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Your Rights Under Federal Law (CROA)

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have the right to a free credit report from AnnualCreditReport.com or by calling 877-322-8228, the only authorized source under federal law.

You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act. You also have the right to cancel your contract with any credit repair organization within 3 business days from the date you signed it, without any penalty or obligation.

Credit bureaus are required to follow reasonable procedures to ensure the information they report is accurate. However, mistakes do occur — and that is where we come in.

Service Agreement — My Credits Repair LLC

This Agreement is entered into by and between My Credits Repair LLC ("Company"), a Florida limited liability company with a principal address of [COMPANY ADDRESS — TO BE COMPLETED], and you ("Client"), regarding an agreement to provide credit-oriented services.

What We Do For You

We are here to be your advocate. Our team will review your credit report, identify any items that appear to be inaccurate, outdated, or unverifiable, and challenge those items with all three major credit bureaus — TransUnion, Experian, and Equifax — on your behalf.

• Review and assess your current credit standing and consult with you about what we find.
• Securely enter your credit data into our system and prepare your case.
• Prepare and send individual dispute letters to each of the three major credit reporting agencies.
• Monitor responses and follow up as needed throughout the process.
• Keep you updated on your progress through your personal client portal.

What We Promise You

We will never charge you before we perform a service. We will always be transparent about what we find and what we can do. We will never attempt to remove accurate, verified information — only items that are genuinely inaccurate, outdated, or unverifiable under the law.

We want to be clear: credit repair is not a quick fix, and we do not make guarantees about specific outcomes or timeframes. What we do promise is that we will work hard, be honest with you, and fight for every item we legally can.

Important Disclosures

• The Company will not remove any accurate negative information that legitimately belongs on your credit report.
• The Company will not charge any fees in advance of services rendered.
• Results are not guaranteed. Individual outcomes vary based on the nature of the items on your report and the response of the credit bureaus.
• You have the right to perform similar disputes on your own behalf at no cost. By signing this agreement, you are choosing to have us perform these services for you.
• Adding new negative information to your credit report during the process may impact the results of our service.
• The Company must discontinue disputes on any item that is fully validated and confirmed as accurate by the reporting source.
• You acknowledge that you have the option of utilizing a non-profit credit counseling agency if you are struggling with monthly debt payments.

Your Responsibilities

• Keep your contact information up to date with us at all times.
• Forward any correspondence you receive from credit bureaus or creditors to us promptly.
• Maintain on-time payments on all current credit obligations during the program.
• Avoid opening new credit accounts or allowing new collections during the program without consulting us first.
• Respond to our communications within 10 business days.

Limited Power of Attorney

By agreeing to these terms, you are granting My Credits Repair LLC a limited power of attorney solely for the purpose of preparing and filing disputes with credit reporting agencies and creditors on your behalf. This does not grant us any other authority over your affairs, and we are not a law firm.

Cancellation Policy

You may cancel this agreement at any time, without penalty or obligation, within 5 business days of signing. After that, you may cancel at any time by contacting us — we will never hold you hostage. You will only ever be billed for work that has already been completed. No advance billing, ever.

To cancel, contact us at: [email protected]

Binding Arbitration

Any disputes arising from this agreement shall be resolved through binding arbitration in the state of Florida, administered by the American Arbitration Association (AAA). Both parties agree to resolve disputes individually and not as part of a class action. The cost of arbitration shall be shared equally.

Electronic Communications

By submitting this form, you agree to receive communications from My Credits Repair LLC electronically, including by email, text message, and through your client portal. You may withdraw this consent at any time in writing.