Updated on October 19th, 2008

Hope Credit Restoration

Service Contract

Customer

Here in after referred to as “Client”, agrees as follows:

1. Consultant will analyze and investigate His/Her personal credit report.

2. Consultant will prepare all the necessary correspondence for clarification of

certain derogatory information which may be contained in a client’s credit report. Hope Credit                      Restoration utilizes a six month program, if the client still has a few negative items after six months Hope  Credit restoration will continue to work on clients credit for as long as it takes. **If at the **six month mark    client has not seen an improvement on his or her credit Hope Credit restoration will refund clients payment 100%.**Read disclaimer below for our Money Back Guarantee, certain Terms apply!

3. Hope Credit Restoration makes no claims to be able to remove credit information that is 100% accurate or verifiable.

4. Clients agree “Not to apply for any type of credit” under contract with Hope Credit Restoration.

Once you submit your info this becomes a binding contract, any payment due will be inforced through posible collections. $249.95 for individuals and $400.00 for couples unless otherwise stated. Any failure to pay could result in us turning over your account to a collection agency which will go against your credit.

5. Client authorizes Hope Credit Restoration to communicate with Experian, Equifax, Trans Union,

and any other company or individual on His/Her behalf. This authorization is only

valid for the purpose of attempting to improve the client’s credit worthiness or

obtaining information that is necessary to correct or improve specific accounts.

6. Client is aware that all derogatory items after a specific period of time must

automatically be removed. Bankruptcies, ten years from the date filed. All others

seven years from the date of last activity.

7. Client further agrees to provide the consultant with a copy of all correspondence

and confirmations from the credit bureaus.

8. Client is responsible for all debts owed to the creditor that was not successfully

removed by the dispute process. Consultant may keep for His/Her records all

documentation and material used and produced, during credit repair. We will keep

all files on record for two years.

9. Client is aware that the fee they are paying to Hope Credit Restoration is for document

preparation, consulting, and not solely for credit repair.

10. Client agrees that any attorney fees encountered during payment plan or credit

repair are client’s responsibility. And client will not hold Hope Credit Restoration liable or

responsible for any adverse action.

11. Client agrees that this constitutes their entire agreement.

12. Consultant will attempt to improve client’s credit profile or credit report by

utilizing methods in the FAIR CREDIT REPORTING ACT OF 1970, SECTION

168LI. However, the consultant does not promise any particular standard of

improvement can be attained. This will remain in effect only if you abide by the

following:

· Have no checks returned from your bank for “ANY” reason while in credit

repair.

· Mail all credit reports and credit bureau response letters promptly to Hope Credit Restoration.

· “DO NOT” apply for credit while this agreement is in effect.

*** To receive our money back guarantee you must comply with all of Hope Credit Restoration's requests such as forwarding all Credit Reports to us immediately and make all payments on time with no failed attempts, if you miss even one payment you forfeit the Money Back Guarantee due to non compliance of the terms. This is due to the fact once you stop paying we stop our work until a payment is received, which slows down the overall timeframe for results...so Make all Payments on time!! If you see no positive change on your reports at the six month PLUS 45 days for a regular invstigation which equals 7 months 15 days  mark we will refund your money 100%, no questions asked.

"The Six Month Guarantee does NOT begin until Customer Receives his/her first Updated credit report and Faxes it to our office!!!"

****ALL Early Requests for Money Back prior to the 7 Month Mark will be subject to a $200 Early Contract Cancellation fee which will be enforced for Individual and $400 for Couples Programs.*****

“Notice of Cancellation”

                     

You may cancel this contract, without penalty or obligation within Three (3) business days after

the date this contract is signed. To do so, send a certified letter in the mail or hand deliver a

signed and dated “Notice of Cancellation Letter” and your cancellation request will be honored.

A full refund will be provided that day.

By Submitting your information through the "Submit Now" button you AGREE to ALL Terms and Conditions described above and will be held liable for all missed Payments or Early Release from your conract which includes but not limited to: Turning over your case to a Collection Agency!!  We are here to help customers, but we won't be taken advantage of, our services are pricesless amd our fee is one of the lowest in the nation because we truly do want to help customers.