This Client Service Agreement ("Agreement") is entered into between CreditForge, owned and operated by John McGuire ("Company," "we," "us," or "our"), and you, the client ("Client," "you," or "your"). This Agreement sets forth the terms and conditions under which CreditForge will provide credit repair services to you.
Required Disclosure Under Federal Law
Credit Repair Organizations Act (CROA) — 15 U.S.C. § 1679
Before you sign this contract, the Credit Repair Organizations Act requires that we provide you with the following statement:
"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 anyone who takes an adverse action against you with the name, address, and phone number of the credit bureau that provided the report. You also have a right to a free copy of your credit report once every 12 months from each of the three major credit bureaus at www.annualcreditreport.com.
You have a right to receive a copy of your credit score from a credit bureau. You may be charged a fair and reasonable fee for obtaining your credit score.
You have a right to dispute incomplete or inaccurate information. If the completeness or accuracy of any item in your credit report is disputed and the dispute is directly conveyed to the credit bureau by you, the credit bureau must, within 30 days, reinvestigate and modify, delete, or verify the information, and notify you of the results.
Under the Fair Credit Reporting Act, a consumer reporting agency is required to follow reasonable procedures to assure maximum possible accuracy of the information in a consumer's credit report. If you believe your file contains errors, you may write to the consumer reporting agency at the address listed on the report.
You have a right to cancel without charge any contract with a credit repair organization within 3 business days from the date the contract was signed.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations."
Consumer Rights Notice
Under federal law, you have the following rights when dealing with a credit repair organization:
- You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus (Equifax, Experian, TransUnion) directly, at no cost to you.
- No credit repair organization, including CreditForge, can guarantee specific results. We cannot promise that any particular item will be removed from your credit report or that your credit score will increase by a specific amount.
- You are not required to use a credit repair organization to dispute information on your credit report. You may do so yourself, free of charge.
- You have the right to cancel this Agreement at any time without penalty.
- You have the right to sue any credit repair organization that violates the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.).
- You are entitled to a copy of your credit report from each of the three major credit bureaus once every 12 months at no charge through www.annualcreditreport.com.
Your Right to Cancel — 3 Business Days
You may cancel this Agreement without any charge or obligation within three (3) business days from the date on which you sign this Agreement or the date on which you receive a copy of this Agreement, whichever is later.
To cancel this Agreement, you may use any of the following methods:
- Email: Send a cancellation request to [email protected]
- Phone: Call us at (213) 695-7555
- Mail: Send a signed and dated written notice stating your intent to cancel to the Company address provided in this Agreement
If you cancel within the 3-business-day period, you will not be charged any fees, and any payments you have made will be refunded in full within ten (10) business days of receiving your cancellation notice.
After the 3-business-day cancellation period, you may still cancel at any time by contacting us. You will only be responsible for fees associated with services already performed prior to the date of cancellation.
1. Company Information
- Company Name: CreditForge
- Owner: John McGuire
- Website: getcreditforge.com
- Email: [email protected]
- Phone: (213) 695-7555
2. Description of Services
CreditForge agrees to provide the following credit repair services to the Client:
- Credit Report Review: We will obtain and thoroughly review your credit reports from Equifax, Experian, and TransUnion (with your authorization) to identify items that may be inaccurate, incomplete, misleading, unverifiable, or outdated.
- Dispute Preparation and Submission: We will prepare and submit written disputes to the credit bureaus, original creditors, and/or collection agencies challenging the accuracy or verifiability of negative items identified on your credit reports.
- Follow-Up and Tracking: We will monitor the status of all submitted disputes, track responses from credit bureaus and creditors, and take appropriate follow-up action as needed, including re-disputes and escalations.
- Progress Reporting: We will provide you with access to our online client portal where you can view the status of your disputes, track changes to your credit reports, and monitor your credit score progress.
- Client Education: We will provide guidance and educational resources on how to build and maintain healthy credit practices going forward.
- Ongoing Communication: We will provide regular updates on the progress of your case and be available to answer your questions by email or phone during normal business hours.
Scope Limitation: Our services are limited to assisting you in disputing information on your credit reports that we reasonably believe to be inaccurate, incomplete, or unverifiable. We do not provide legal advice, tax advice, financial planning, or debt settlement services. If legal representation is needed, we will recommend that you consult a licensed attorney.
3. No Guarantee of Results
CreditForge does not and cannot guarantee any specific outcome as a result of our services. Without limitation, we do not guarantee:
- The removal of any particular item from your credit report
- Any specific increase in your credit score
- Approval for any loan, credit card, mortgage, or other credit product
- A specific timeline for achieving any results
Credit repair results depend on many factors unique to each client, including the nature of the items on your credit report, the responsiveness of credit bureaus and creditors, and the accuracy of the information you provide to us. While we will use our best professional efforts on your behalf, individual results will vary.
4. Fees and Payment Terms
In compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679b), CreditForge does not charge or collect any fee or other consideration before the services are fully performed. This means:
- No upfront fees, enrollment fees, or setup fees will be charged before work is performed on your behalf
- Fees will only be charged after the agreed-upon services have been completed for that billing period
- Specific fee amounts, billing cycles, and payment methods will be agreed upon between CreditForge and the Client prior to the commencement of services and documented in a separate fee schedule or addendum
You will be provided with a clear written explanation of all applicable fees before any charges are incurred. All fees are subject to the cancellation and refund terms described in this Agreement.
5. Term and Duration
This Agreement begins on the date it is signed or accepted electronically by the Client and remains in effect on a month-to-month basis until:
- The Client cancels the Agreement in accordance with the cancellation provisions herein
- The Company completes the agreed-upon services
- The Company terminates the Agreement for cause, including but not limited to the Client's failure to cooperate, provide requested documentation, or engage in prohibited conduct
6. Client Obligations
To allow us to effectively perform our services, you agree to:
- Provide accurate and truthful personal information, including your full legal name, Social Security number, date of birth, and current mailing address
- Provide copies of your credit reports or authorize us to obtain them on your behalf
- Respond promptly to requests for additional information or documentation
- Notify us promptly of any changes to your personal information, including your address, phone number, or email
- Refrain from filing your own disputes with the credit bureaus on items that we are actively disputing, as simultaneous disputes may interfere with our efforts
- Review all communications and documents we send to you in a timely manner
- Refrain from providing false or misleading information to us, credit bureaus, creditors, or any other party
7. Authorization and Consent
By entering into this Agreement, you authorize CreditForge to:
- Access and review your credit reports from Equifax, Experian, and TransUnion
- Communicate with credit bureaus, creditors, and collection agencies on your behalf regarding the items identified for dispute
- Prepare and submit dispute letters and other correspondence using your personal information
- Receive and review responses from credit bureaus and creditors related to your disputes
This authorization remains in effect for the duration of this Agreement and may be revoked by you at any time by providing written notice to us.
8. Cancellation Policy
In addition to the 3-business-day right to cancel described above, you may cancel this Agreement at any time after the initial cancellation period by contacting us via email at [email protected] or by phone at (213) 695-7555. Upon cancellation:
- We will cease all dispute activity on your behalf
- You will only be responsible for fees for services already performed up to the date of cancellation
- No additional fees or penalties will be assessed for cancellation
- We will provide you with a final summary of all work completed on your behalf
9. Privacy and Confidentiality
We take the privacy and security of your personal information seriously. All personal information you provide to us will be handled in accordance with our Privacy Policy. We will not sell, rent, or share your personal information with any third party except as necessary to perform the services described in this Agreement or as required by law.
10. Limitation of Liability
To the maximum extent permitted by applicable law, CreditForge's total liability arising out of or related to this Agreement shall not exceed the total amount of fees paid by you to CreditForge during the twelve (12) months preceding the event giving rise to the claim. CreditForge shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of credit opportunities, loan denials, or emotional distress.
11. Dispute Resolution
Any dispute arising out of or relating to this Agreement shall first be submitted to good-faith mediation. If mediation is unsuccessful, either party may pursue binding arbitration in accordance with the rules of the American Arbitration Association, or file a claim in a court of competent jurisdiction in Los Angeles County, California. Nothing in this section limits your right to sue under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.).
12. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of California and applicable federal law, including the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
13. Severability
If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. Any invalid provision shall be modified to the minimum extent necessary to make it enforceable while reflecting the original intent of the parties.
14. Entire Agreement
This Agreement, together with the Terms of Service and Privacy Policy, constitutes the entire agreement between the Client and CreditForge with respect to the subject matter hereof. This Agreement supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written, relating to the services described herein.
15. Amendments
CreditForge reserves the right to amend this Agreement. Material changes will be communicated to you in writing (including by email) at least thirty (30) days before they take effect. Your continued use of our services after the effective date of any amendment constitutes acceptance of the revised terms. If you do not agree to the amended terms, you may cancel this Agreement as described in Section 8.
16. Contact Information
If you have any questions about this Agreement, our services, or your rights, please contact us:
Acknowledgment: By enrolling in CreditForge's services, you acknowledge that you have received, read, and understood this Client Service Agreement, including the Credit Repair Organizations Act disclosure, the Consumer Rights Notice, and the 3-day right to cancel. You agree to the terms and conditions set forth herein.