits are provided at no additional charge. A few have modest fees to help cover costs (or) to comply with State and Federal Law. (Example: a fee of $5 per deleted or corrected item per credit report and is to be paid directly to USCCRA, LLC by check or check draft AFTER THE MEMBER IS NOTIFIED OF THE RESULTS BY THE CREDIT BUREAUS.
♦FREE with Membership Credit Audit Verification and Restoration CREDIT) Included in your membership is representation by USCCRA, LLC for seven months to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report as outlined in the Fair Credit Reporting Act. As a special member benefit only extended to USCCRA, LLC Members in good standing, our dedicated credit specialists will aggressively represent you with NO upfront fees, NO ongoing monthly fees,-in fact your total fees are only $5 per deleted or corrected item per credit report payable, ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS billed and paid directly to USCCRA, LLC as a “correction fee”. ► $500 Gas and $500 Grocery certificates as a FREE benefit of membership. USCCRA pays for each certificate and provides them at no cost to each of our customers. It is your responsibility to register, redeem and use them properly. You must follow the instructions carefully and read the terms and conditions on the web site before completing your registration. This benefit alone will pay for an individual membership! Free Identity Theft Restoration & Insurance Services: You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you with comprehensive, personalized recovery services. ►Free Legal Advice: Membership includes a membership into, a national network of over 10,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written on your behalf by one of our plan member attorneys. USCCRA, LLC Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters. Services included at NO CHARGE are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs; plus, discounted fee schedule, contingency fees, and hourly rates. ►Free Debt Settlement (Negotiation) Consultation: Debt Settlement is also
referred to as debt negotiation. Using a third party agency to negotiate down
the amount you owe. By using a professional experienced specialist you will save more money
and you will be professionally represented. ►Free Tax Preparation & Advice Services: Free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to most commonly used tax related schedules free of charge or at a significantly discounted rate. Unlimited advice for personal and business matters on federal taxation via toll-free phone call/fax/e-mail (no time or frequency limitations). Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040).Discounted preparation of all tax schedules that accompany the form 1040 and more. ●Second Chance Bank Account: Been denied by ChexSystems and TeleCheck? USCCRA will provide you with a way to open a real FDIC-insured checking account for you even if you have been reported to ChexSystems or TeleCheck in the past (except where fraudulent activity has been reported). We want to give you a chance to establish a banking relationship as the first step toward improving your credit record and to allow you to begin building and accumulating assets. Our Second Chance Checking† program erases the inconvenience of not having a checking account and/or being forced to use fee-intensive alternatives. ●Secured Credit Cards with Guaranteed Approval: We currently have Secured Visa and MasterCard™ logo’d credit cards. This Secured Visa Card has a limit of $300-$1500 with a $79 Annual Fee, 0% interest for 6 months then adjusts to 7.99+Prime. The best part is they are reporting to all three bureaus. Another Secured Card offering we have as part of your membership has a range of $200- $5000 secured credit line, you choose the amount you want. They have an annual fee of only $59 and only at this time report to 2 of the three Credit Bureaus. Interest Rate is 9.99%. This is NOT a teaser rate, this is your rate!!!! ►FREE Credit Card Search Service: will conduct a data base search on your behalf of all of the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of 2 new credit lines. ►IRS DEFENSE: USCCRA, LLC has entered into an alliance with an organization whose principles have over 17 years experience working to represent you against an IRS Tax Lien. This law firm provides a variety of services to meet the needs of each taxpayer. USCCRA, LLC Members receive FREE confidential telephone consultation. Let us help you end your IRS tax nightmares. ►FREE Bankruptcy Consultation: Bankruptcy is usually the very last option someone chooses. Bankruptcy laws have changed and are more restrictive than in the past. Once completed, most have a long and difficult path to re-establishing their credit. Get this FREE advice so you can make the right choice.. ►Credit Reference Service: USCCRA, LLC will provide a written credit reference at anytime for current member in good standing. ●Guaranteed Approval for a Computer: USCCRA, LLC Members are pre-approved for financing of a computer. ►Mortgage Reduction: USCCRA, LLC Members save thousands of dollars and cut years off their mortgage by employing the strategies of the endorsed mortgage reduction plan. ♦Budgeting & Education: USCCRA, LLC A complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities. A credit counselor takes the time to thoroughly understand and assess current credit and debt issues. They will assist in creating a livable budget to balance income and expenses, Offer money management and budgeting techniques to help gain control of finances and develop a comprehensive spending plan
►USCCRA, LLC offers this program at NO CHARGE to valid members. ♥ USCCRA, LLC has researched the marketplace and endorses this program as the best service offering for our members. ♦ USCCRA, LLC has negotiated an exceptional program on behalf of its members. Token fees may apply to cover costs (or) comply with State and Federal Laws. ●USCCRA, LLC offers GUARANTEED CREDIT APPROVAL for this product or service. The product or service does have fees the member must pay to take advantage of the offer.
*****Please Note that Benefits are Subject To Change at our Discretion at any time. ****** |