Terms of Service

Terms of Service

The specific services, guarantees, payment terms, time frame, and total cost are outlined in the client disclosure statement incorporated herein. NOW, in consideration of the mutual promises contained herein, the parties agree as follows:

Conflict of Interest Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company Products, they are not presently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months.

Indemnification by Client 

Client shall indemnify and hold Company free and harmless from any claims, damages, or lawsuits (including reasonable attorneys’ fees) arising out of negligence or malfeasant acts of the Client.

Indemnification by Company

Company shall indemnify and hold Client free and harmless from any claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of the failure of Company to provide reasonable credit score increase within the allotted term.

Affiliate Service Provider

While it is not the current policy of Hellcat Consultants to use an affiliate service provider, the Company can fulfill the credit services through a credit services processor or affiliate to serve you best.

Terms and Termination

a. Term. This Agreement shall continue as outlined in “Exhibit A” unless terminated by Company or Client as provided herein. b. Termination for Cause. If either party defaults in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party, and if the default is not cured within thirty (30) days following such announcement, the Agreement will be terminated.

Confidentiality

The Client acknowledges that because of its relationship to Company, they will have access to certain information and material concerning the Company’s business that are of substantial value to the Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company.

Governing Law and Jurisdiction

This Agreement shall be governed by and construed according to the laws of the State of Ohio.

Entire Agreement

This Agreement sets forth the entire Agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.

Notices

Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested, or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address.

Severability

If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall remain in full force and effort.

Legal Expenses

The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.

CLIENT OBLIGATIONS

The Client will need a Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, the electric bill, etc…)The Client agrees to maintain a “credit monitoring system” and provide Hellcat Consultants Inc access to that account. If the Client fails to keep an active monitoring account and fails to provide credit results, Client’s file shall assess a $100 cancellation fee.The Client agrees to forward all mail received regarding their credit file to Hellcat Consultants Inc.

GUARANTEE POLICY

If you do not see positive results within 90 days, you are entitled to a refund last charged. This guarantee is valid for 90 days from the date of enrollment. After 90 days from the date of enrollment, it will expire. (A result could be the removal of negative items or increase in credit score.) accordance with the terms outlined in terms of service.

NOTICE OF RIGHT TO CANCEL 

YOU HAVE A RIGHT TO CANCEL THIS AGREEMENT WITHIN 3 DAYS CANCELLATION WITH FINAL FILE REVIEW – $0 A client has full authority to cancel this Agreement anytime within the first five days with no fees. If that period has passed, Client will be liable for expenses related to completed work. This will include any work that has occurred on the client file. Upon the decision to cancel, Client will be notified of their final file review date. At that point, Credit Honor will review the file for any deletions or repairs. The client will be billed for any removals or repairs, and the data will be closed. If no deletions or replacements have occurred, then no fees will be assessed, and the client file will be closed.

Cancellation Policy 

Services are provided on a month -to- month basis, and clients may cancel their service at any time at least (10) ten days in advance of any upcoming recurring payment. When canceled according to these terms, the future recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.

DISCLOSURE STATEMENTS

All clients of Credit Honor must read and understand the following statements.Client understands this is a binding agreement, and failure to make the payment for completed services can result in harmful activity to Client’s credit file.Credit Honor also reserves the right to file the proper paperwork to obtain a Judgment for the amounts owed plus any legal fees.Either party may cancel this Agreement at any time. Cancellation must be sent in a formal written format. Notice shall not be considered received unless all parties have received confirmation of receipt. Hellcat Consultants shall, within the course of 1 to 3 business days of signup, set up clients with their online private client site, which will allow them to check progress throughout their service.A username and password will be provided to the Client to access their online private client site. Hellcat Consultants shall prepare challenges for items appearing on the customer’s credit reports per the FCRA. Hellcat Consultants will submit transmittals of challenges within seven business days of receipt of credit information and executed disclosure and agreement from the customer. After each consecutive round of service, Hellcat Consultants shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair, and Accurate Transactions Act and Fair Credit Billing Act.All items repaired or removed will be posted to the Client’s private client site, accessed online by username and password provided to Client the client upon initiation. Hellcat Consultants  shall assist Client in determining the action to take with each account in regards to that Client’s file. Hellcat Consultants is available to review the Client’s credit file by calling the customer service numbers provided upon enrollment. The client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.The client acknowledges receipt of Consumer Credit File Rights under State and Federal Law. Hellcat Consultants shall also provide client services staff for assistance in answering questions regarding a client’s account. Hellcat Consultants will ONLY challenge items as legally allowed.

F.T.C. DISCLOSURE

A MESSAGE FROM THE FEDERAL TRADE COMMISSIONYou 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 seven years old. Bankruptcy information can be reported for ten 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, 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 three 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 the 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. 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(a) Separate Statement Requirement- The written statement required under this section shall be provided as a document that is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material supplied to the consumer.(b) Retention of Compliance Records-In general-The, the credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.Maintenance for two years: The copy of any consumer’s statement shall be kept in the organization’s files for two years after the consumer’s statement is signed.

CONSUMER NOTICES

All clients of Credit Honor must read and understand the following statements. A “removal” is defined as an item, tradeline, personal information, or inquiry removed from any of the Client’s three credit files for ANY reason during our service.A “repair” is defined as any “formerly negative” tradeline or any of the Client’s credit files that, during our service, become a “positive” tradeline. This could include but is not limited to removing “late notations” or “status change.

“THE FOLLOWING ARE PART OF BUT NOT CONSIDERED TO BE A COMPLETE LIST OF OUR SERVICES.

Create a unique, secure interactive client web portal for online access.A username and password will be provided to the Client to access their online private client site.Create a safe online environment as part of the client web portal for secure document sharing and transfer. Assist the Client in obtaining a copy of the credit report if needed. Analysis and review of the client credit report.Enter Data from clients’ credit report into the internal database. Enter Data from clients’ credit report into a secure interactive client web portal. Enter the client’s information into a secure web portal for tracking purposes. Provide client link to perform opt-out to reduce junk mail.Analysis and review of client file status updates. Hellcat Consultants shall also provide client services staff for assistance in answering questions regarding a client’s account. Update Client secure interactive web portal with most recent updates and notes.Receiving and processing of Manual Updates. Respond to, receive, and or initiate correspondence via telephone, mail, e-mail, or fax.Review the client’s credit report updates to determine the next step. Create a strategic plan to assist clients in meeting their goals. Create dispute letters. Assist with credit questions. Provide ongoing credit education. We would like to take this time to thank you for trusting Hellcat Consultants to help you through this difficult time. We are glad you have given us the chance to help, and we look forward to a successful relationship together.