Credit Repair Agreement

1. Services Provided

Credit At Once agrees to provide the following services:

• Comprehensive credit report analysis from all three major credit bureaus
• Identification of negative, inaccurate, or unverifiable items
• Preparation and submission of dispute letters to credit bureaus
• Follow-up on dispute responses and additional rounds as needed
• Communication with creditors and collection agencies when appropriate
• Regular progress updates and credit score monitoring

2. Client Obligations

The client agrees to:

• Provide complete and accurate information about their credit history
• Submit all required documentation within 48 hours of request
• Not apply for new credit during the repair process without prior approval
• Forward all credit bureau and creditor correspondence within 5 days
• Maintain current contact information and respond to communications promptly

3. Payment Terms and Pricing

4. Money-Back Guarantee

Credit At Once guarantees that we will remove at least one negative item from your credit report within three (3) complete dispute rounds. If no negative items are removed after three rounds, you will receive a full refund of all fees paid. This guarantee is our commitment to your satisfaction and the effectiveness of our services.

5. Expected Timeline

While individual results may vary, our typical timeline is:

• Days 1-2: Credit report analysis and strategy development
• Days 3-5: First round dispute letters submitted
• Days 10-14: First round results typically received
• Days 15-30: Additional rounds as needed

6. What We Cannot Guarantee

Credit At Once cannot guarantee:

• Removal of accurate, verifiable information
• Specific credit score increases
• Approval for loans or credit cards
• Results within any specific timeframe

7. Cancellation Rights

You have the right to cancel this contract within three (3) business days after signing. You may also cancel at any time thereafter with written notice. If you cancel after the three-day period, you will be charged only for services actually performed.

8. Compliance and Legal Notice

This agreement complies with the Credit Repair Organizations Act (CROA) and all applicable state and federal laws. Credit At Once is not a law firm and does not provide legal advice. We recommend consulting with an attorney for complex credit issues.

9. Dispute Resolution

Any disputes arising from this agreement will be resolved through binding arbitration in Burlington County, New Jersey, in accordance with the rules of the American Arbitration Association.

10. Contact Information