($299 + $59/MO)
($200 + $59/MO)
(MONTHLY FEE S BEGIN 45 DAYS AFTER INITIAL FEES)
Reset Form
$299
$59
$59
Type the member's full name below
None
CREDIT REPAIR SERVICE AGREEMENT
This Agreement is between you, the BUYER of the credit repair service, and Credit Matters, Inc., the COMPANY,
providing the credit repair service.
BUYER Name: Email:
INFORMATION:
Address:
Street City State Zip
BUYER AUTHORIZATION: Buyer authorizes the Company to dispute, on Buyer’s behalf, information appearing in
Buyer’s credit reports that Buyer believes is inaccurate or obsolete. Furthermore, Buyer authorizes the Company to
share Buyer’s credit information with the following person(s).
Name(s): Agent:
COST OF SERVICE: Buyer will pay the Company after the Company completes the service described below.
Full payment is due upon completion of credit repair service. Buyer will pay the Company 2 monthly payments of
$59.00 following the completion of any successive credit repair service as described below for service provided within
one year of the date of this agreement. Buyer agrees that any federal and state disclosures, notice of cancellation, and
any other papers accompanying the initial credit repair service provided, shall serve as disclosure and notice for any
successive credit repair service provided within a period of one year of this agreement.
DESCRIPTION OF SERVICE TO BE PERFORMED BY THE COMPANY
1. Analyze Buyer’s credit reports with Buyer to determine if inaccurate information is contained in the reports.
2. Disclose to Buyer his/her rights according to the federal Fair Credit Reporting Act.
3. Prepare correspondence to the CRA to initiate a reinvestigation of items appearing inaccurate or falsely on the
Buyer’s credit reports. Correspondence on reinvestigations will be sent to the CRA one time.
4. Prepare dispute correspondence to creditors listed on Buyer’s credit reports of inaccurate information furnished to
the CRA, if necessary. Correspondence on reinvestigations will be sent to creditors one time, if necessary.
5. The Company will maintain Buyer’s personal information in strict confidence. Buyer’s information will be released
only to persons, merchants, creditors or organizations necessary to complete the services described in this contract.
ACTIONS REQUIRED OF BUYER
1. Buyer agrees to provide the Company with a complete copy of Buyer’s credit reports received from the CRA in
order for the Company to begin credit repair service on behalf of Buyer.
DO NOT SIGN THIS CONTRACT UNTIL YOU HAVE RECEIVED AND READ THE INFORMATION STATEMENTS
AND NOTICES OF CANCELLATION REQUIRED BY STATE AND FEDERAL LAW, EVEN IF OTHERWISE
ADVISED. BY SIGNING THIS CONTRACT YOU ACKNOWLEDGE RECEIPT OF THESE DISCLOSURES PRIOR
TO THE TIME OF SIGNING AND AGREE TO THE TERMS OF THIS CONTRACT.
BUYER MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE 5
TH
BUSINESS DAY AFTER THE
TRANSACTION DATE. SEE THE ATTACHED NOTICE OF CANCELLATION FOR AN EXPLANATION OF THIS RIGHT.
Buyer’s Signature X Date
Company Signature Date
YOU, THE BUYER, ARE ENTITLED TO AN EXACT COPY OF THIS CONTRACT AS WELL AS ANY OTHER
WRITING SIGNED BY YOU IN CONNECTION WITH THIS CONTRACT AT THE TIME YOU SIGN.
THIS CREDIT SERVICES ORGANIZATION IS REGISTERED BY THE DEPARTMENT OF FINANCIAL
INSTITUTIONS AT P.O. BOX 8041, MADISON, WISCONSIN 53708-8041
Company Name: Credit Matters, Inc. Phone: 800-531-7279
Registered Agent: Daniel C. Krueger
Address of Agent: 2654 W. Lawrence St. Appleton, WI 54914
None
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INFORMATION STATEMENT REQUIRED UNDER FEDERAL LAW
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 unemployment 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 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 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 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: Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580
Buyer’s Signature X Date
INFORMATION STATEMENT REQUIRED UNDER
WISCONSIN LAW [SECTION 422.504]
You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit
bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-
charge every 12 calendar months. You may obtain your free copies on the Internet at
www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also
have the right to obtain a copy of your file free-of-charge from the consumer reporting agency if you
request the free copy within sixty days after you receive a notice of a denial of credit.
You have the right to dispute the completeness or accuracy of any item contained in any file on you
maintained by a consumer reporting agency. The Company will perform credit repair services on your
behalf, seeking correction or removal of negative information on your credit report that has been put
there either inaccurately or falsely. The total amount you will be charged for the credit repair services
is .
The Company has complied with the bond/irrevocable letter of credit requirements under Section
422.502of the Wisconsin Statutes. The Company has obtained an irrevocable letter of credit from:
National Exchange Bank and Trust, 130 S. Main Street, Fond du Lac, WI 54935
The irrevocable letter of credit is in the amount of $25,000.00. The irrevocable letter of credit is in
favor of the State of Wisconsin for the benefit of any person who is damaged by a violation of
Subchapter V of Chapter 422 of the Wisconsin Statutes. The irrevocable letter of credit is also in
favor of any person who is damaged by a violation of Subchapter V of Chapter 422 of the Wisconsin
Statutes. A person claiming against the irrevocable letter of credit for a violation of Subchapter V of
Chapter 422 of the Wisconsin Statutes may maintain an action at law against the credit services
organization and against the surety or financial institution. The surety or financial institution may be
liable only for actual damages and not for punitive damages. The aggregate liability of the surety or
financial institution to all persons damaged by a credit services organization’s violation of Subchapter
V of Chapter 422 of the Wisconsin Statutes may not exceed the amount of this irrevocable letter of
credit.
BY SIGNING BELOW, YOU HEREBY ACKNOWLEDGE RECEIPT OF THE FEDERAL &
WISCONSIN INFORMATION STATEMENTS BEFORE ANY CONTRACT OR AGREEMENT
BETWEEN YOU AND THE COMPANY IS EXECUTED.
Buyer’s Signature X Date
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NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within 5 business days after the date
on which the contract is signed.
To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any
other written notice to: Credit Matters, Inc., 2654 W. Lawrence St., Appleton, WI 54914, not later
than midnight of the 5
th
business day after the date you signed the contract.
I hereby cancel this transaction
Print Name:
Signature:
Date:
NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within 5 business days after the date
on which the contract is signed.
To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any
other written notice to: Credit Matters, Inc., 2654 W. Lawrence St., Appleton, WI 54914, not later
than midnight of the 5
th
business day after the date you signed the contract.
I hereby cancel this transaction
Print Name:
Signature:
Date:
Credit Matters, Inc. • 2654 W. Lawrence Street • Appleton, WI 54914
www.gocreditmatters.com • company@gocreditmatters.com • Phone: (800) 531-7279 • Fax: (800) 531-7585
PLEASE SIGN THE ATTACHED DISPUTE LETTER TEMPLATE – IN BLACK INK
Please MAIL this signed template to us immediately.
This template is for use with Experian only. Experian does not investigate disputes that are not
signed by the consumer. TransUnion and Equifax do not require a signature for disputes made with
them.
You will notice that there is no specific dispute on this page. We use a copy of this signed template
original to create your custom disputes on, and then send it to Experian. For this reason, it is
important that your signature is dark and clear.
Dear Experian Corporation,
I am disputing the following items in my credit file maintained by your company. The items listed below are
inaccurate and misleading, resulting in very serious errors in credit reporting and damage to my credit rating.
According to the federal Fair Credit Reporting Act, your investigation is to be completed within 30 days of
receiving this written dispute. Upon completion of your investigation, I request that you send a complete
corrected credit report to me, as is my right according to the Act.
Sincerely,
