LMR International, Inc. 3750 GALT OCEAN DR # 1511 FORT LAUDERDALE , FL 33308-7638 Phone: (954) 568-7153 • Fax (800) 708-0365• Email: Support@123what.com
CREDIT AUDIT AND VERIFICATION SERVICES AGREEMENT
The client by signing below hereby engages and retains LMR International, Inc. to represent said client under the Following terms and conditions:
I DESCRIPTION OF SERVICES TO BE PERFORMED. LMR International, Inc. agrees to perform the following services for the client, A. Consultation and advice. as required and as proper bearing on general client financial issues. B. Receipt, interpretation, analysis and computer entry of consumer credit reports as provided or authorized by client. C. Timely disputes of information appearing on the consumer credit reports as noted in the Fair Credit Reporting Act. I5 USC, 1681-1681t (FCRA) as required. D. Prepare necessary documentation on forward client authorized disputes to credit bureaus via regular mail for at least one (and up to three) credit reports as supplied by client, E. Review of client's case with client as required on a monthly basis. F Creation and maintenance of standard format consumer credit reports with information from the three major credit reporting agencies G. Evaluate previous response from credit bureaus and update file. H. Establish the basis for credit auditing using the credit bureaus response. I. Using their best judgment to re-audit, re-challenge and verify accuracy by auditing the information being supplied to the credit bureaus by creditors to the credit bureaus by creditors. J. Written recording of client communication with company. K. Other services, as required and proper, bearing on the credit, debt and financial situation of client, I, the undersigned. understand and agree to the mentioned above and the second page of this contract.
2. CLIENT COMMITMENT A. I (the undersigned) agree to forward the original copies of all correspondence from the credit bureaus, including consumer credit reports and all other correspondence to LMR International, Inc. within 24 hours of my receipt of them. B. I understand that it is my responsibility to notify LMR International, Inc. on a monthly basis if I do not receive any report, or notices. I understand that LMR International, Inc. will be limited in its ability to provide the services outlined in the agreement if I do not notify then that I am not receiving reports from either, one of the three major bureaus. C. I understand that it will be necessary for me to purchase or otherwise obtain credit reports from Equifax, Experian and Trans Union, I understand that LMR International, Inc. will he limited in its ability to provide the services outlined in the agreement if I do not provide the credit reports at the rate of one credit report per bureau every ninety days. D. I agree to inform LMR International, Inc. of any change of address within five days of such change, I will provide two legal forms with my name and current address. I understand that LMR International, Inc. will be limited in its ability to provide the services outlined in the agreement if 1 do not provide a current and proper street address for myself E : I understand that the success of the legal senses detailed herein depends heavily upon my fulfillment of these commitments.
3. DISCLAIMERS A, Since the success of the services outlined herein depends on the completion of my commitments and the willingness of the Individual Credit reporting agencies to comply with the FCRA, I understand that LMR International, Inc. can not guarantee any individual or specific results. Pertaining to this agreement, time is nn, of the essence, and the desired outcome ofd's, legal services may require more or less than twelve (12) months. R. I understand that the services detailed here may create renewed or increased action on the part of my creditors if there are outstanding obligations. LMR International, Inc. recommends that all outstanding obligations be satisfied and they stand ready to assist the client in completing the settlement of all outstanding debts for an additional fee. However. I understand that LMR International, Inc. is not responsible for renewed collection activity or other legal actions by my creditors. C. I understand that the services detailed in this agreement may result in the removal of positive listings of credit from my consumer credit reports. I understand that I may contact these creditors at the completion of my case and request that they re-report the positive listings. D. I understand that there may be other services suggested in the interest of my case and I understand that the fees paid for the services detailed in this agreement cover only the services detailed herein. This agreement does not include debt settlement or negotiation, debt consolidation. or bankruptcy. These services carry, additional fees.
4. FEES A I agree to pay LMR International, Inc. for the above mentioned services up front with a $__________ [ENTER AMOUNT TO CHARGE] check or money order made PAYABLE to LMR International, Inc.- I realize that if the bank retains my payment dishonored, I wilt be charged a $20 dishonored check charge. B. 1 agree to maintain my credit case active on a monthly basis. I understand that if I allow my case to become inactive over 8 months. 1 will be responsible for a reactivation fee of $50.00 plus credit report fees as noted on section 2C.
5. LETTERS OF APPEAL A. I understand that LMR International, Inc. may create and sign correspondence on my behalf to communicate, my claims of inaccuracy, untimeliness or unverified items to the consumer credit bureaus as noted in Sections (1D) and (1I) and my initials indicate that I have authorized LMR International, Inc. to do so.
6. GUARANTEES 1. We work all three major credit bureaus Experian. Equifax and Trans Union. 2. We use strategies and sections of the F.C.R,A (1970). 3. Your negative information is permanently removed. 4. You receive a annual complimentary credit report once your credit is reestablished (upon request) 5. If you have old accounts that were deleted and appeared we will remove them at no extra charge. 6. Our results are guaranteed If you do not have any changes in one year time we will refund your money in full.
Signed by Gracie Riskalla,
SIGN HERE above the line
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 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 a 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.
RIGHT TO CANCEL CONTRACT
You may cancel this contract, without any penalty or obligation, at any time before midnight of the third day which begins after the date the contract is signed by you.
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to LMR International, Inc. at 3750 GALT OCEAN DR # 1511 FORT LAUDERDALE , FL 33308-7638 before midnight of the third business day following the date of this agreement.
I hereby cancel this transaction.
Date: _______________________________________
Purchaser's Signature: _________________________
(Duplicate as required by law)
RIGHT TO CANCEL CONTRACT
You may cancel this contract, without any penalty or obligation, at any time before midnight of the third day which begins after the date the contract is signed by you.
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to LMR International, Inc. at 3750 GALT OCEAN DR # 1511 FORT LAUDERDALE , FL 33308-7638 before midnight of the third business day following the date of this agreement.
I hereby cancel this transaction.
Date: _______________________________________
Purchaser's Signature: _________________________
Signed by Gracie Riskalla,
SIGN HERE above the line
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