This program makes it so virtually anyone can afford to have their credit repaired. Don't wait any longer to have your financial life in order. For a small fee every month you can have a professional handle all the details necessary to correct the negatives on your credit report; no tracking paper work, no making phone calls, no going through old documents, no wasted time keeping you away from your job or business. We handle everything, so you can have the free time to do the important things in your life.
Set Up fee: $190.00 to open account and set up your credit restoration process
Only $90.00 per month for 6 months this comes with our 110% guarantee to improve your credit
We only charge your account after previous month has been completed
A. This Credit Report analysis/restoration Contract between JHL Financial Services, Inc and the undersigned "Client" (refers to both in case of a couple) is for the purpose of purchasing credit report analysis/ restoration/ investigation services (the "Services"). The "Services" will include preparation of correspondence to credit bureaus to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information, which the "Client" states appears on the credit reports which the "Client" has furnished JHL Financial Services, Inc. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. JHL Financial Services, Inc agrees to use its best efforts to provide the "Services", and will perform them in accordance with federal and state laws.
B. The “Client” understands that there will be a non refundable Credit Report Set Up Fee of $96.00 for an individual, and $192.00 for a couple, billed at the time this contract is signed and that JHL Financial Services, Inc will analyze the “Client’s” credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. Excluding this Credit Report Analysis Fee, there will be no fees or any other charges associated with the “Services” until after the completion of the first month of “Services”. The “Client” understands and agrees that after the first month of “Services”, a fee of $96.00 for an individual, and 192.00 for a couple will be due, and that this fee will be charged five months until contract period is completed. The monthly fee is for all costs and fees associated with the previous month's “Services”. The “Client” understands that the monthly fee includes the continuing analysis and investigation/dispute of up to three credit bureaus, all correspondence associated with the credit report investigation, and improvement process, the 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, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report improvement. C. The “Client” agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to JHL Financial Services, Inc. within ten (14)days after the date received. If the “Client” has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis, the “Client” must notify JHL Financial Services, Inc. D. The term of this contract shall be for six months. “Client” may cancel this contract up to 5 days. If the “Client” decides to cancel the “Services” and terminate this contract, the “Client” shall give written notice requesting such termination within 5 days to JHL Financial Services, Inc. The “Client” is responsible for payment of any “Services” performed by JHL Financial Services, Inc. from the date of receipt of the notice to cancel such “Services”. E. By executing this contract to obtain JHL Financial Services, Inc. Credit Report analysis /Investigation Services, the “Client” grants JHL Financial Services, Inc. during the term of this contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the “Client” provided in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of “Client’s” credit reports, “Client’s” credit history or other creditor information for the “Services”; 2) use “Client’s” name to sign correspondence addressed to creditors, record holders and credit bureaus; 3) obtain credit information over the telephone, fax, and or through the internet from record holders; 4) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. JHL Financial Services, Inc. acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, JHL Financial Services, Inc. will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The “Client” shall have the right to revoke or terminate the limited power of attorney provided under this contract at any time upon written notice to JHL Financial Services, Inc. Otherwise, the limited power of attorney shall terminate upon termination of this contract. All questions pertaining to validity, interpretation and administration of this contract shall be determined in accordance with the laws of New York. “Client” agrees that the “Client’s” limited power of attorney is valid throughout the United States for all Customer Information to be obtained by JHL Financial Services, Inc. pursuant to this contract by the binding and enforceable signatures set forth below. This contract 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.
F. Money Back Guarantee. To be eligible for a refund 110% GUARANTEE the “Client” must be actively enrolled in the “Services” for six months. If at the end of six months, the “Client” has sent all correspondence from credit reporting agencies within 14 days and completed “Client’s” commitments to the “Service”, and the “Client” has not received any improvements or deletions, JHL Financial Services, Inc. will gladly offer the “Client” a refund 110% of original purchase price of program. JHL Financial Services, Inc. agrees to improve the “Client’s” credit profile during the period of six months. The “Client” understands that the results obtained by JHL Financial Services, Inc. on behalf of the “Client” are dependent on numerous factors, including but not limited to the “Client’s” ability to repay debts and loans, cooperation of the “Client’s” creditors, and credit bureaus ability to verify information provided to them by JHL Financial Services, Inc. on behalf of the “Client”.
G. The “Client” agrees to indemnify and hold JHL Financial Services, Inc. , their agents, brokers and employees, harmless from all claims, losses, expenses, fees including attorney fees, costs, judgments that may be asserted against the “Client” that result from the acts of omissions.
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to dispute inaccurate information in your credit report by contracting 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 10years. 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 60days. 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 accuracy of information in your credit file. 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 issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.
