you deserve
to have home
CONSUMER CREDIT FILE UNDER STATE AND FEDERAL LAW
You 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, or insurance. You can 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 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 investigate 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 investigation 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
Credit Counseling and Repair Services Agreement
This agreement between Payton Credit Services LLC (consultant), here and after “Payton Credit Services LLC” and you, {CLIENT NAME} the Client printed and signed herein (also referred to as ”client” “You,” “your,” “his/hers,” “him/her,” “he/she”), an individual who has voluntarily sought out Payton Credit Services LLC who desires to utilize or services and who is willing to provide payment to the company, as set forth herein, in exchange for services rendered as outlined in this agreement. For{ any efforts to be practical, you (the client) must be truthful and diligent in giving the correct information to Payton Credit Services LLC. Payton Credit Services LLC reserves the right to cancel the agreement with any client it believes to be providing false or fraudulent information to us, its creditors, or the credit bureaus. This agreement is legally binding and effective as of the date that you sign this agreement, the client.
Credit Audit:
The client understands and agrees that they will pay for all costs and fees associated with the credit improvement program.
You agree to pay a one-time non-refundable Audit fee per person to be charged three days after signing up for our services and is due at that time. Also, you agree to provide a completed packet which will include a copy of the license and recent utility bill or bank statement, plus provide the necessary credit monitoring login from our preferred credit monitoring provider. In exchange for the nonrefundable, one-time Audit fee you will receive the following:
The client understands the credit analysis will be provided via email and it is the client’s responsibility to retrieve the link from the email you provide at the time of enrollment. The client is required to pay the monthly fee 30 days after the audit fee.
Monthly Service: Within three days after you have signed this agreement, Payton Credit Services LLC agrees to perform the following:
The client is required to pay the monthly fee 30 days after the audit fee. The cost of these services is per person per month,This agreement is month to month and cancellation should be handled according to the section labeled Cancellation policy.
Payment policy and Authorization :
Missed payment process: Missed payments will be processed on a dunning schedule. Missed payments will be collected as follows:
After the third attempt, your file will be closed and may be referred to collections.
Client Responsibilities:
Refund Policy: PAYTON CREDIT SERVICES has a zero refund policy.
Consumer Net Impression Disclosure: Credit Repair Organization's goal is to provide credit repair services to assist the client in achieving an accurate credit report. The client hereby acknowledges that the Credit Repair Organization does not guarantee any specific outcomes or results on behalf of the client but contracts to provide the specific list of services as more fully described herein. Credit Repair Organization does not charge for, nor shall Credit Repair Organization collect for any services, until such services, as detailed in the listed contracted services, are fully provided. Credit Repair Organization does not contract for services to remove accurate and/or verifiable information from the client's credit file. The client hereby acknowledges that active participation in providing the Credit Repair Organization with all requested documents, forms, and information, including investigation results, is essential to providing the credit services for the client. Credit Repair Organization does not provide tax, legal, or financial advice. If you need any legal assistance, you must contact a licensed professional.
Cancellation Policy: The term of this agreement shall be month to month. The client understands that they do not have to use these services and may cancel at any time with 10 days' written notice to support@paytoncreditservices.com or by mail at:
PAYTON CREDIT SERVICES
19266 Coastal Hwy
#4-528
Rehoboth Beach, De 19971
The client understands PAYTON CREDIT SERVICES may at any time end the contract in writing if we conclude that no further work is necessary or the client did not adhere to their client's responsibilities.
Cellular Communications: If Client provides PAYTON CREDIT SERVICES with the client’s cell phone number, Client agrees that {COMPANY NAME} may contact Client on that number using an automatic dialing system, text messaging, or prerecorded or artificial voice to discuss Client’s account, including current or possible future services, customer service, or billing. The client understands that providing the Client’s cell phone number is not required to purchase PAYTON CREDIT SERVICES services and that the client may revoke this permission at any time in writing.
Limited Liability:
PAYTON CREDIT SERVICES cannot be held liable for any lost profits, savings, or incidental, indirect, or damages stemming from your use of PAYTON CREDIT SERVICES’ service or breach of this agreement.
Arbitration Clause: Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.
Governing Law and Jurisdiction: If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of the DELAWARE state.
Acknowledgment of Receipt of Notice
I, the client, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.
*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm
The Cape Cod Fees
$249 due within 3 days of sign up
The Castle Plan Fees
$497 due within 3 days of sign up
The Cape Cod Couples Plan
$399 due within 3 days of sign up
Real Estate Agent Disclosure
The owner of this company, Shannon Payton, is an independent contractor with Exp Realty Delaware, as a licensed Delaware Realtor, Licensed # RS-0023403. The opinions expressed and materials provided are for general information only. Any communication or agreement for Credit repair is not a solicitation for services if you are already in a working relationship with a REALTOR.
Affiliate Disclosure/Disclaimer
Payton Credit Services LLC may receive compensation for services that you purchase from this page. This compensation does not cost you anything and we only promote what we believe will help you grow.
GET THE CREDIT SCORE YOU DESERVE!
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GET THE CREDIT SCORE YOU DESERVE!
Get your FREE consultation today!