The specific services, guarantees, payment terms, timeframe, and total cost are set forth in the client disclosure statement incorporated herein for all purposes. NOW, in consideration of the mutual promises contained herein, the parties agree as follows:

Conflict of Interest
Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company’s Products, they are not currently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months.

Indemnification by Client
Client shall indemnify and hold Company free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of negligence or malfeasant acts of Client.

Indemnification by Company
Company shall indemnify and hold Client free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of failure of Company to provide reasonable credit score increase within the allotted term.

Affiliate Service Provider
While it is not the current policy of Best Credit Rx to use an affiliate service provider, Company has the option of fulfilling the credit services through a credit services processor or affiliate to best serve you.

Terms and Termination
a. Term. This Agreement shall continue as outlined in “Exhibit A” unless terminated by Company or Client as provided herein. b. Termination for Cause. If either party shall default in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party and if the default is not cured within thirty (30) days following such notice, the Agreement will be terminated.

Confidentiality
Client acknowledges that by reason of its relationship to Company, they will have access to certain information and material concerning Company’s business that are of substantial value to Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company.

Governing Law and Jurisdiction
This Agreement shall be governed by and construed according to the laws of the State of Arkansas.

Entire Agreement
This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.

Notices
Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address.

Severability
If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effort.

Legal Expenses
The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.

“Client” agrees as follows: Client authorizes Best Credit Rx to prepare correspondence on behalf of Client to be sent to all three major credit bureaus known as CSC/Equifax, TransUnion, and Experian.  

Services: 

Audit Services Fee 

In exchange for the Company’s receipt of the Audit Services Fee, in the amount  stated below from the Client, the Company will perform the following Audit Services:  the Company will review the Client’s credit report, as provided by the Client and the Company will take the necessary time to consult with the Client regarding the Client’s Credit Report; the Company will analyze client’s credit report with a focus on determining if any information on credit report is inaccurate, outdated or unverifiable; the Company will assist Client in obtaining copy of credit report if needed; the Client will not be charged any additional fees for Company’s Audit Services; Company’s Audit Services are sold independently of any services regarding Client’s credit standing or credit report; the Audit Services Fee will only be charged upon Company consulting with the Client and completing the Audit Services and under no circumstances will the Audit Services Fee be paid by the Client prior to the Company completing the above stated services.  The Audit Services Company provides Client in exchange for the Audit Services Fee are not credit repair services and shall not be construed as such. 

Monthly Services Fee 

In exchange for the Monthly Service Fee in the amount  stated below, the company will provide the following credit repair services (“Services”) to and for the benefit of the Client, and Client authorizes Company to provide such for Client. Such services will include attempts to remove inaccurate, erroneous, and/or obsolete credit information reported by Equifax, Experian and Trans Union to the Client’s Credit Report.  The Company will continually analyze and review Client’s status during the time the Client is receiving the Services from the Company, and the Company will respond to, receive, and/or initiate correspondence via telephone on behalf of Client.  The Company will respond to, receive, and/or initiate correspondence via e-mail on behalf of Client.  The Company will respond to, receive, and/or initiate correspondence via facsimile on behalf of Client.  The Company will respond to, receive, and/or initiate correspondence via physical mail (i.e.: USPS, FEDEX, UPS, etc.) on behalf of client. The Company will create letters and/or emails and/or faxes and/or electronic communications and/or other written communications in the attempt to correct errors and other items appearing on the Client’s credit reports which Client indicates are inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act, this includes preparation and transmittal of written correspondence to credit bureaus to verify and/or dispute items appearing on the Client’s credit report. The Company will review and analyze all correspondence received from credit bureaus, creditors, and others. The Company will conduct follow up calls with Client to discuss Client’s status and strategy.  The Client will not be charged any advance Monthly Service Fees for any Services, rather such fees will only be charged by the Company to the Client upon the Company’s completing the Services on behalf of the Client.  The Company will not remove any derogatory information (defined as accurate information appearing on a Client’s credit report), nor will Company assist Client on improving Client’s credit rating or record. 

Pay per Delete Fees:

All prices are per item and per bureau. A removal of ANY item from ANY bureau counts as ONE (1) removal. The deletion of an account from all three credit bureaus counts as THREE (3) deletions.A “removal” is defined as an item, tradeline, personal information, or inquiry that is removed from any of the client’s three credit files for ANY reason during our service.
A “repair” is defined as any “formerly negative” tradeline or any of the client’s credit files that, during our service, becomes a “positive” tradeline. This could include but is not limited to removal of “late notations” or “status change.”
Personal Info - $10 - Personal info is defined as the deletion or repair of any Incorrect Name, Date of Birth, Address, SSN, or Employer from any bureau.Inquiries $25 - Inquiries are defined as the deletion of any credit inquiry listed on a client's credit report from any bureau. Standard Items - $50 - Standard Items are defined as the deletion or repair of any item reported by any creditor or collection agency, that is NOT listed as a Public Record, from any bureau Public Records - $100 - Public Record is defined as the deletion of any Public Record on the client's credit report (Judgments, tax Liens, or Bankruptcy) from any bureau.

 

OUR PRICING

Our pricing is set out in clear terms on our site and in this agreement.

Standard Individual Program 

For an Audit Services Fee of $199.00 and monthly service fee of $109.00 the Client will Receive the Following: 

  • All Audit Services and Services as listed under the Audit Services Fee and Monthly Services Fee Sections 
  • Debt Validation with Creditors
  • Credit Education 
  • 24/7 Portal Access
  • Cancel Any Time
  • Member of same household with same mailing address can be added to this plan for $50 added to both the Audit and Monthly Service fee. (see discounted Couples program)

Discounted Couples Program 

For an Audit Services Fee of $249.00 and monthly service fee of $159.00 the Client will Receive the Following:

  • All Audit Services and Services as listed under the Audit Services Fee and Monthly Services Fee Sections 
  • Debt Validation with Creditors
  • Credit Education 
  • 24/7 Portal Access
  • Cancel Any Time

Pay Per Delete 

  • FREE Setup
  • FREE 24/7 Access
  • Add Your Spouse, Partner, Roommate for $50
  • Unlimited Bureau Disputes
  • Unlimited Creditor Disputes
  • Info on Per Deletion Pricing
    • Personal Info - $10
      • Personal info is defined as the deletion or repair of any Incorrect Name, Date of Birth, Address, SSN, or Employer from any bureau.
    • Inquiries $25
      • Inquiries are defined as the deletion of any credit inquiry listed on a client's credit report from any bureau.
    • Standard Items - $50
      • Standard Items are defined as the deletion or repair of any item reported by any creditor or collection agency, that is NOT listed as a Public Record, from any bureau
    • Public Records - $100
      • Public Record is defined as the deletion of any Public Record on the client's credit report (Judgments, tax Liens, or Bankruptcy) from any bureau.

Business Funding & Credit

$ 2995

  • 6 mo Package
  • 24/7 Online Access
  • Unlimited Phone Support
  • Guaranteed Funding
  • Expert Coaching Products

Term/Costs  

Typically Clients remain with Best Credit Rx for 7-12 months, some shorter, some longer.  If Client elects the Standard Individual Program ($109 monthly repair fee), and remain with Best Credit Rx for 7 months, the Client’s total expenditure will be $962 or $1,507 for 12. If Client elects the Discounted Couples Program ($159 monthly repair fee), and remain with Best Credit Rx for 7 months, the Client’s total expenditure will be $1362 or $2,157 for 12. 

Client Authorizes or Acknowledges the Following

Client authorizes Best Credit Rx to prepare all the necessary correspondence which will allow Client to clarify whether certain information which may be contained on Client's credit file(s)/report(s) is accurate. Client agrees to inform Best Credit Rx as to which items need to be disputed, specifying how each item needs to be disputed, on Client’s credit file(s)/report(s).   

Best Credit Rx’s goal is to provide credit repair services to assist Client in achieving an accurate credit report. Client hereby acknowledges that Best Credit Rx does not guarantee any specific outcomes or results on behalf of Client, but agrees to provide the specific list of services as fully described in this Agreement. Best Credit Rx does not charge for, nor shall Best Credit Rx collect for, any services, until such services have been fully performed. Best Credit Rx does not agree to remove accurate and/or verifiable information from Client’s credit file. Client hereby acknowledges that active participation in providing Best Credit Rx with all requested documents, forms, and information including investigation results, is essential to providing the credit services for Client. Best Credit Rx does not provide tax, legal or financial advice. If Client needs any type of legal advice, Client must contact a licensed attorney. 

CLIENT OBLIGATIONS

  1. Client will need a Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc…)
  2. Client agrees to maintain a “credit monitoring system” and provide Best Credit Rx access to that account. If client fails to keep an active monitoring account and fails to provide credit results, client's file shall assess a $100 cancellation fee.
  3. Client agrees to forward all mail received regarding their credit file to Best Credit Rx with 5 days of receipt.
  4. Client agrees not to pull or authorize to be pulled any credit at any time, unless suggested by Best Credit Rx to establish new revolving credit lines, during this agreement because it is just as bad as bad credit. Client agree not to have any new “Late Pays,” “Collections,” “New Credit Pulls,” or derogatory items appear on client credit report during the term of this agreement.
  5. Client agrees to pay at $35 reinstatement fee if payment is declined. Client agrees to pay a $35 NSF fee for dishonored checks.

Authorization to Communicate on Behalf of Client:   

Client understands they have authorized an agent of Best Credit Rx to communicate on behalf of Client to the three major credit bureaus also known as Trans Union, Equifax/CSC and Experian. Client agrees to sign a power of attorney (enclosed with this Agreement) granting Best Credit Rx or an agent thereof this specific right.  Best Credit Rx further agrees to assist Client in the initial procurement of credit reports. Best Credit Rx, at its discretion, may retain all correspondence and materials used and produced by Best Credit Rx and provided to Best Credit Rx by Client or any other third party.   

It is critical that credit reports and all other correspondence received by Client relating to their credit report(s) be provided to Best Credit Rx within 5 days from Client’s receipt of such materials or immediately provide such materials to Best Credit Rx upon request of Best Credit Rx. It is extremely important that Client sends such credit reports and/or correspondence timely to Best Credit Rx.  Client is responsible for notifying Best Credit Rx when credit reports are not received on the date required by Best Credit Rx.  In the unlikely event Client does not receive their credit reports within 5 days from start date of Agreement, or if Client is for any reason unable to provide their credit reports to Best Credit Rx within 5 days from start date of Agreement, then Client agrees to immediately notify Best Credit Rx in writing of their inability to obtain their credit reports. 

An estimate of the date of completion for the first round of work to be completed is between seven to ten days, provided the Client has timely provided his or her credit report(s) and other necessary documentation to Best Credit Rx.   

There is a $35.00 processing fee for returned checks and non-sufficient credit card or debt cards. Returned checks must be replaced with cash or money order within one day (24 Hours).

Entire Agreement: 

This Agreement sets forth the entire agreement and understanding of the Parties relating to the subject matter herein and supersedes any prior discussions or agreements between them.  No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement shall be effective unless in writing signed by the Parties.  

Dispute Resolution:

In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Washington County, State of Arkansas or in the county in which the consumer resides in accordance with the Laws of the State of Arkansas  for agreements to be made in and to be performed in Arkansas. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (except attorney’s fees) of arbitration equally. If the consumer's share of the cost (not fees) is greater than $2,000.00 (Two-thousand dollars), the company will pay the consumers share of costs in excess of that amount. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award.  Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator.  This section and the arbitration requirement shall survive any termination.  

Company’s Right to Conduct Business Electronically, to Contact Client via SMS Text and via an Autodialer, and the Company’s Right to Use Pre-Recorded Messages When Contacting Client 

Client agrees, unless specifically requested otherwise, that by entering into transactions with Company, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company.  Client consents and agrees that Company may provide all disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of transactions electronically.  All electronic communications will be deemed to be valid and authentic, and Client intends and agrees that those electronic communications will be given the same legal affect as written and signed paper communications.  Client has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation.  Client’s consent may be withdrawn at any time upon Company’s receipt of such withdrawal.  However Client’s withdrawal of Client’s consent to conduct business electronically can only occur if applicable law specifically requires Company to provide a paper copy of electronic documents.  Withdrawal of consent will slow the speed at which Company can complete certain steps in transactions with Client and delivering services to Client.  To inform Company that Client either withdraws Client’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update Client’s information, Client may send such request to: Best Credit Rx at 1722 North College Ave, Suite C-332, Fayetteville, AR 72703. 

Client acknowledges and agrees that the internet is considered inherently insecure.  Therefore, Client agrees that Company has no liability to Client whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied.  At all times, Client maintains the sole obligation to ensure they can receive Company’s electronic communications, and access them on a regular and diligent basis.  Client also agrees to be contacted by telephone on Client’s landline and/or cell phone by Company irrespective of whether the Client’s telephone number appears on any state or federal “Do Not Call” lists.  Client further agrees that Company may use a computerized dialing system to contact Client via telephone or SMS text and Client may use a pre-recorded message when contacting Client via telephone or SMS text.  Client understands that his or her consent to be contacted does not require Client to purchase any goods or services from Company.  To inform Company that Client either withdraws Client’s consent to receive communications from Company as described directly above, or to update Client’s information, Client may send such request to: Best Credit Rx at 1722 North College Ave, Suite C-332, Fayetteville, AR 72703. 

Governing Law:  This Contract shall be governed by and construed according to the laws of the state of Arkansas.

Affiliate Service Provider While it is not the current policy of Best Credit Rx to use an affiliate service provider, Company has the option of fulfilling the credit services through a credit services processor or affiliate to best serve client. Utilizing an affiliate provider may include realtors and mortgage lenders or other service providers who may monetarily compensate Best Credit Rx.

Availability of Non Profit Credit Counseling:  Nonprofit credit counseling services are available for consumers who are currently behind in bill payments or need help in budgeting financial affairs. Client hereby agree to the terms set forth herein and the chosen Plan and payment. 

In consideration of the services provided to client by Best Credit Rx, as described above, client hereby authorize Best Credit Rx to initiate a debit entry to client credit card or bank account indicated above at the depository financial institution named above, hereinafter called DEPOSITORY, and to debit the same to such account for the amount listed above. Client acknowledge the origination of credit transactions to client account must comply with the provisions of U.S. law. This authorization is to remain in full force and effect for the term of this agreement or until client indebtedness to Best Credit Rx is fully satisfied, whichever is later. Client may only revoke this authorization by contacting Best Credit Rx directly at the address and phone number listed above. 

Client hereby acknowledge client has received a copy of this Service Agreement (and any applicable addendum's, exhibits, and/or attachments), the Privacy Policy, the Consumer Credit File Rights Under State and Federal Law disclosure statement, the Limited Power of Attorney, and two copies of the Notice of Cancellation. 

It is the Client’s right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by that consumer reporting agency. 

Client, the buyer, may cancel this contract without penalty or obligation at any time before midnight of the 5th day after the date on which client signed the contract. Company will not perform any credit repair services on behalf of the Client before the end of the fifth day period beginning on the date the contract is signed.  See the attached notice of cancellation form for an explanation of this right.

Electronic Signature & Acceptance of Agreement

You agree that the successful completion of your Enrollment for Services or the subsequent purchase of Services after your Enrollment through our Website or other authorized method constitutes your acceptance of these Services Terms electronically as if you had physically signed the Agreement.

Best Credit Rx PAYMENT POLICY

Monthly Model: The client understands that there will be an Audit Services Fee of $199 for an Individual or $249 for a Couple for the Audit Services, depending on which service level chosen.  Additionally, Client will be billed a Monthly Service Fee of $109 for an Individual or $159 for a Couple, for Monthly Services as described in the first part of this Agreement.  Such Monthly Service Fee will only be billed, in arrearages, to Client after a month of services has been fully performed. The Monthly Services will continue until Client cancels service or until Best Credit Rx has provided all of the services it has agreed to provide Client.

Pay Per Delete Model: The client understands that there will be an Audit Services Fee of $199 for an Individual or $249 for a Couple for the Audit Services, depending on which service level chosen.  Additionally, Client will be billed the following fees for deletions/partial repairs (as completely described under the monthly service fee portion of this contract) Personal Info - $10, Inquiries $25, Standard Items - $50, Public Records - $100. Such Deletion Fees will only be billed, in arrearages, to Client after the deletions have occurred.

Client understands that when he or she cancels the Agreement, they will likely be billed the following month for Monthly Services the Company provided to the Client during the month they cancelled the Agreement.  Under no circumstances will Client be charged for any services, either Monthly Services or Audit Services, prior to Best Credit Rx providing such services to Client.

I authorize Best Credit Rx to process debit entries from my account. This authority will remain in effect until the account is paid in full. I understand there will be a $35.00 fee automatically charged to my account for any insufficient funds (NSF) transactions whether they be check or card payments. Note:  Typically Clients remain with Best Credit Rx for 7-12 months, some shorter, some longer.  If Client elects the Standard Individual Program ($109 monthly repair fee), and remain with Best Credit Rx for 7 months, the Client’s total expenditure will be $962 or $1,507 for 12. If Client elects the Discounted Couples Program ($159 monthly repair fee), and remain with Best Credit Rx for 7 months, the Client’s total expenditure will be $1362 or $2,157 for 12. 

Best Credit Rx GUARANTEE POLICY

Best Credit Rx offers no guarantee as to a specific result from the use of our services. Best Credit Rx is hired for the attempted repair or removal of each item on which the client chooses for us to work. Best Credit Rx requires the client to keep an active credit monitoring system. Each month, Best Credit Rx will update that monitoring account, and the client will be invoiced a monthly service fee for services rendered in the previous month. This charge will happen ONLY AFTER the services have been performed as  defined in the Terms of Service, and clients will be billed or charged for those services in accordance with the terms set forth in the Terms of Service.

I understand that if I fail to pay my invoice  balance that  Best Credit Rx will gift me the amount of the invoice and send me  a 1099 representing the gift amount. 

Best Credit Rx WARRANTY POLICY

We warranty our work by offering a refund if we have not improved client original credit report at the conclusion of our work. Our warranty does not apply to credit scores. We do not warranty mortgage pre-approval as there are factors outside our control that determine client approval. If we are not able to improve client original credit report after completing our work, we will refund any partial or full amount paid. This warranty depends on client remaining a client through the completion of our work and fulfilling client obligations under this agreement, as set forth below.Warranty will be rendered null and void if any of the following occur - failure to provide mail received from the credit bureaus, debt collectors, lawyers, etc. within five (5) days of receipt. Declined payments resulting in work stoppage. 

Best Credit Rx  CANCELLATION POLICY

Client has A RIGHT TO CANCEL THIS AGREEMENT WITHIN 5 DAYS

A client has full authority to cancel this agreement anytime within the first five days with no fees. If that time period has passed, client will be liable for fees related to completed work. This will include the client audit fee and any fees for services rendered, deletions or repairs that have occurred on the client file.Client may cancel this agreement at any time. Upon the decision to cancel, client must notify Best Credit Rx in writing via mail, email, fax or direct delivery. In the event client cancel this agreement prior to the completion of our work, client will be responsible for a pro-rated fee based on the work we have performed up to the date of cancellation.  

NOTICE OF RIGHT TO CANCEL - COPY 1

You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract.

You may cancel this contract, without penalty or obligation; within Five (5) days after the date you sign this agreement.

If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to Best Credit Rx at address below, not later than midnight of the 5th day after your enrollment payment is received.


 

NOTICE OF RIGHT TO CANCEL - COPY 2

You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract.

You may cancel this contract, without penalty or obligation; within Five (5) days after the date you sign this agreement.

If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to Best Credit Rx at address below, not later than midnight of the 5th day after your enrollment payment is received.

DISCLOSURE STATEMENTS

All clients of Best Credit Rx must read and understand the following statements.

  • Client understands this is a binding agreement.
  • Either party may cancel this agreement at any time.
  • Best Credit Rx shall, within the course of 5 to 7 business days of signup, set up clients with their online private client site which will allow them to check progress throughout their service.
  • A username and password will be provided to the client to access their online client portal.
  • Best Credit Rx will prepare client audit within 5 – 7 days and deliver via the online client portal before the audit fee is charged.
  • Best Credit Rx shall prepare challenges for items appearing on the customer’s credit reports in accordance with the FCRA.
  • After each consecutive round of service, Best Credit Rx shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act or other laws applicable.
  • All items repaired or removed will be posted to the client’s online portal, which is accessed online by username and password provided to client upon initiation.
  • Best Credit Rx shall assist client in determining the action to take with each account in regards to that client’s file.
  • Best Credit Rx is available to review the client’s personal credit file by calling the customer service numbers provided upon enrollment.
  • Client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.
  • Client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.
  • Best Credit Rx shall also provide a client services staff for assistance in answering questions regarding a client’s account.
  • Best Credit Rx will ONLY challenge items as allowed by law.
THE FOLLOWING ARE PART OF BUT NOT CONSIDERED TO BE A COMPLETE LIST OF OUR SERVICES.

SERVICES ADDENDUM A

Best Credit Rx shall provide you the following services:

  • Thorough, line by line review of the credit report (s) and assessment of score. Discuss plan for improving the credit score.            
  • Initiate the dispute process on any misreporting, inaccurately reporting, unverifiable items, or items out of date showing on the credit report(s) after consultation to determine legitimate items vs. illegitimate accounts with client(s).  
  • Initiate contact with any collections companies that the client disputes.  
  • 1st of every month review the file and update it for any changes generated by disputes and prepare for the next filing. Check for current bill copy. Initiate customer contact with any questions after review.                 
  • Every 30- 45 days, on average, initiate contact if needed with the credit bureaus to challenge their findings or initiate additional disputes.                  
  • Cease and desist phone call letters to any collection agencies at the client’s request.  
  • File formal complaints with the Federal Trade Commission and/or Consumer Finance Protection Bureau on clients behalf should it be warranted and the client agrees.  
  • Ensuring that the credit report(s) list only accurate, verifiable information, listing under the guidelines of the Federal Fair Credit Reporting Act, Federal Debt Collection Practices Act (concerning collection), HIPPA, Dodd Frank Act, and any applicable State laws.             
  • Educate the client on credit. Including but not limited to an email newsletter containing information on credit and how to properly utilize it along with any other pertinent information.                                                                 

Best Credit Rx’s goal is to provide multiple credit repair services to assist CONSUMER in achieving an accurate credit report. CONSUMER hereby acknowledges that Credit Repair Organization does not guarantee any specific outcome or results on behalf of CONSUMER, but contracts to provide the specific list of separately identifiable and distinct services more fully detailed herein. Best Credit Rx does not charge for, nor shall Best Credit Rx collect for, any service, until such service is fully performed. Best Credit Rx does not contract to remove accurate and/or verifiable information from CONSUMER’S credit file. CONSUMER hereby acknowledges that active and truthful participation in providing Best Credit Rx with all requested documents, forms, and information including investigation results, is essential to providing the credit repair services for CONSUMER. Best Credit Rx does not provide tax, legal or financial advice. If you need any type of legal advice, you must contact a licensed professional.