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                                                 Credit Repair Agreement



Name: ________________________________________________
Address: ________________________________________________
Telephone: ________________________________________________
Fax: ________________________________________________
Email: ________________________________________________
SSN: ________________________________________________
Birth Date: ________________________________________________




A - This agreement between Bad Credit Mortgage Loans and the undersigned ("client") is for the express
purpose of credit report improvement. Mortgage Loans USA will attempt the removal of errors,
misrepresentations, or unverifiable information that the client claims to appear on the credit report(s)
they have furnished Bad Credit Mortgage Loans. This is not a debt consolidation or bill payment program.
Federal law requires that any unverifiable, outdated or erroneous information must be removed,
regardless of accuracy. Bad Credit Mortgage Loans agrees to act diligently in the pursuit of this matter, and will carry out this agreement within all Federal and States laws.

B - The client understands that there will not be any fee or other charges associated with the credit
restoration service should he/she agrees to conduct real estate/financing transaction through Bad Credit Mortgage Loans and official affiliates and partners. The client understands and agrees once credit is restored and a lender's approval is obtained, the transaction must proceed within 30 days, unless both parties agree to extend the time period for reasons other than credit status, otherwise the full fee will be payable in full. In the event client chooses to use companies other than mentioned above to conduct any current real estate/financing transaction, the client understands and agrees that a credit restoration fee will be charged in the sum of $1,575.00 for all costs and fees associated with the credit repair/restoration process. Bad Credit Mortgage Loans agrees to perform the service for this amount and states that there are no additional costs for the credit
restoration services.

C - The client agrees to send all correspondence and credit reports to Bad Credit Mortgage Loans as soon as received. The client must notify Bad Credit Mortgage Loans if they have not received any credit reports or correspondence from the credit reporting agencies 30 days after the last correspondence from Bad Credit Mortgage Loans or the credit reporting agencies. Failure to do so will cause the client's Credit Verification to be continued on a repetitive basis.

D - The term of this agreement shall be up to one year for a total estimated charge of $1,575.00 if client chooses to conduct current real estate/financing transaction through companies other than Bad Credit Mortgage Loans and official affiliate or partners. If the client decides to cancel the credit restoration process at any time, a written request must be typed and sent to Bad Credit Mortgage Loans.
If Bad Credit Mortgage Loans has worked on your file prior to receiving your written cancellation but after the 15th of the previous month, you will be charged a total of $131.25 per each month. If you do not cancel, Bad Credit Mortgage Loans will automatically renew this agreement till credit is fully restored and/or FICO points increased to meet lenders guidelines in order to qualify for loan/loans requested.
Bad Credit Mortgage Loans will at any time end the procedure if we conclude that no further work is necessary and loan/loans requested are obtainable.









E - Due to the nature of this credit service, client understands that individuals that assist Bad Credit Mortgage Loans in this matter may view client's file and its contents. All people such as legal or research
assistants and secretaries have been alerted to the sensitivity of these documents. Bad Credit Mortgage Loans staff will take all reasonable measures to ensure that this information will be handled in a responsible manner.

Client's Initial's ______


F - I, the undersigned client, give Power of Attorney to Bad Credit Mortgage Loans and official credit restoration partners, for the sole purpose of acquiring, request typing verification and disputing any information in regards to my credit report(s).
By signing this document, I acknowledge receiving my "Consumer Credit File Rights Under Federal
and State Law, and my agreement cancellation form.


G - I, the undersigned client, hereby state my sole responsibility for making credit payments, installments, rent etc. on time during the credit restoration and financial transaction process, Furthermore I agree not to apply for  any type of credit that may require a credit check that will lead to an "inquiry" which will effect credit scoring negatively and undo all work done by credit restoration affiliates and partners.

Client's Initial's ______

I understand and agree that in the event my FICO scoring is decreased or altered in any way as a result of neglect on my behalf of any of the requirements in section G,  I shall be held responsible to pay all fees agreed upon in full whether or not credit FICO scoring is re-restored, or current financial/Real Estate transaction is conducted.

Client's Initial's ______












RIGHTS UNDER FEDERAL LAW
You have a right to obtain a copy of your credit report from a credit bureau for a small fee. You have
a right to dispute inaccurate information by contacting the credit bureau directly. However, you have
no right to have accurate information removed from your credit bureau report. Under the federal
"Fair Credit Reporting Act", the credit bureau must remove accurate negative information from your
report only if it is over 7 years old. Bankruptcy can be reported for 10 years. Even when a debt has
been completely repaid, your report can show that it was paid late if that is accurate. You have a right
to sue a credit repair company that violates the "California Credit Services Organization Act". This
law prohibits deceptive practices by repair companies.
The Federal Trade Commission enforces the federal "Fair Credit Reporting Act". For more
information, call or write your regional office of the Federal Trade Commission. For more information, call or write your attorney general's office.