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Terms Of Use

Client Service Agreement

Client hereinafter referred to as "client" and CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc.,

MAILING ADDRESS:

US Post Office Box 970111
Coconut Creek, FL 33097
Office: (561) 558-9893 or Toll Free 1-877-407-5333

, agreement contract as follows:

1. Scope of Services: the purpose and scope to this agreement is that Client and CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP have entered into a Client Service Agreement. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP as requested by client, will be acting as a Credit CONSULTANT and Client authorized CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP to fully assist in the process of removing obsolete, incorrect, misleading, inaccurate, unknown and unverifiable information that is not in compliance with the Federal Fair Credit Reporting Act from their credit reports. EXPERIAN, EQUIFAX, EXPERIAN CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP services are to include, but not limited to, helping of client in reading credit reports, counseling client and informing client of his/her rights under the Fair Credit Reporting Act and the Equal Credit Opportunity Act. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP acts as Client's assistant for the process of Credit Restoration and is paid by Client for such services that assist client with the restoration of his/her creditworthiness. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP cannot and does not guarantee any results from the work performed. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP will provide the best possible help and will use every means available to help the Client repair and restore a good credit report in an effort to establish creditworthiness. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP will charge a Client a fee in obtaining current copies of credit reports for a charge of $49 for Single Accounts or $59 for Joint Accounts and will analyze these reports. If Client chooses to order their own reports, Client agrees to be responsible for all cost required to obtain consumers credit reports. Credit Repair Doctor/GULFSTREAM CONSULTING GROUP must receive the reports within 30 days of sign up date or CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP reserves the right to order new credit report at a charge of $49 for Single Accounts or $59 for Joint Accounts. THE FIRST MONTH: SINGLE ACCOUNTS will be charge $599.00 down all other months are $75.00 a month. A 12 month agreement maybe cancelled prior to the end of the 12 months. After the 12 month agreement, Account is on a month to month if not cancelled via written notice U.S. mail no phone calls to cancel account. The First Month includes obtaining copies of client's credit reports from the THREE CREDIT BUREAUS Experian, Transunion, Equifax, for a charge of $49 for Single Accounts or $59 for Joint Accounts, SETTING UP ACCOUNT, and EVALUATION OF ALL THREE/SIX CREDIT REPORTS. All other months will be cleaning up and restoring client's credit with each of the credit bureaus. THE FIRST MONTH: JOINT ACCOUNTS will be charge $699.00 all other months are $119.00. The First Month includes obtaining copies of client's credit reports from the THREE CREDIT BUREAUS, Experian, Transunion, Equifax, SETTING UP ACCOUNTS, and EVALUATION OF ALL SIX CREDIT REPORTS. All other months will be cleaning up and restoring client's credit with each of the credit bureaus. Client is required to supply the credit report(s) to Credit Repair Doctor/ GULFSTREAM CONSULTING GROUP standard/regular U.S. Mail no next day air delivery, no Fed Ex, no UPS deliveries $39.00 delivery fee for any other service delivery than the U.S. postal service standard/regular mail delivery. RENEWALS for 1 year memberships require $299.00 down for single accounts, and are $75.00 per month for 12 months for Single Accounts, and $399.00 per month for Joint Accounts and are $119.00 per month for 12 months for Joint accounts client may cancel before the one year agreement if client goes over the one year agreement the account will be charged month to month billing until client cancels account. Client understands that the fees to obtain credit reports are regulated by the Credit Reporting Bureaus and Client is allowed by law to receive one credit report per bureau per year when denied credit by information obtained by said bureau. Client’s first installment is a service fee and is due when client initially begins service with CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP INC. The charges for CREDIT REPAIR DOCTOR services are on a monthly basis and will begin (if client's paper work is received by the 25th of any month first payment is due on the first of the month). There will be a $39.00 late fee if client's credit card is not honored the first day of every month of client's monthly billing cycle. If payment is not made within 10 days of due date then account will be closed and collection status will be placed on the account. If account is closed due to declined credit card, client will be responsible for one year balance of the contract, any late fees, collection fees, court fees, bank fees and other fees due to this collection. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc will not be held responsible for any articles that become lost or delayed in the mail. Client must notify CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc in the event Client does not receive one or more reports. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc will re-order any reports that are missing within a normal period of time for a charge. FAST TRACK SERVICE: WORK IS PERFORMED ON YOUR CREDIT REPORTS THE SAME BUSINESS DAY THAT YOU’RE CREDIT REPORTS ARE RECIEVED VIA U.S MAIL. ANY MAIL AFTER 2:00 PM THAT SAME BUSINESS DAY WORKED WILL BE PERFORMED THE NEXT BUSINESS DAY.No FICO or credit scores come with the Credit Report Doctor.

FAST TRACK OPTION: $99.00 SINGLE ACCOUNT- $150.00 JOINT ACCOUNT ONE TIME FEE $55.00 CHARGE FOR CERTIFIED LETTER REQUEST. 2. Client authorizes, CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. it's employees, and servants to prepare all necessary correspondence utilized in the processing of disputes and agrees to submit to CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc any additional information required to support legally the dispute process. Client understands that all disputes must be true and accurate and that CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc will not produce any information that is not accurate to the best of Client's knowledge. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc will request verification of all information being reported negatively by the credit reporting bureaus and will use every legal means of removing negative data from Clients reports so that Client can restore a more positive credit history. CREDIT REPAIR DOCTOR /GULFSTREAM CONSULTING GROUP, inc does not change or advise Client to change Clients identification, social security number or any other personal data in an effort to gain credit under a different identity. 3. Client agrees to a monthly payment schedule first of every month for the Full Credit Repair & Restoration Service and that monthly payments are to be made the first of every month each month. This monthly schedule is set to help protect those with minor credit problems from paying unnecessary fees. Average time for completion of moderate credit problems is 3 to 5 months. Average time for completion of major problems is from 5 to 12 months. Moderate means no mediation necessary, a few items of repair. Major means mediation with several items of repair. Bankruptcy issues can be moderate or major depending on the number of problems. By checking off electronic signature/signing the online agreement on the website www.creditrepairdoctor.com, client agrees to the full terms of this agreement and no other promises have been made. Client also understands that there are other options client could take to improve client's credit and has chosen to let CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc assist them with the above named service. Client understands they are not under contract with CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc and can discontinue assistance at any time with written notification via U.S. mail no phone calls to cancel but will owe the outstanding balance for work previously performed.
$99.00 FEE PER CLIENT FOR ADDING ID FRAUD TO ALL 3 CREDIT BUREAUS: EQUIFAX, TRANSUNION, EXPERIAN

$99.00 FEE PER CLIENT FOR ADDING CREDIT FREEZE TO ALL 3 CREDIT BUREAUS: EQUIFAX, TRANSUNION, EXPERIAN
TO CLOSE YOU’RE ACCOUNT: ALL ACCOUNTS MUST BE CLOSED VIA U.S. MAIL OR E-MAIL NO PHONE CALLS NO TEXTING. ACCOUNTS ARE CHARGED BY THE MONTH NO CREDIT IS GIVEN IF ACCOUNT IS CLOSED EARLY WITHIN THE MONTH. ALL CANCELLATIONS MUST BE 72 HOURS BEFORE THE 1ST OF THE MONTH. OTHERWISE ACCOUNT WILL BE CHARGED FOR THE FOLLOWING MONTH AND CANCELED THE NEXT MONTH. FLORIDA LAW STATES YOU HAVE 3 BUSINESS DAYS TO CANCEL THIS CONTRACT NOT INCLUDING WEEKENDS AND HOLIDAYS. WE HAVE THE RIGHT TO REORDER NEW CREDIT REPORTS AT CURRENT PRICE IF CLIENT IS 45 TO 60 DAYS LATE OR LATER IN MAILING THEM TO THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, INC.

ALL CREDIT REPORTS TURNED IN TO CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, INC. FROM THEIR CLIENTS ARE PROPERTY OF CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. $29.00 COPY CHARGE FOR CREDIT REPORTS $29.00 FEE FOR CHANGE OF ADDRESS TO THE CREDIT REPORTING BUREAUS ANY CHANGE OF ADDRESS TO THE CREDIT REPORTS WILL DELAY REPAIR TIME TO CREDIT REPORTS ABOUT 30 TO 60 DAYS MIN. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IS NOT RESPONSIBLE FOR POSTAL DELAYS IN OBTAINING FIRST SET OF CREDIT REPORTS NOR MONTHLY DELAYS AFTER THAT DUE TO MORE INFORMATION BEING NEEDED FROM THE CREDIT REPORTING BUREAUS IF CREDIT REPAIR WORK WAS DONE WITH ANOTHER CREDIT REPAIR COMPANY BEFORE SIGNING UP WITH CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc THERE WILL BE DELAYS IN REMOVAL OR CHANGE OF INFORMATION ON ALL CREDIT REPORTS. CREDIT/FICO/ SCORES DO NOT COME WITH CLIENT'S ACCOUNT OR CREDIT REPORTS FROM THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. CLIENTS MAY GO TO WWW.MYFICO.COM TO FIND OUT THEIR CREDIT/FICO SCORES. (FOR A FEE) ANY CREDIT REPORTS FAXED TO THE CREDIT REPAIR DOCTOR/GULFSTREM CONSULTING GROUP, inc WILL CARRY A $29.00 SPECIAL HANDLING CHARGE. $49.00 SINGLE/$59.00 JOINT CHARGE PER CREDIT REPORT ON REORDERS AFTER 30 DAYS. IT IS THE CLIENT'S RESPONSIBILITY TO MAIL ALL CREDIT REPORTS AND CORRESPONDENCE TO THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IN A TIMELY MANNER: NO MORE THAN 30 DAYS ONCE RECEIVED VIA U.S. MAIL FROM THE CREDIT REPORTING BUREAUS. $29.00 FEE FOR REVIEW OF ANY REPORTS FROM FICO CREDIT SCORING COMPANY. No checks please. Credit cards/debit cards only. If form of payment is check, a $20.00 service charge will be applied every check to review any paper work above the work only for credit repair doctor there will be a fee of $100.00 an hour fee broken down @ 15min intervals. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IS NOT RESPONSIBLE FOR MORTGAGE LOANS, CAR LOANS, PERSONAL LOANS, BUSINESS LOANS, OR ANY TYPE OF LOANS (PERSONAL OR BUSINESS) THAT HAVE ANY TYPE OF DEADLINE FOR A FICO SCORE/CREDIT SCORE IN DETERMINING WHETHER TO APPROVE OR DENY SAID LOANS. IT IS CLIENT'S SOLE RESPONSIBILITY TO SEND ALL CREDIT REPORTS AND ANY CORRESPONDENCE FROM THE 3 CREDIT REPORTING BUREAUS: EXPERIAN, TRANSUNION, And EQUIFAX BY U.S. MAIL IN A TIMELY MANNER. (NO MORE THAN 30 DAYS) CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc WILL ONLY WORK ON CREDIT REPORTS FROM THE 3 MAJOR CREDIT BUREAUS (EXPERIAN, TRANSUNION, EQUIFAX) WITH CONFIRMATION NUMBERS. ANY CREDIT REPORTS FROM OTHER CREDIT BUREAUS OR CREDIT SERVICES WILL NOT BE ACCEPTED. FOR WORK TO BEGIN, ALL CREDIT REPORTS THAT THE CLIENT GIVES TO CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc MUST BE FROM THE CREDIT BUREAUS THEMSELVES (EXPERIAN, TRANSUNION, EQUIFAX) WITH CONFIRMATION NUMBERS ON THEM. ANY INACCURATE/INCORRECT PERSONAL INFORMATION SUCH AS WRONG NAME, AKA, DOB, SS#, PHONE NUMBERS, ADDRESSES, EMPLOYMENT, ETC. MUST BE UPDATED TO THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc FROM THE CLIENT IN WRITING, NOT VERBALLY FOR REMOVAL OR CHANGE ON THEIR CREDIT REPORTING FILES. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IS NOT RESPONSIBLE FOR DELAYS IN OBTAINING CREDIT REPORTS FROM THE CREDIT BUREAUS CAUSED BY SAID CREDIT BUREAUS REQUIRING ADDITIONAL INFORMATION UPON SIGNING UP CLIENT/ CLIENTS MUST MAIL IN A COPY OF ONES DRIVER LICENSE, SS# AND PROOF OF ADDRESS TO CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IN ORDER TO RELEASE AND SEND CREDIT REPORTS THROUGH THE U.S. MAIL. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc IS NOT RESPONSIBLE FOR CREDIT REPORTS THAT COME BACK FROM THE CREDIT REPORTING BUREAU STATING 'NO FILE ON RECORD'. CLIENTS AGREE TO REFRAIN FROM APPLYING FOR CREDIT DURING THE TIME WORK IS BEING PERFORMED BY THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. ANY HARD INQUIRIES TO CLIENT'S CREDIT REPORTS WILL LOWER THEIR CREDIT SCORES FROM THE 3 MAJOR CREDIT REPORTING BUREAUS. (EXPERIAN, TRANSUNION, EQUIFAX) CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. RESERVES THE RIGHT TO CLOSE DOWN A CLIENT'S ACCOUNT IF CREDIT REPAIR WORK IS COMMISSIONED THROUGH ANYONE OTHER THAN THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc AND STAFF THEREOF. CLIENT WILL FORFEIT ALL MONIES PAID TO THE CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc AND NO MONEY WILL BE REFUNDED.
Notice of Cancellation:
Federal and State law requires that Client may cancel, without any penalty or obligation, at any time before midnight of the 3rd business day which begins after the date the contract is signed by Client. CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc will give full refund of any monies paid within 10 days of receipt of this written cancellation notice. Send written notice to CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc., MAILING ADDRESS at U.S. POST OFFICE BOX 970111, COCONUT CREEK, FL 33097, or email to info@creditrepairdoctor.com CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc does not have any restriction on cancellation. Client can cancel our service at any time. We have no long term binding agreement. This is a month-to-month service contract. Client can stop assistance at any time with written notification via U.S. mail but will owe the last billing for work previously performed. Send written notice to CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc. , MAILING ADDRESS at U.S. POST OFFICE BOX 970111, COCONUT CREEK, FL 33097, or email to info@creditrepairdoctor.com

www.myfico.com www.equifax.com www.transunion.com www.experian.com www.annualcreditreport.com (one free credit report a year) LIMITED POWER OF ATTORNEY/ BY CHECKING OFF ELECTRONIC SIGNATURE/SIGNING THE ONLINE AGREEMENT
Client's electronic signature is a limited power of attorney and is used only to help client with the repair and restoration of client's credit. This does not give us full power of attorney over client's affairs, only for the use with credit concerns. I give and appoint CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc, its officers, employees and agents, mailing address U.S. Post Box 970111, Coconut Creek, Florida 33097, phone (561) 558-9893 as my assistant for my behalf, as set forth in the following matters only. Signing of correspondence addressed to the credit bureaus, signing of correspondence addressed to creditors, obtaining credit information over the telephone, fax, and computer/internet, through written correspondence from credit bureaus, creditors or collection agencies. I further authorize CREDIT REPAIR DOCTOR/GULFSTREAM CONSULTING GROUP, inc, its agents, servants and employees bearing this release or copy the thereof within 12 months of this date to obtain any information in my credit report that may involve medical records and/or credit records. I hereby direct said record holder to release such information upon the request of the bearer of the authorization to release information and durable power of attorney for limited purposes. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the custodian of such records, repository of the court records, credit bureau, (Transunion, Equifax, Experian) consumer reporting agency, retail business establishment, lending institution, student loans agencies (public and/or private), including whatever kind, which may at any time result to me, my heirs, family or associates, because of compliance with this authorization to release information, or any attempt to comply with it. Should there be any questions as to the validity of this release, Client may contact me. I have the right to revoke or terminate this power at any time. This power shall terminate 12 months and month to month thereafter till account is closed from the date of execution set forth below. All questions pertaining to validity, interpretation and administration of the power shall be determined in accordance with the laws of Florida. This power is valid throughout the United States in all information set forth in the paragraph above by my electronic signature.

Note to consumer: Client may cancel this electronic signature/power of attorney at any time by submitting a letter via email or U.S. mail stating client no longer authorizes electronic signature/power of attorney to our office. We will no longer be able to represent client at that time and this authorization becomes null and void. Account is closed.
CREDIT REPAIR ORGANIZATION ACT SEC.405.DISCLOSURES Consumer Credit File Rights Under State and Federal Law The Federal Trade Commission and State Laws Require us to Keep This Document with client's File. Clients have a right to dispute inaccurate information in client's credit report by contacting the credit bureau directly. However, neither Client nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from client's credit report. The credit bureau must remove accurate, negative information from client's report only if it is over 7 years old. Bankruptcy information can be reported for up to 10 years. Clients have a right to obtain a copy of client's credit report from a credit bureau. Client may be charged a reasonable fee. There is no fee, however, if clients have been turned down for credit, employment, insurance, or a rental dwelling because of information in client's credit report within the preceding 60 days. The credit bureau must provide someone to help client interpret the information in client's credit file. Clients are entitled to receive a free copy of client's credit report if clients are unemployed and intend to apply for employment in the next 60 days, if client are recipients of public welfare assistance, or if clients have reason to believe that there is inaccurate information in client's credit report due to fraud. Clients have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. Clients have the right to cancel client's contract with any credit repair organization for any reason within 3 business days from the date client signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. Client may, on client's own, notify a credit bureau in writing that client disputes the accuracy of information in client's 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 clients have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to client's satisfaction, client may send a brief statement to the credit bureau, to be kept in client's file, explaining why client thinks the record is inaccurate. The credit bureau must include a summary of client's statement about disputed information with any report it issues about client. 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

Updated 6/1/2011

 

 

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