Terms & Conditions
Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
- Consumer Credit File Rights (CROA Disclosure)
- Right Of Cancellation Notice
- Authorization for Credit Repair Action
- Credit Service Agreement
Terms and Conditions
Cancellation Policy: How do I cancel service if I no longer need it?
If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, credit repair isn’t going to happen overnight.
To do so, you can cancel your service agreement at any time by calling 1-505-326-1722.
TERMS & CONDITIONS
This agreement is made effective by and between Credit Solutions of N.M. hereafter referred as “CSNM” and Client and/or Co-Client hereafter referred as “Client’s”.
1. SCOPE OF DUTIES: Credit Solutions of N.M. hereby agrees to perform the following services:
A. To evaluate Client's current credit reports as listed with available credit reporting agencies.
B. To identify, under direction of the Client, inaccurate, erroneous, false, or obsolete information.
C. To advise the Client of the steps to be taken to dispute any inaccurate, erroneous, false, or obsolete information contained in the Client's credit reports.
D. To prepare and send correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Client's credit reports.
E. To review credit profile status from the applicable credit reporting agencies.
F. All Correspondence will be mailed using U.S.P.S. First Class mail unless Client's prefer Certified Mail Return Receipt (optional certified mail is an additional $20 per round per client).
I, Client/’s, also agree to open a Credit Monitoring account for the duration of my service with Credit Solutions of N.M.
A. I will provide Credit Solutions of N.M. with the login credentials
B. I authorize Credit Solutions of N.M. to use the Credit Monitoring account to track my credit during the duration of my service.
C. I agree that I am financially responsible to paying for the Credit Monitoring account, and it is not paid for by Credit Solutions of N.M.
2. PROGRAM FEES:
A. Initial credit consultation is free.
B. First Work Fee
a. Client understands and agrees that he/she shall pay a non-refundable first work fee of $297.00 for individual or $397.00 for joint.
b. Completely set-up Client’s in our system to the point where Client’s login page is completely accessible by Client through CSNM’s advanced web-based interface.
C. Month to Month, at the end of each new month of service apart from the $297 or $397 first work fee, in each month during the term of this agreement. When we perform any one of the following, but not limited to:
a. Scheduled or manual updates
b. Updates from 3rd party credit monitoring sites
c. Analysis/audit of case file
d. All correspondence associated with the credit improvement process
e. Review for changes requested by the client to the client’s credit reports as a result of contacts made on the client’s behalf with each applicable credit bureau
f. Office/Virtual consultations/coaching sessions
g. Phone/email/text message consultations/coaching sessions
h. Any and all communications with client for the continuing planning and/or creation of documents for the purpose of credit report improvement.
D. Client understands and agrees that after a month of this service has been fully performed, a fee of $119.00 (tax included) for an individual or $179.00 ($89.50ea. tax included) for a couple will be due, and that this fee is for all costs and fees associated with the previous month’s services. All fees are fully earned when billed.
E. Refunds. Credit Solutions of New Mexico LLC., agrees to improve client’s credit picture of inaccurate, unverifiable and incomplete items during the term of this Agreement, in accordance with the terms of this Agreement. If Client is unsatisfied with the results and Client has been with Credit Solutions of New Mexico LLC., for a minimum of one year, and Client has fulfilled all of the following requirements: (a) forwarded credit bureau responses within 5 days of receipt, (b) did not engage in any credit repair efforts before the date of this contract, (c) has had no payment issues, (d) complied 100% with the commitments to the service, and (e) has not had any improvement to Client’s credit report by removing 50% or more of derogatory items from Client’s account, Credit Solutions of New Mexico LLC., will base refund on payments made to Credit Solutions of New Mexico LLC., less $75 per deleted item upon Client’s written request. This request must be made within 14 days of receipt of the Notice of Cancellation form. Client understands that the results obtained by Credit Solutions of New Mexico LLC., on behalf of Client are dependent on numerous factors, including but not limited to Client’s ability to repay debts and loans, cooperation of Client’s creditors, and credit bureaus ability to verify information provided to them by Credit Solutions of New Mexico LLC., on behalf of Client.
3. ACKNOWLEDGEMENT OF PROGRAM GUIDELINES AND COST OF SERVICES.
Client understands that the first work fee set forth in paragraph 2B is considered earned in its entirety after we perform the client(s) interview and also completely set-up Client in our system to the point where Client’s login page is completely accessible by Client through CSNM’s advanced web-based interface. The Monthly Program Fees are considered earned when activity mentioned in paragraph 2C, including but not limited to Office/Telephonic/Email/Virtual Consultation, advice, account overview, updating file of any item(s) has been reported as updated, verified, validated, removed, deleted, no longer on file, corrected or no longer reporting by any of the major credit bureaus.
4. CLIENT’S OBLIGATION
A. Client will return, along with signed agreement, a copy of their driver’s license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..).
B. Client agrees to maintain on time monthly payments of their current credit obligations (i.e. – car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to the progress and improvements made by Credit Solutions of N.M.
C. If Client was referred to Credit Solutions of N.M. by a referral partner, Client hereby expressly consents to Credit Solutions of N.M., sharing data concerning the progress of the credit restoration process with the referral partner.
D. Client also agrees to forward all originals to Credit Solutions of N.M. as soon as they receive items from any of the three credit bureaus, Equifax (CSC Credit services for TX residents), Experian, and TransUnion.
5. WAIVER
No term or provision of this Agreement shall be deemed waived and no breach excused, unless such waiver or consent shall be in writing and signed by the party claimed to have waived or consented. Any consent by any party to, or waiver of, a breach by the other party, whether express or implied, shall not constitute consent to, waiver of, or excuse for any different or subsequent breach.
6. INDEMNIFICATION
The client agrees to indemnify and hold CSNM, their agents and employees, harmless, from all claims, losses, expenses, any and all fees including attorney fees, costs judgments that may be asserted against the client(s) that result from the acts of omissions.
7. ENTIRE AGREEMENT This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties
8. GOVERNING LAW
This Agreement is deemed to have been executed and performed exclusively in the State of New Mexico. New Mexico law, without regard to conflict of law provisions, and federal law govern this Agreement. Any legal or equitable action concerning this Agreement shall be initiated only in San Juan County New Mexico, and both parties agree to submit to the personal and exclusive jurisdiction of the courts therein.
9. MISCELLANEUOS
• Client has read and understands their Rights under SEC 405 of the Credit Repair Organizations Act.
• Client has read and understands this agreement in its entirety.
• Client agrees proposed $297/$397 first work fees and $119/$179 mthly program payments will not be a financial hardship.
• Client authorizes CSNM to use my name, image, brief biographical information and any statements made regarding my experience with CSNM to communicate the effectiveness of CSNM's service to the public in any form of media available.
10. The Client(s) believes that the following noted negative credit listings on their consumer credit report(s) are 100% accurate, timely and/or verifiable. All negative items not listed are not 100% accurate and the Client(s) wishes them to be set-up in the database using one or more of the reasons listed below in the event of a future dispute or telephone negotiation on client’s behalf by our company. The Client(s) understands that the credit listings noted below may not be disputed and that these credit listings will remain on their consumer credit report(s) until the agencies remove them. The Client(s) understands that our company can and may appeal all other negative items not noted here below.
List Items NOT to be challenged/negotiated and are 100% accurate and verifiable under the F.C.R.A.: We will not set these items up in the system nor dispute them at any time in the future.
All other items on my credit report are the results of one or more of the following reasons that pertain to the verifiability and/or lack of accuracy of that account:
• I do not recall the listings as they are being as they are being reported
• I think that I may be a victim of ID Theft
• These accounts do not belong to me
• The status of the listings is not accurate
• I do not believe these listings are verifiable, or have been verified
• I was never late on the accounts
• The items are incomplete or do not match my records
11. NOTICE OF CANCELATION
YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE 3RD DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Just remember, credit repair isn’t going to happen overnight.
To do so, you can cancel your service agreement at any time by calling 1-505-326-1722.
TERMS & CONDITIONS
This agreement is made effective by and between Credit Solutions of N.M. hereafter referred as “CSNM” and Client and/or Co-Client hereafter referred as “Client’s”.
1. SCOPE OF DUTIES: Credit Solutions of N.M. hereby agrees to perform the following services:
A. To evaluate Client's current credit reports as listed with available credit reporting agencies.
B. To identify, under direction of the Client, inaccurate, erroneous, false, or obsolete information.
C. To advise the Client of the steps to be taken to dispute any inaccurate, erroneous, false, or obsolete information contained in the Client's credit reports.
D. To prepare and send correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Client's credit reports.
E. To review credit profile status from the applicable credit reporting agencies.
F. All Correspondence will be mailed using U.S.P.S. First Class mail unless Client's prefer Certified Mail Return Receipt (optional certified mail is an additional $20 per round per client).
I, Client/’s, also agree to open a Credit Monitoring account for the duration of my service with Credit Solutions of N.M.
A. I will provide Credit Solutions of N.M. with the login credentials
B. I authorize Credit Solutions of N.M. to use the Credit Monitoring account to track my credit during the duration of my service.
C. I agree that I am financially responsible to paying for the Credit Monitoring account, and it is not paid for by Credit Solutions of N.M.
2. PROGRAM FEES:
A. Initial credit consultation is free.
B. First Work Fee
a. Client understands and agrees that he/she shall pay a non-refundable first work fee of $297.00 for individual or $397.00 for joint.
b. Completely set-up Client’s in our system to the point where Client’s login page is completely accessible by Client through CSNM’s advanced web-based interface.
C. Month to Month, at the end of each new month of service apart from the $297 or $397 first work fee, in each month during the term of this agreement. When we perform any one of the following, but not limited to:
a. Scheduled or manual updates
b. Updates from 3rd party credit monitoring sites
c. Analysis/audit of case file
d. All correspondence associated with the credit improvement process
e. Review for changes requested by the client to the client’s credit reports as a result of contacts made on the client’s behalf with each applicable credit bureau
f. Office/Virtual consultations/coaching sessions
g. Phone/email/text message consultations/coaching sessions
h. Any and all communications with client for the continuing planning and/or creation of documents for the purpose of credit report improvement.
D. Client understands and agrees that after a month of this service has been fully performed, a fee of $119.00 (tax included) for an individual or $179.00 ($89.50ea. tax included) for a couple will be due, and that this fee is for all costs and fees associated with the previous month’s services. All fees are fully earned when billed.
E. Refunds. Credit Solutions of New Mexico LLC., agrees to improve client’s credit picture of inaccurate, unverifiable and incomplete items during the term of this Agreement, in accordance with the terms of this Agreement. If Client is unsatisfied with the results and Client has been with Credit Solutions of New Mexico LLC., for a minimum of one year, and Client has fulfilled all of the following requirements: (a) forwarded credit bureau responses within 5 days of receipt, (b) did not engage in any credit repair efforts before the date of this contract, (c) has had no payment issues, (d) complied 100% with the commitments to the service, and (e) has not had any improvement to Client’s credit report by removing 50% or more of derogatory items from Client’s account, Credit Solutions of New Mexico LLC., will base refund on payments made to Credit Solutions of New Mexico LLC., less $75 per deleted item upon Client’s written request. This request must be made within 14 days of receipt of the Notice of Cancellation form. Client understands that the results obtained by Credit Solutions of New Mexico LLC., on behalf of Client are dependent on numerous factors, including but not limited to Client’s ability to repay debts and loans, cooperation of Client’s creditors, and credit bureaus ability to verify information provided to them by Credit Solutions of New Mexico LLC., on behalf of Client.
3. ACKNOWLEDGEMENT OF PROGRAM GUIDELINES AND COST OF SERVICES.
Client understands that the first work fee set forth in paragraph 2B is considered earned in its entirety after we perform the client(s) interview and also completely set-up Client in our system to the point where Client’s login page is completely accessible by Client through CSNM’s advanced web-based interface. The Monthly Program Fees are considered earned when activity mentioned in paragraph 2C, including but not limited to Office/Telephonic/Email/Virtual Consultation, advice, account overview, updating file of any item(s) has been reported as updated, verified, validated, removed, deleted, no longer on file, corrected or no longer reporting by any of the major credit bureaus.
4. CLIENT’S OBLIGATION
A. Client will return, along with signed agreement, a copy of their driver’s license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..).
B. Client agrees to maintain on time monthly payments of their current credit obligations (i.e. – car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to the progress and improvements made by Credit Solutions of N.M.
C. If Client was referred to Credit Solutions of N.M. by a referral partner, Client hereby expressly consents to Credit Solutions of N.M., sharing data concerning the progress of the credit restoration process with the referral partner.
D. Client also agrees to forward all originals to Credit Solutions of N.M. as soon as they receive items from any of the three credit bureaus, Equifax (CSC Credit services for TX residents), Experian, and TransUnion.
5. WAIVER
No term or provision of this Agreement shall be deemed waived and no breach excused, unless such waiver or consent shall be in writing and signed by the party claimed to have waived or consented. Any consent by any party to, or waiver of, a breach by the other party, whether express or implied, shall not constitute consent to, waiver of, or excuse for any different or subsequent breach.
6. INDEMNIFICATION
The client agrees to indemnify and hold CSNM, their agents and employees, harmless, from all claims, losses, expenses, any and all fees including attorney fees, costs judgments that may be asserted against the client(s) that result from the acts of omissions.
7. ENTIRE AGREEMENT This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties
8. GOVERNING LAW
This Agreement is deemed to have been executed and performed exclusively in the State of New Mexico. New Mexico law, without regard to conflict of law provisions, and federal law govern this Agreement. Any legal or equitable action concerning this Agreement shall be initiated only in San Juan County New Mexico, and both parties agree to submit to the personal and exclusive jurisdiction of the courts therein.
9. MISCELLANEUOS
• Client has read and understands their Rights under SEC 405 of the Credit Repair Organizations Act.
• Client has read and understands this agreement in its entirety.
• Client agrees proposed $297/$397 first work fees and $119/$179 mthly program payments will not be a financial hardship.
• Client authorizes CSNM to use my name, image, brief biographical information and any statements made regarding my experience with CSNM to communicate the effectiveness of CSNM's service to the public in any form of media available.
10. The Client(s) believes that the following noted negative credit listings on their consumer credit report(s) are 100% accurate, timely and/or verifiable. All negative items not listed are not 100% accurate and the Client(s) wishes them to be set-up in the database using one or more of the reasons listed below in the event of a future dispute or telephone negotiation on client’s behalf by our company. The Client(s) understands that the credit listings noted below may not be disputed and that these credit listings will remain on their consumer credit report(s) until the agencies remove them. The Client(s) understands that our company can and may appeal all other negative items not noted here below.
List Items NOT to be challenged/negotiated and are 100% accurate and verifiable under the F.C.R.A.: We will not set these items up in the system nor dispute them at any time in the future.
All other items on my credit report are the results of one or more of the following reasons that pertain to the verifiability and/or lack of accuracy of that account:
• I do not recall the listings as they are being as they are being reported
• I think that I may be a victim of ID Theft
• These accounts do not belong to me
• The status of the listings is not accurate
• I do not believe these listings are verifiable, or have been verified
• I was never late on the accounts
• The items are incomplete or do not match my records
11. NOTICE OF CANCELATION
YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE 3RD DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
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