CLIENT SERVICE AGREEMENT
THIS CLIENT SERVICE AGREEMENT (the “Agreement”) is entered into as of [TODAY_DATE] (the
“Effective Date”) by and between [COMPANY_NAME] LLC (hereinafter “Credit Brains”) with a mailing
address of [COMPANY_ADDRESS], [COMPANY_CITY], [COMPANY_STATE] [COMPANY_POSTCODE] and
[CLIENT_FIRST_NAME] [CLIENT_MIDDLE_NAME] [CLIENT_LAST_NAME] (hereinafter the “Client”),
located at [CLIENT_ADDRESS] (collectively referred to herein as the “Parties,” and individually as a
WHEREAS, [COMPANY_NAME] is a financial service firm that specializes in credit restoration
services for clients who have determined that they have unauthorized credit accounts and/or errors on
their personal credit reports; and
WHEREAS, the Client hereby desires to engage the services of [COMPANY_NAME] and wishes to
enter into an agreement under which [COMPANY_NAME] will provide certain credit-related services to
the Client in accordance with the terms herein and [COMPANY_NAME] agrees to provide the services as
outlined herein to the Client; and
WHEREAS, Client understands that they have the right to dispute inaccurate information in their
credit report by contacting the credit bureau directly, but Client is retaining [COMPANY_NAME] to
perform the credit repair services listed herein. The client understands that no credit repair company,
including [COMPANY_NAME], can have accurate, current, and verifiable information removed from the
Client’s credit report.
NOW, THEREFORE, in consideration of the mutual agreements and covenants contained
herein, the receipt and sufficiency of which are hereby acknowledged and incorporated by reference,
the parties to this Agreement hereby agree as follows:
TERMS OF THE AGREEMENT
1. CREDIT REPAIR SERVICES DESCRIPTION: [COMPANY_NAME] shall help in the evaluation of the
Client’s current credit reports with applicable credit reporting agencies and identify inaccurate,
erroneous, false, and/or obsolete information on such accounts. [COMPANY_NAME] shall advise the
Client as to the necessary steps to be taken on the part of the Client in conjunction with
[COMPANY_NAME] to dispute any inaccurate, erroneous, false, and/or obsolete information contained
in the Client’s credit reports. [COMPANY_NAME], in conjunction with the assistance of the Client, will
aim to remove negative accounts, collections, public records, and inquiries that they believe are
inaccurate or unauthorized from the Client’s credit reports and to decrease the collective number of
negative issues affecting the Client’s credit scores.
THE CLIENT HEREBY AGREES, ACCEPTS, AND ACKNOWLEDGES THAT THE SERVICES PROVIDED BY
[COMPANY_NAME] ARE THE ONLY SERVICES [COMPANY_NAME] HAS AGREED TO PROVIDE UNDER THIS
AGREEMENT AND THAT THERE HAVE BEEN NO PROMISES OR GUARANTEES OF ANY FUTURE SERVICES
OR ANY OTHER KIND OF SERVICES NOT SPECIFIED HEREIN. THE SERVICES TO BE PROVIDED BY
[COMPANY_NAME] TO THE CLIENT ARE DOCUMENT PRODUCTION SERVICES (PRODUCTION OF
DOCUMENTS FOR FOUR (4) ROUNDS OF CREDIT DISPUTE CHALLENGES FOR EACH DISPUTED ENTRY) AND
ALL FEES PAID BY THE CLIENT TO [COMPANY_NAME] ARE FEES INCURRED AS A RESULT OF
[COMPANY_NAME] PROVIDING SUCH DOCUMENT PRODUCTION SERVICES. ANY AND ALL GUARANTEES
PROVIDED FOR HEREIN PURELY APPLY TO THE DATA PRODUCTION SERVICES OF [COMPANY_NAME]
AND NOT TO ANY RESULTS IN CONNECTION WITH THE SUBMISSION OF SUCH DOCUMENTS TO ANY
PARTICULAR CREDIT BUREAU. FURTHER, THE CLIENT AGREES, ACCEPTS, AND ACKNOWLEDGES THAT
THESE ARE THE ONLY SERVICES CLIENT IS PAYING FOR AND THE ONLY SERVICES CLIENT ANTICIPATES,
BELIEVES, OR EXPECTS [COMPANY_NAME]TO PERFORM UNDER THIS AGREEMENT.
2. INDEPENDENT CONTRACTOR STATUS: This Agreement shall serve as the guiding regulation for the
relationship of the Parties hereto which shall be that of an independent contractor. Therefore, nothing
herein in this Agreement shall be assumed to create an employer-employee relationship between
[COMPANY_NAME] and the Client. [COMPANY_NAME] shall assume an independent contractor status in
relation to the Client. No agency relationship, partnership, or joint venture shall be created by virtue of
this Agreement, and [COMPANY_NAME] shall have limited authority, express or implied, to enter into
contracts with third parties or make representations on behalf of the Client without the Client’s consent.
3. SERVICES PHASES AND PRICING:
3.1 Trial Period & Credit Audit: [COMPANY_NAME] shall connectprovide You with a One U.S.
Dollar ($1.00) trial Credit Audit Report in addition to seven (7) days membership of free credit
monitoring service provided by IdentityIQ.
3.2 Negative Account Summary: The above-referenced Credit Audit Report will include an easy-
to-read Negative Account Summary, highlighting the negative issues damaging your credit score.
3.3 Consultation Call: During this Consultation Call, your questions will be answered by a
[COMPANY_NAME] representative, and You will alert such [COMPANY_NAME] representative to any
accounts on your Negative Account Summary that should be excluded from the dispute process.
3.4 Bespoke Quote: Based on your Negative Account Summary, [COMPANY_NAME] and You
have agreed to the following consultancy and document preparation terms. [COMPANY_NAME] agrees
to act on your behalf, preparing and sending high-quality attorney-drafted dispute letters to the credit
bureaus to challenge the items you've requested.
3.5 Pay-Per-Delete Membership: Client agrees to pay Company a one-time enrollment fee of
Four Hundred and Ninety-Nine U.S. Dollars ($499.00) (the “Enrollment Fee”) on [ENTER DUE DATE OF
ENROLLMENT FEE]. The Enrollment Fee shall be applied to deletions of negative accounts on Client’s
credit reports. The price-per-deletion is dependent upon the number of negative accounts and/or
negative account types on Client’s credit report. Your Bespoke Pay-Per-Delete Rate for the Negative
Accounts outlined in your credit audit report is ___________, and ____________ for Inquiry Deletions.
Payment for deleted accounts shall be payable within 7 days of confirmation. Enrollment starts you all
clients out on the 'Paid After Deletion Rates’ but automatically converts to installments rates if deletions
are not repaid in full within 7 days.
deletions may be removed for as low as Seventy-Five U.S. Dollars ($75.00) Per Negative Account
deletion, however the actual price charged per account deletion will be determined by Company on a
per deleted account basis. Inquiry deletions may be removed for as low as Twenty-Five U.S. Dollars
($25.00) Per Inquiry deletion, however the actual price charged per inquiry deletion will be determined
by Company on a per deleted inquiry basis.
The agreed-upon fee of [1ST_AMOUNT] will be governed by the terms contained in this Agreement.
3.5 [COMPANY_NAME] The Work and Work Payment Begins:
Once you’ve agreed to the above-referenced price quote, [COMPANY_NAME] will begin repairing your
credit by challenging the bureaus to verify or delete the prior identified entries in your credit reports.
As a precondition to the commencement of the work and specifically on the unauthorized account
declaration, you the client agrees that (select one)
☐ You They opened the negative accounts in dispute, and the debt is yourtheir responsibility
☐ The accounts in dispute were unauthorized, and youthey would like the Company to utilize all
available Fair Credit Reporting Act (FCRA) credit repair laws.
You shall keep the IdentityIQ account open/active to allow the Company verify the effectiveness of the
dispute round. In the event that the account is canceled or the password gets changed before the
Company can reconcile their efforts, the Company shall assume that they were successful and therefore
have deleted at least 10 accounts and are due $999; if you disagree, restoring access will resolve the
The installment plan is a zero-interest finance, 12 months just as the cash agreement. The minimum
monthly payment shall be $250. You shall pay the Company for the services when it falls due. The
Company may suspend the services or use collection action for non-payment or late payment. There
shall be no refunds for services already performed. Where the Company does not successfully dispute
and have the credit bureaus delete a combined total of ______ inaccurate items on your credit report
within _________days, you will be entitled to half your money back. If the Company cannot successfully
dispute and have the credit bureaus delete any inaccurate items on your credit report within
_______days, you will be entitled to a full refund within ___________days of your written request to
receive a full refund.
There shall be a monthly billing cap of $_______________. This is the maximum that can be charged,
notwithstanding the success of the deletion round.
3.6 Guaranteed Results: [COMPANY_NAME] generally performs up to four (4) rounds of
disputes and works toward defined minimum targets. [COMPANY_NAME] can’t promise you that every
dispute will be successful. [COMPANY_NAME] shall aim to have at least Eighty percent (80%) of the
identified disputed entries deleted (or upgraded to a positive status) within a maximum of four (4)
rounds of disputes. Severe cases may need additional disputes. If [COMPANY_NAME], in the first round
of deletion attempts, achieves at least fifty percent (50%) deletions/upgrades, but less than Eighty
percent (80%) then [COMPANY_NAME] shall retain the Enrollment Fee provided above. agrees to
extend its serves until it reaches its Eighty percent (80%) minimum target with no extra fee for such an
extension in services. In the unlikely event that [COMPANY_NAME] fails to achieve its fifty percent (50%)
deletions/upgrades target, then [COMPANY_NAME] shall refund its service feesthe Enrollment Fee to
3.7 You agree that by signing this Agreement, you are providing [COMPANY_NAME] with
“written instructions” in accordance with the Fair Credit Reporting Act to periodically obtain your credit
reports from any consumer report agency and to use such credit reports to provide you with the
services agreed herein.
3.8 In the event that you made use of IdentityIQ’s seven (7) days free trial and you did not
cancel your services, you will be charged service fees in accordance with the price quote provided to you
3.9 You authorize IdentityIQ to be your official payment-processing agent to bill Charges to your
credit or debit card, or by paying using other payment methods approved by us. You agree to keep your
payment information current during the duration of this Agreement. In the event that we are unable to
charge you using the preferred payment method, we may suspend or terminate your access to our
3.10 Depending on your price quote, You may be billed once per month, and your services will
be renewed each month unless you cancel services. If your bill day is not available on a particular
month, then you will be billed on the last day of that month.
3.11 Kindly note that our service fees are subject to change from time to time.
[COMPANY_NAME] provide advance notice to you before any fee increase, and you have the right to
cancel services if you do not agree to such a price increase.
3.12 Debt Collection. If you fail to pay a submitted invoice hereunder in a timely manner in
accordance with the payment terms of Company, Company may immediately stop any and all services
and submit your debt to a debt collection agency, and if Company does so, you must pay any costs that
Company incurs in connection with the recovery of the unpaid debt (including the agency’s fees and any
4. TERM & TERMINATION:
4.1 Term: This Agreement shall commence, continue, and remain in effect as agreed herein
unless terminated by either Party herein this Agreement or subject to other conditions provided herein
4.2 You have the right to cancel this Agreement at any time during your trial period (if
applicable), without any obligation or penalty.
4.3 [COMPANY_NAME] may cancel this Agreement and terminate services at any time and for
any reason. We reserve the right to cancel services and terminate this Agreement immediately and
without prior notice to you if we suspect that you have breached any term of this Agreement.
4.4 Termination for Cause: The Client may cancel or rescind this Agreement for reasons best
known to the Client by delivering notice to this effect to [COMPANY_NAME] within three (3) working
days from the date this Agreement is signed between the Client and [COMPANY_NAME]. The Client shall
be required to notify [COMPANY_NAME] of such cancellation request in writing.
4.5 [COMPANY_NAME] will begin the performance of the Services only after three (3) days have
passed from the date Client has signed this Agreement. Further, the Client can, as set forth below,
cancel this Agreement during this three (3) day period without any obligation to pay anything hereunder
(see EXHIBIT A – “Notice of Cancellation” page).
5. CONFIDENTIALITY: [COMPANY_NAME] and the Client hereby acknowledge and agree that any and all
information relating to the other Party’s business, which is not generally known to the public or which is
tagged to be confidential by the other Party is and shall remain confidential and proprietary information.
Neither [COMPANY_NAME] nor the Client shall be obliged to disclose the Confidential Information to
any unauthorized third party without the prior written consent of the other Party in this Agreement. The
details of this Agreement and the services to be provided, the relationship, or operating practices shall
not be made public on any website, Internet forum, social networking site, message board, or any other
public media without the express written consent of both Parties.
6. WARRANTY DISCLAIMER: [COMPANY_NAME] agrees only to perform the services specifically
described herein in this Agreement. Results disclosed in testimonies received by [COMPANY_NAME]
from previous Clients are not necessarily the results of the average client. The Client recognizes and
understands that every Client’s circumstances are different and that [COMPANY_NAME] does not
represent or warrant that it will achieve specific results for the Client. [COMPANY_NAME] does not
represent or guarantee that the Client will receive new credit or loans, credit cards, or mortgages as a
result of [COMPANY_NAME]’ services.
7. LIMITATION ON LIABILITY: To the maximum extent permitted by law and in accordance with the
provision of this Agreement, neither Party shall be liable to the other because of the termination of this
Agreement within the first three (3) days after the execution of this Agreement. [COMPANY_NAME]
shall not be liable to Client for any incidental or consequential damages or any amount that exceeds the
total fees paid by Client to [COMPANY_NAME] under this Agreement. [COMPANY_NAME] shall have no
liability for any failure or delay due to matters beyond their reasonable control.
8. INDEMNIFICATION: The client agrees to defend, indemnify and hold [COMPANY_NAME] and its
members, managers, employees, and agents harmless from and against any and all claims, demands,
actions, liabilities, costs, or damages arising out of [COMPANY_NAME]’ provision of services to Client
under this Agreement or Client’s breach of this Agreement, except for claims, demands, actions,
liabilities, costs or damages arising out of [COMPANY_NAME]’ gross negligence or willful misconduct.
The client further agrees to pay [COMPANY_NAME]’ reasonable attorneys’ fees and costs arising from
any actions or claims eligible for indemnification under this Agreement.
8.1 Client acknowledges and attests that the information provided to [COMPANY_NAME] is true
and correct to the best of the Client’s knowledge and belief. Any material misstatements of fact made
by Client to [COMPANY_NAME] will, at [COMPANY_NAME]’ option, relieve [COMPANY_NAME] of any
further obligation to perform under this Agreement.
9. GOVERNING LAW, ARBITRATION & JURISDICTION:
9.1 This Agreement shall be governed by and construed in accordance with all applicable State
laws of the State of Georgia and Federal laws of the United States of America, without regard to
principles of conflicts of law. Each Party hereby irrevocably submits to the jurisdiction and venue of the
federal and/or state courts of the applicable State for the purpose of any legal or equitable action arising
from this Agreement.
9.2 Each Party agrees that any controversy or claim arising out of or relating to this Agreement,
or the breach thereof, shall be settled by arbitration in the applicable State in accordance with the rules
of The American Arbitration Association (“AAA”). In case of a dispute between the Parties relating to or
arising out of this Agreement, the Parties shall first attempt to resolve the dispute personally and in
good faith. If these personal resolution attempts fail, the Parties shall then submit the dispute to binding
arbitration. The arbitration shall be conducted in the State of Georgia, the County of Fulton. The
arbitration shall be conducted by a single arbitrator, and such arbitrator shall have no authority to add
Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrator
shall be bound by applicable and governing Federal law as well as the law of the State of Georgia. Each
Party shall pay its own costs and fees. Claims necessitating arbitration under this section include, but are
not limited to, the following: contract claims, tort claims, claims based on federal and state law, and
claims based on local laws, ordinances, statutes, or regulations. The Parties, in agreement with this sub-
part of this Agreement, waive any rights they may have to a jury trial in regard to arbitral claims.
9.3 In the event that the Client fails or refuses to pay amounts properly due and owing, Credit
Brains may elect to proceed by way of collective action within the courts of proper jurisdiction, without
the use of any arbitration. Further, should any court of competent jurisdiction determine that this
arbitration clause is not enforceable, then the remainder of the terms and restrictions contained therein
shall apply to said litigation. Under such circumstances and in the event of any such litigation, no jury
trial shall be allowed to any Party.
10. NOTICES: All notices and other communications hereunder shall be given in writing to the addresses
provided in the first paragraph of this Agreement and shall be deemed to be duly given and effective: (i)
upon receipt if delivered by electronic mail or facsimile, (ii) three (3) days after deposit in the United
States mail, and (iii) one day after deposit with a national overnight express delivery service. Either Party
may change the following contact information upon written notice to the other Party.
11. MISCELLANEOUS PROVISIONS. If any provision of this Agreement is held to be inapplicable, invalid,
or unenforceable by a court of contempt jurisdiction, then such provision shall be construed, as nearly
as possible, to reflect the intentions of the Parties, with the other provisions remaining in full force and
effect. This Agreement may be amended after being executed but only by the mutual consent of both
parties herein. Any amendments to this Agreement must be in writing and signed by both Parties. The
Parties herein agree to have read and have a full understanding of this Agreement and agree to be
bound by its terms and conditions, and further agree that it constitutes the complete and entire
Agreement of the parties and supersedes all prior written or oral communications, and all other
communications between them relating to the license and to the subject hereof.
12. LIMITED POWER OF ATTORNEY: The Client, the undersigned, agrees by executing this Agreement to
grant a limited power of attorney to [COMPANY_NAME], and any and all persons in their employ, as the
Client’s agent, to have the necessary power and authority to undertake and perform the services set
forth herein this Agreement on the Client’s behalf. The Client hereby grants permission to
[COMPANY_NAME] to sign the Client’s name on all documents written or submitted electronically on
the Client’s behalf for the purpose of disputing inaccurate, erroneous, and obsolete credit information
held on the Client’s report by the consumer credit reporting agencies. This limited power of attorney is
given to The [COMPANY_NAME] in compliance with section 611 of the Federal Fair Credit Reporting Act.
BY SIGNING BELOW AND SIGNING EXHIBIT B BELOW, THE CLIENT HEREBY ENTERS INTO AND AGREES
TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT. FURTHER, THE CLIENT
ACKNOWLEDGES THAT THE CLIENT HAS READ THIS AGREEMENT IN ITS ENTIRETY AND CLIENT FULLY
UNDERSTANDS THE CONTENTS OF THE AGREEMENT.
THE CLIENT MAY CANCEL THIS AGREEMENT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY
AFTER THE DATE OF THE SIGNING OF THIS AGREEMENT. PLEASE SEE THE ATTACHED NOTICE OF
CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
IN WITNESS WHEREOF, the Parties hereto hereby executed this Client Service Agreement on the
date first above written.
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