EXPERT CREDIT SOLUTIONS

CUSTOMER AGREEMENT

LAST NAME FIRST NAME INITIAL SUFFIX(Sr., Jr., Etc.)

CURRENT ADDRESS CITY STATE ZIP

HOME TELEPHONE WORK TELEPHONE CELLULAR TELEPHONE

PREVIOUS ADDRESSES (WITHING PAST 5 YEARS)

SOCIAL SECURITY DATE OF BIRTH Drivers License Number and State

CURRENT EMPLOYER NAME AND ADDRESS

HAVE YOU BEEN DENIED CREDIT RECENTLY? IF YES, WHICH INSTITUTION?

REQUIRED: (1) SOCIAL SECURITY CARD (or pay stubs, W2, etc)
(2) DRIVER’S LICENSE (If not current, then bank statements)

HOW DID YOU HEAR ABOUT US?

SERVICES REQUESTED: CHECK SERVICE(S) REQUESTED:

90-DAY PROGRAM [$250.00]

120-DAY PROGRAM [$300.00]
TRI-CREDIT SCORE [$50.00]
RAPID RESCORE [$50/item]
CONTINUED SERVICES (after initial 90 days) [$79.00/monthly]

Total cost for services provided: $_______________

CUSTOMER ACCEPTANCE & ACKNOWLEDGMENT OF CREDIT RESTORATION SERVICES

Please initial each of the listed items to confirm you have read, understand and agreed to the following documents,
provided by Expert Credit Solutions.
Customer Agreement
Limited Power of Attorney
Privacy Disclosure
Notice of Cancellation
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

I fully understand my responsibility to this ninety day program, acknowledge all my questions have been answered, and
Agree to the fee for services of $_____________________.

METHOD OF PAYMENT: [ ] Check [ ] Money Order [ ] Pay Pal # There is a $50.00 NSF Fee for return checks.

Client Signature Date Witness Signature Date

1119B S 21st Avenue • Hollywood, FL 33020

Office: 305-785-3966 • Facsimile: 954-416-6220
www.expertcreditsolutions.org
Page 1 of 5
 CUSTOMER AGREEMENT (continued)
This agreement or contract is not binding and enforceable until received and accepted by Expert Credit Solutions, Inc.
(Expert Credit Solutions). This writing is the full and complete agreement between Expert Credit Solutions and the
customer and shall not be orally amended.

CUSTOMER AGREES TO:

1. Provide Expert Credit Solutions with accurate personal credit information and immediately notify Expert Credit
Solutions of any change of information.
2. Authorize Expert Credit Solutions or its designee to obtain credit reports on customer’s behalf.
3. Retain Expert Credit Solutions services for a period of ninety days from contract date.
4. Understands that Expert Credit Solutions may employ or retain legal professionals on customer’s behalf, but Expert
Credit Solutions is not providing legal representation.
5. Immediately forward to Expert Credit Solutions any correspondence received from the credit reporting agencies to
Expert Credit Solutions or its designated agent.
6. Pay the evaluation fee agreed upon above. Any balance of the evaluation fee not paid with 30 days from the date of this
agreement shall be subject to late fees not exceed the greater of 18% or the maximum allowed rate by law. Expert Credit
Solutions may initiate legal action to collect unpaid balances that may involve collection charges, attorney fees, and court
costs
7. Customer agrees to close on loan with the mortgage company providing this service or customer will have to refund the
mortgage company back the fee paid for service.

EXPERT CREDIT SOLUTIONS SERVICES TO BE PERFORMED:

Expert Credit Solutions will review all credit information provided by the customer; prepare letters challenging items
appearing on the customer's credit reports, which the customer indicates are inaccurate, incomplete, obsolete, or unverified
as per the Fair Credit Reporting Act (FCRA). Expert Credit Solutions will challenge inaccurate credit information within
10 business days of receipt of credit report from customer. Expert Credit Solutions makes no guarantee concerning
improvement of the customer's credit history or FICO score, as both are dependent upon many factors beyond our control.

REFUND POLICY:

Should after ninety (90) days of service, if Expert Credit Solutions services are unable to result in any discernable
difference in a customer's credit report, the customer shall be entitled to a refund subject to a $200.00 processing fee.

CANCELLATION POLICY:

I UNDERSTAND THAT I MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY
TIME BEFORE MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE SIGNED (OR AS REQUIRED
BY STATE LAW). (SEE NOTICE OF CANCELLATION FOR FURTHER EXPLANATION OF THIS RIGHT).

PRIVACY DISCLOSURE NOTICE:

Expert Credit Solutions is required by law to inform our clients of our policies regarding privacy of customer information.
Expert Credit Solutions collects private personal information provided by its clients or obtained by us on its client’s behalf.
We will not disclose our client's private (non-public) personal information obtained in our process to any third party, except
as required by law. No third party will obtain information about our clients from Expert Credit Solutions without your
written consent. To safeguard our client’s personal information, we maintain physical, electronic and procedural methods
that comply with our professional standards.

Client Signature Date Witness Signature Date

1119B S. 21st Avenue • Hollywood, FL 33020

Office: 305-785-3966 • Facsimile: 954-416-6220
www.expertcreditsolutions.org
Page 2 of 5
 CONSUMER CREDIT FILE RIGHTS UNDER FEDERAL AND STATE LAW

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau
directly. However, neither you nor any one else 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 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 the right to sue a credit repair organization that violates the Credit Repair Organizations Act. This
law prohibits any 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 the information on
you credit file. The credit bureau must then reinvestigate, modify, or remove inaccurate or incomplete
information. The credit bureau may not charge a fee for this service. Any information and copies of all
documents you have concerning an error should be given to the credit bureaus.

If the credit bureau’s investigation 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

Client ______________________________________________
(Signature)

Date ___________________

1119B S. 21st Avenue • Hollywood, FL 33020

Office: 305-785-3966 • Facsimile: 954-416-6220
www.expertcreditsolutions.org
Page 3 of 5
 LIMITED POWER OF ATTORNEY

Know all by these presents, that the undersigned_________________________________ hereby

constitutes and appoints Expert Credit Solutions the undersigned's true and lawful attorney-in-fact to
execute and/or deliver for and on behalf of the undersigned all correspondence addressed to credit
bureaus, including TransUnion, Equifax, Experian and CSC, and all correspondence addressed to
creditors of the undersigned and collection agencies retained by such creditors, and to receive all
related correspondence from such parties, it being understood that any documents or correspondence
executed or delivered by such attorney-in-fact on behalf of the undersigned pursuant to this Power of
Attorney shall be in such form and shall contain such terms and conditions as such attorney-in-fact
may approve in such attorney-in-fact 's discretion.

The undersigned hereby grants to such attorney-in-fact full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or proper to be done in the
exercise of any of the rights and powers herein granted, as fully to all intents and purposes as the
undersigned might or could do if personally present, with full power of substitution or revocation,
hereby ratifying and confirming all that such attorney-in-fact, or such attorney-in-fact's substitute or
substitutes, shall lawfully do or cause to be done by virtue of this power of attorney and the rights and
powers herein granted.

This Power of Attorney shall be governed by the laws of the State of Florida in all respects,
including its validity, construction, interpretation and termination. If any provisions are held invalid,
such invalidity shall not affect the other provisions which shall remain in full force and effect.

This Power of Attorney shall remain in full force and effect until the termination of the Client
Services Agreement for whatever reason, unless earlier revoked by the undersigned in a signed writing
delivered to the foregoing attorney-in-fact.

By signing below, I (client) agree to the above terms and conditions

Client ______________________________________________
(Signature)

Client ______________________________________________
(Print Name)

Date ___________________

1119B S. 21st Avenue • Hollywood, FL 33020

Office: 305-785-3966 • Facsimile: 954-416-6220
www.expertcreditsolutions.org
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 EXPERT CREDIT SOLUTIONS

RIGHT TO CANCEL FORM

According to the laws enacted by the federal and state governments, each client has the right to
cancel this, or any other agreements made with a credit repair company within 3 business days.
Expert Credit Solutions is in full compliance with this, and every other state and federal law
governing credit repair organizations.

In order to terminate this agreement, the client must sign below and return this form within (3)
business days of accepting the terms in the contract.

Client ___________________________________ Date ______________

1119B S. 21st Avenue • Hollywood, FL 33020

Office: 305-785-3966 • Facsimile: 954-416-6220
www.expertcreditsolutions.org
Page 5 of 5