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Cancellation and Refunds
Your membership may be cancelled at any time by sending a written notice of cancellation. All fees are non-refundable, unless you cancel your membership within five (5) days of your initial signup or if no items have been updated or removed from your credit file in 6 months. You agree to pay any accrued, unbilled charges to your account through the date of cancellation at the time of cancellation, so long as you have not cancelled within five days of your initial signup or any renewal.
The only exception to our non-refund policy is if you provide written cancellation of your membership and we receive it prior to the expiration of your five day cooling off period. If you cancel your membership at any time within five days following your purchase of a membership (or selection of disputes or your renewal of a membership), within 15 days we will issue a refund for all fees you have paid during the membership that was cancelled. This means that you, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of your purchase or renewal of a membership, for any reason or no reason, without any liability for any charges during that membership. See the Notice of Cancellation form for an explanation of this right.
Grant of Limited Power of Attorney
Member empowers Credit Xperts, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to inaccurate, unverifiable or outdated information contained in member's personal credit profile, including, without limitation, the right to obtain the member's credit reports and profiles from credit reporting agencies and credit bureaus and/or their resellers, and to send disputes on your behalf in connection with any and all information on your credit report which you instruct us to dispute.
The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of Credit Xperts professional judgment. The specific acts shall require periodic ordering of member's consumer credit reports by Credit Repair Xperts or its affiliates or vendors. The specific acts may include written and oral communications in your name regarding disputes and negotiations with various agencies and entities disseminating credit data concerning member. The various agencies and entities include but are not limited to, credit reporting agencies, credit bureaus, creditors and collection agencies. Member authorizes Credit Xperts to order member's consumer credit reports from time to time. Member understands that this may result in a "Hard Inquiry" to be placed on his or her credit report, as if member had applied for credit, which can have a slight negative impact on credit score. Member specifically waives his or her right to privacy regarding those communications between Credit Xperts, and the various agencies and entities disseminating credit data regarding member.
You agree that when you receive our email advising you that your credit report is available for viewing, you will review the credit report and inform us which items you want disputed, if any. You agree that you will not ask us to dispute anything that you know to be accurate or not outdated. You will be charged for each dispute and/or request for verification if fees apply. (per item plan)
Member further gives and grants to Credit Xperts, full power and authority to do and perform every act necessary and proper in the exercise of any of the powers granted hereunder as fully as member might or would do if personally present, with full power of substitution and revocation, hereby ratifying and confirming all that said attorney in fact shall lawfully do or cause to be done by virtue hereof.
From time to time, credit reporting agencies may refuse to honor the provisions of the above grant of a power of attorney, and will therefore send a letter to you stating that they will not honor the dispute letter sent on your behalf by Credit Xperts. While Credit Xperts believes that this action by the credit reporting agencies is a violation of the provisions of the Fair Credit Reporting Act, in such case, you are encouraged to print out the Power of Attorney available on Credit Xperts website, and provide to Credit Xperts a notarized or acknowledged executed original Power of Attorney. Credit Xperts believes that the credit reporting agencies are more likely to honor the power of attorney in such case, and will then comply with their obligations under the Fair Credit Reporting Act. Upon receipt of the Power of Attorney, Credit Xperts will resend the disputes free of charge.
Upon your enrollment with Credit Xperts, you are authorizing us to obtain your credit report on your behalf. You should understand that this means we will be ordering your credit report, at our expense, and that an inquiry will appear on your credit report. Excessive inquiries can reduce your credit score temporarily. Alternatively, you can obtain your own credit report (with no hard inquiry), and send it to us for processing. Since most of our members prefer us to do this, we will obtain your credit report for you unless you tell us not to, in writing, before you sign up for a membership.
You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the Notice of Cancellation form for an explanation of this right.
Final Digital Signature: The Federal E-Sign Act (HR-1714):
The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Membership Agreement with your digital signature. You further agree that you understand the agreement and have read "Your Rights as a Consumer".
Credit Xperts does not guarantee a success rate. Our methods are based upon procedures that have been found to have a high success rate. The length of time necessary to complete Credit Restoration and Management Program varies from member to member. The typical amount of time necessary to complete the Credit Restoration and Management Program and see results is six (6) months. Any such renewal will be deemed a new purchase of a membership under the terms of this Agreement, and you will then have the same cancellation and refund rights described herein that apply to any new member. To clarify, this means that if your membership is renewed, you will then have the right to receive a full refund of any fees charged during the new membership if you cancel that renewed membership, for any reason or no reason, within five days of the renewal or of the dispute of items on your credit reports during such new membership. Credit Xperts is not liable for any changes in your credit profile which have an adverse affect on your credit rating. Credit Xperts is not liable for the actions of any companies in partnership with, or which provide services at the request of, Credit Xperts.
You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the Notice of Cancellation for an explanation of this right.
Your membership may be cancelled at any time by sending a written notice of cancellation. All fees are non-refundable, unless you cancel your membership within five (5) days of your initial signup or if no items have been updated or removed from your credit file in 6 months. You agree to pay any accrued, unbilled charges to your account through the date of cancellation at the time of cancellation, so long as you have not cancelled within five days of your initial signup or any renewal.
The only exception to our non-refund policy is if you provide written cancellation of your membership and we receive it prior to the expiration of your five day cooling off period. If you cancel your membership at any time within five days following your purchase of a membership (or selection of disputes or your renewal of a membership), within 15 days we will issue a refund for all fees you have paid during the membership that was cancelled. This means that you, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of your purchase or renewal of a membership, for any reason or no reason, without any liability for any charges during that membership. See the Notice of Cancellation form for an explanation of this right.
Grant of Limited Power of Attorney
Member empowers Credit Xperts, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to inaccurate, unverifiable or outdated information contained in member's personal credit profile, including, without limitation, the right to obtain the member's credit reports and profiles from credit reporting agencies and credit bureaus and/or their resellers, and to send disputes on your behalf in connection with any and all information on your credit report which you instruct us to dispute.
The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of Credit Xperts professional judgment. The specific acts shall require periodic ordering of member's consumer credit reports by Credit Repair Xperts or its affiliates or vendors. The specific acts may include written and oral communications in your name regarding disputes and negotiations with various agencies and entities disseminating credit data concerning member. The various agencies and entities include but are not limited to, credit reporting agencies, credit bureaus, creditors and collection agencies. Member authorizes Credit Xperts to order member's consumer credit reports from time to time. Member understands that this may result in a "Hard Inquiry" to be placed on his or her credit report, as if member had applied for credit, which can have a slight negative impact on credit score. Member specifically waives his or her right to privacy regarding those communications between Credit Xperts, and the various agencies and entities disseminating credit data regarding member.
You agree that when you receive our email advising you that your credit report is available for viewing, you will review the credit report and inform us which items you want disputed, if any. You agree that you will not ask us to dispute anything that you know to be accurate or not outdated. You will be charged for each dispute and/or request for verification if fees apply. (per item plan)
Member further gives and grants to Credit Xperts, full power and authority to do and perform every act necessary and proper in the exercise of any of the powers granted hereunder as fully as member might or would do if personally present, with full power of substitution and revocation, hereby ratifying and confirming all that said attorney in fact shall lawfully do or cause to be done by virtue hereof.
From time to time, credit reporting agencies may refuse to honor the provisions of the above grant of a power of attorney, and will therefore send a letter to you stating that they will not honor the dispute letter sent on your behalf by Credit Xperts. While Credit Xperts believes that this action by the credit reporting agencies is a violation of the provisions of the Fair Credit Reporting Act, in such case, you are encouraged to print out the Power of Attorney available on Credit Xperts website, and provide to Credit Xperts a notarized or acknowledged executed original Power of Attorney. Credit Xperts believes that the credit reporting agencies are more likely to honor the power of attorney in such case, and will then comply with their obligations under the Fair Credit Reporting Act. Upon receipt of the Power of Attorney, Credit Xperts will resend the disputes free of charge.
Upon your enrollment with Credit Xperts, you are authorizing us to obtain your credit report on your behalf. You should understand that this means we will be ordering your credit report, at our expense, and that an inquiry will appear on your credit report. Excessive inquiries can reduce your credit score temporarily. Alternatively, you can obtain your own credit report (with no hard inquiry), and send it to us for processing. Since most of our members prefer us to do this, we will obtain your credit report for you unless you tell us not to, in writing, before you sign up for a membership.
You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the Notice of Cancellation form for an explanation of this right.
Final Digital Signature: The Federal E-Sign Act (HR-1714):
The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Membership Agreement with your digital signature. You further agree that you understand the agreement and have read "Your Rights as a Consumer".
Credit Xperts does not guarantee a success rate. Our methods are based upon procedures that have been found to have a high success rate. The length of time necessary to complete Credit Restoration and Management Program varies from member to member. The typical amount of time necessary to complete the Credit Restoration and Management Program and see results is six (6) months. Any such renewal will be deemed a new purchase of a membership under the terms of this Agreement, and you will then have the same cancellation and refund rights described herein that apply to any new member. To clarify, this means that if your membership is renewed, you will then have the right to receive a full refund of any fees charged during the new membership if you cancel that renewed membership, for any reason or no reason, within five days of the renewal or of the dispute of items on your credit reports during such new membership. Credit Xperts is not liable for any changes in your credit profile which have an adverse affect on your credit rating. Credit Xperts is not liable for the actions of any companies in partnership with, or which provide services at the request of, Credit Xperts.
You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the Notice of Cancellation for an explanation of this right.