CREDIT RX AMERICA LLC SERVICE AGREEMENT
You (the "Client" or “you”) have contracted Credit RX America LLC., a Wyoming Limited
Liability Corporation Headquartered in Wyoming, et al ("CRA, “us,” or “we”) and CRA has
agreed to take action, as specified herein, and as deemed appropriate, to achieve this goal. And
will provide services pursuant to the terms herein.
This (“Agreement”) is dated and effective upon the date that the Client accepts the terms herein
via electronic signature as recorded electronically by CRA. The term of this agreement is 6
months from the agreement date, and will automatically renew without a written notice from
client canceling automatic renewal prior to the date of the original 6 month term expiration
(Under Missouri law Statute RSMo 407.642.1(3) the maximum term of an agreement is one
hundred eighty days, therefore in order to continue services for Missouri clients Missouri
clients will have to re-sign our contract after 180 days).
CRA does not charge you in advance for any work performed.
1. CRA's Scope of Services and Costs:
CRA's services include assisting you in disputing inaccuracies, misstatements or unverifiable
information and other incorrect information reported on your credit reports. CRA does not
charge in advance for any credit repair services. CRA, will not remove any derogatory
information (defined as accurate information appearing on a Client’s credit report). Nor will
Company assist Client on improving Client’s credit rating or record.
Pursuant to the terms of this Service Agreement, CRA shall provide the following services:
IMPORTANT – All prices are per item and per bureau. A removal of ANY item from ANY
bureau counts as ONE (1) removal. The deletion of an account from all three credit
bureaus counts as THREE (3) deletions.
Pay for Results Plan:
Fee of $99.00 per (Standard) item updated or deleted from each credit (bureau) file (or $89.00 if
you sign up with your spouse). Standard items include: Inaccurate Collections, Charge-offs,
Repossessions, Medical Bills, Late Pays, Foreclosures, Bankruptcies, and Judgments. To receive
this discount, you must remain current on your payments with us. If you do not pay your invoice
upon receipt of the invoice you will lose your discount on the late invoice and on all future
Optional Credit Essentials:
Optional Disputing Credit Inquiries on your Credit Report: Fee of $50 for each Inquiry from
each credit reporting agency. Payment due to CRA upon the correction/removal of each inquiry.
Optional Identity Protection-Credit Freeze: Fee of $50 for each Identity and each credit reporting
agency. Payment due to CRA upon CRA preparation and mailing the request for credit freeze(s)
Discounts that may be applied: 1) Active military service personnel discount in the amount of
10% (with presentation of valid active duty military ID) off all billed services listed above. To
receive the spouse discount, you must remain current on your payments with us. If you do not
pay your invoice upon receipt of the invoice you will lose your discount on the late invoice and
on all future invoices. If you, the Client, seek additional services not contained in the Program
you selected, a separate agreement may be required.
2. Outcome Guarantee and Estimated Length of Time
As the particular issues involved in each individual case vary from case to case,
we cannot guarantee a specific outcome or accurately predict how long it will take.
Completion time can be reduced or extended based upon the promptness of the client to forward necessary
information and upon the number and circumstances of the issues being disputed on the
individual's credit report.
3. Cost for Services
The total amount charged to you will depend on how many items on your credit report(s) you
choose to have us correct or have investigated.
CRA charges you only after an item is deleted/corrected.
Based upon what you have told us about your credit situation it is estimated
that the total charge for your services can be calculated by using the following chart:
# of items chosen by you to delete
X $99.00 (or $89.00 with spouse discount applied)
= An estimate of Total Cost
Please understand that this is an estimate only and based on the types of services CRA will
provide to you, CRA is unable to give you a fixed amount that you will pay CRA upon the
conclusion of CRA’s services.
This payment covers all of the work fully and completely rendered as described in Paragraph 1,
CRA's Scope of Services, section titled "pay for results" and "Optional credit essentials" are due
at the completion of each deletion/correction or Optional service completed.
4. Terms for Payment
You grant CRA permission to authorize and capture fees as they become due unless you
terminate this Agreement within 5 days. You may be charged a $25 fee if your payment to CRA
for the services it has rendered to you is not honored. Additionally, you grant CRA permission to
authorize and capture any past due fees after termination of the Agreement. You agree to pay
CRA for all services performed consistent with this Agreement in a timely manner. All
payments are due upon receipt of invoice following each deletion. All payments shall be made
by debit card, credit card or other means agreeable to CRA consistent with the terms of this
Agreement. In the event of late payment of default, you authorize CRA to use all lawful
collection methods, including calling through the use of an automated dialer system and sending
account to third party collections. You are responsible for attorney’s fees and costs incurred by
CRA in all collections activities.
5. Cancellation Policy
You may cancel this Agreement at any time with 60 day notice, for any reason or no reason, by
providing notification to CRA. You will owe fees for items successfully removed through the
end of the cancellation period. To cancel this Agreement, you may mail or deliver a signed,
dated notice stating your desire to cancel this Agreement, including your name, or any other
written notice, to CRA at 1910 Thomes Ave. Cheyenne WY 82001. In the alternative, you can
cancel this contract by sending an email stating your name, address, phone number, birthdate,
and desire to cancel this transaction to email@example.com You can also complete the
Cancellation Notice at the end of this agreement and return it via mail, email.
CRA has the right to discontinue services and/or terminate this Agreement without prior notice if
the Client defaults under this Agreement.
6. Refund Policy
See the attached notice of cancellation form for an explanation of this right. To request a refund,
simply mail a refund request, or email a refund request to firstname.lastname@example.org or call us.
7. Electronic Signature/Limited Power of Attorney
To provide our services for you pursuant to the Program you have selected, we require your
permission to draft, sign, and send letters to creditors and the credit bureaus on your behalf
and/or electronically process disputes on your behalf specifically addressing the items on your
credit report that you identify as inaccurate, misleading or unverifiable. By granting CRA a
Limited Power of Attorney, you give CRA authority and permission to write and send letters to
creditors and credit bureaus on your behalf and process disputes electronically, as applicable.
By checking the box on our application form that states: "I UNDERSTAND BY CHECKING
THIS BOX AND PROVIDING MY SOCIAL SECURITY NUMBER, I CERTIFY THAT I AM
AT LEAST 18 YEARS OF AGE, ACKNOWLEDGE THAT I HAVE RECEIVED AND READ
THE LEGAL DISCLOSURES, FEDERAL DISCLOSURE, STATE DISCLOSURE, AND
SERVICES AGREEMENT, AND GIVE MY ELECTRONIC SIGNATURE AND LIMITED
POWER OF ATTORNEY FOR CREDIT RX AMERICA, ETAL TO PERFORM WORK ON
MY BEHALF" you are representing and agreeing that you accept all terms and conditions as if
you had physically provided your signature.
LIMITED POWER OF ATTORNEY
This is a Limited Power of Attorney providing CRA with the permission to represent you in
accordance with this Agreement. Your Limited Power of Attorney authorizes and directs CRA to
act as your disclosed or undisclosed agent when performing the services you have retained CRA
to provide. For the duration of this Limited Power of Attorney we may write, sign, and send
letters to the credit bureaus, and collectors, as deemed appropriate, in your name and on your
You may cancel your electronic authorization and your Limited Power of Attorney at anytime by
sending CRA an e-mail stating that you retract your electronic authorization. Without this
electronic authorization and Limited Power of Attorney, CRA is unable to represent you, and
canceling it will terminate this Agreement.
8. Client Obligations and Acknowledgements
a) You agree to assist CRA in obtaining tri-merge (three bureau) credit reports by obtaining and
maintaining at your cost a “credit monitoring system” which provides 3 bureau credit reports
with refreshed and updated credit reports no later than every 30 days through a provider that is
acceptable to CRA and provide CRA access to that account through the entire credit repair
process. You also will provide a copy of your driver’s license, social security card, and a recent
Utility bill showing the correct address and the personal identification needed for our process and
the credit bureaus.
b) You agree to cooperate with CRA in the review of your credit history and the identification of
inaccurate or questionable items on your credit report.
c) You agree to pay CRA a fee of $99.00 per item updated or deleted from your credit file (or
$89.00 if you sign up with your spouse).
d) If option is taken: You agree to pay CRA a fee for Identity Protection-Credit Freeze: Fee of
$50 for each Identity and each credit reporting agency. Payment due to CRA upon CRA
preparation and mailing the request for credit freeze(s) to CRA(s).
e) Option no longer available.
f) Option no longer available.
g) If option is taken: You agree to pay CRA a fee for Disputing Credit Inquiries on your Credit
Report: Fee of $50 for each Inquiry and each credit reporting agency. Payment due to CRA upon
the correction/removal of each inquiry.
h) You agree to grant CRA permission to withdraw the specified fees from your credit card or
i) IMPORTANT: You agree to provide CRA with legible copies of all correspondence you
receive from the creditors and credit bureaus promptly, within 7 days of their receipt.
j) You agree to promptly notify CRA of any change of your name, address and/or maritalstatus.
k) You understand that CRA is expending labor, materials and funds in order to work on your
credit file and that CRA is relying on your prompt furnishing of ALL correspondence received
by you from either the creditors or credit bureaus, promptly upon being received by you and
within 7 days. You further understand and agree that failure to provide legible copies of all
correspondence you receive from the creditors and credit bureaus damages CRA and that CRA
will use available credit information to establish what items have been corrected or removed
from your credit file and will charge you for those items, and you agree to pay for those items,
the fees agreed upon by Client and CRA.
l) Client understands that it is their right to execute similar disputes on their own behalf, but has
willfully elected to allow CRA to perform the services for the fees agreed upon by Client and
m) For the duration of the contract CRA will systematically prepare and mail dispute letters as
needed to the credit bureaus, collection agencies and creditors. We will also send debt validation
letters to collectors upon request (at additional cost), subject to you providing us with collection
letters within thirty days of the date you receive them from the collector. All letters are sent on
your behalf and in your name.
n) Non-Disparagement. During the term and thereafter, Client agrees to take no action which is
intended, or would reasonably be expected, to harm CRA or its or their reputation or which
would reasonably be expected to lead to unwanted or unfavorable publicity to CRA.
o) The Client understands that all information provided to CRA must be true and accurate to the
best of the Client's knowledge. Client agrees to provide CRA with any and all information, in a
timely manner, needed to facilitate the services to be provided to the Client. The Client
authorizes CRA, its employees and agents to prepare all necessary correspondence, either written
or electronic, relating to CRA's services and to submit to CRA any additional information legally
required or necessary to support those services. The Client agrees to forward immediately to
CRA all correspondence from the credit bureaus, creditors or others relating to services provided
by CRA. The Client agrees to print or save a copy of this Agreement to retain with your personal
records. Client agrees to make copies of any documents provided to CRA to retain with your
personal records. CRA may not return documents forwarded by you. Client understands that
CRA is not a law firm and does not offer legal advice. Should you need legal advice CRA
instructs you to consult with an attorney licensed to practice law in the state you reside.
9. How we’ll resolve disputes between us
In the event of any disagreement, claim or dispute between the parties arising out of or relating to
this agreement or the breach, termination, enforcement, interpretation, consionability or validity
thereof, including any determination of the scope or applicability of this agreement to arbitrate,
we’ll try to resolve it by talking with each other. If we can’t resolve it that way, WE BOTH
AGREE, TO THE FULLEST EXTENT PERMITTED BY LAW, TO USE ARBITRATION,
NOT LAWSUITS (except for small claims court cases for so long as the matter is in regards to
your failure to pay us for our services and remains an individual claim and remains in small
claims court) And shall be determined by arbitration in Laramie County, Wyoming or in the
county in which the consumer resides, in accordance with the Laws of the State of Wyoming for
agreements to be made in and to be performed in Wyoming. The parties agree that the arbitration
shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and
procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and
independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator
shall be final and shall not be subject to vacation or modification. Judgment on the award made
by the arbitrator may be entered in any court having jurisdiction over the parties. If either party
fails to comply with the arbitrator's award, the injured party may petition the circuit court for
enforcement. The parties agree that either party may bring claims against the other only in
his/her or its individual capacity and not as a plaintiff or class member in any purported class or
representative proceeding. Further, the parties agree that the arbitrator may not consolidate
proceedings of more than one person's claims, and may not otherwise preside over any form of
representative or class proceeding. The parties shall share the cost (not attorney’s fees) of
arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully
challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is
entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or
defend or enforce the award. Binding Arbitration means that both parties give up the right to a
trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s
ruling except for a narrow range of issues that can or may be appealed. It also means that
discovery may be severely limited by the arbitrator. This section and the arbitration requirement
shall survive any termination.
10. Applicable Law and Jurisdiction
This Agreement is made in Laramie County, State of Wyoming, United States of America. This
Agreement shall be governed by and construed in accordance with the laws of the state of
Wyoming, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any
action or proceeding arising out of or related to this Agreement, including application and/or
interpretation of the arbitration provision, or CRA's services shall be an appropriate state of
federal court located in Laramie County in the state of Wyoming.
For Missouri clients: This Agreement is made in the clients City, County and State of Missouri
of residence. This Agreement shall be governed by and construed in accordance with the laws
of the state of Missouri, without regard to conflicts of laws provisions. Sole and exclusive
jurisdiction for any action or proceeding arising out of or related to this Agreement, including
application and/or interpretation of the arbitration provision, or CRA's services shall be an
appropriate state or federal court located in Missouri.
11. Joinder and Class Action
No dispute concerning this Agreement or CRA’s services to be resolved by binding arbitration or
by any court may be joined with another lawsuit or other proceeding involving a dispute or any
other person or entity, or resolved on a class-wide basis.
12. Prevailing Party
If any litigation or other proceeding is brought by either party in connection with this Agreement
or CRA’s services, the prevailing party in the litigation or other proceeding is not entitled to
recover from the other party all costs, attorneys' fees and other expenses incurred by the
prevailing party in the litigation, as determined by the court.
In the event that any part of or all of any one or more of the provisions contained in this
Agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect by a
court of competent jurisdiction, including binding arbitration, such invalidity, illegality or
unenforceability shall not affect any other part of or all of any provision hereof, and this
Agreement shall be construed as if such invalid, illegal or unenforceable part or all of the
provision or provisions had never been contained herein.
14. Entire Agreement
This Agreement represents the entire agreement of the parties hereto with respect to the subject
matter hereof, and supersedes any and all prior agreements with respect thereto. This Agreement
shall not be amended or modified, except in writing signed by each of the parties hereto.
15. Contacting CRA
Our principal business address is as follows:
Credit RX America LLC
1910 Thomes Ave.
Cheyenne WY 82001
16. Transacting Business Electronically and Consent to be Contacted
Client agrees, unless specifically requested otherwise, that by entering into transactions with
Company, Client affirms consent to receive, in an electronic format, all information, copies of
agreements and correspondence from Company and to also send information in an electronic
format unless previously agreed upon in writing with Company. Client consents and agrees that
Company may provide all disclosures, periodic statements, notices, receipts, modifications,
amendments, and all other evidence of transactions electronically. All electronic
communications will be deemed to be valid and authentic, and Client intends and agrees that
those electronic communications will be given the same legal affect as written and signed paper
communications. Client has a right to receive a paper copy of any of these electronic records if
applicable law specifically requires us to provide such documentation. Client’s consent may be
withdrawn at anytime upon Company’s receipt of such withdrawal. However Client’s
withdrawal of Client’s consent to conduct business electronically can only occur if applicable
law specifically requires Company to provide a paper copy of electronic documents. Withdrawal
of consent will slow the speed at which Company can complete certain steps in transactions with
Client and delivering services to Client. To inform us that Client either withdraws Client’s
consent to receive future notices and disclosures in electronic format, would like to receive paper
copies, or to update your information Client may send to: Credit RX America LLC, of 1910
Thomes Ave, Cheyenne WY 82001. Client acknowledges and agrees that the internet is
considered inherently insecure. Therefore, Client agrees that Company has no liability to Client
whatsoever for any loss, claim, or damages arising or in any way related to Company’sresponses
to any electronic communication, upon which Company has in good faith relied. At all times,
Client maintains the sole obligation to ensure they can receive Company’s electronic
communications, and access them on a regular and diligent basis.
Client also agrees to be contacted by telephone on Client’s landline and/or cell phone by
Company irrespective of whether the Client’s telephone number appears on any state of federal
“Do Not Call” lists. Client further agrees that Company may use a computerized dialing system
to contact Client via telephone or SMS text and Client may use a pre-recorded message when
contacting Client via telephone or SMS text. Client understands that his or her consent to be
contacted does not require Client to purchase any goods or services from Company. To inform
Company that Client either withdraws Client’s consent to receive communications from
Company as described directly above, or to update Client’s information, Client may send such
request to: Credit RX America LLC, of 1910 Thomes Ave, Cheyenne WY 82001.
17. Authorization to Obtain Credit Report:
Client authorizes Credit Rx America LLC to obtain Client’s credit report and/or score from
TransUnion, Equifax, and Experian.
18. Non-Profit Credit Counseling Services Notification
Consumers should be aware that non-profit credit counseling services are available which
provide a range of financial and money management services. Additional information is
available at the Federal Trade Commission website.
19. Electronic Signature/Acceptance of Agreement
The Client agrees that his or her digital signature is equivalent to a handwritten signature as
provided in The Federal ESign Act. By checking the box that you, the Client, have read and
agree to the terms of this Agreement, you are submitting your acceptance to the terms herein
electronically as if you had physically signed the Agreement
You, the buyer, may cancel this contract without penalty or obligation at any time before
midnight of the 5th day after the date on which you signed the contract. Company will not
perform any credit repair services on behalf of the Client before the end of the
fifth business day period beginning on the date the contract is signed. See the
attached notice of cancellation form for an explanation of this right.
COMMONWELATH OF VIRGINIA CLIENTS ONLY
Credit Rx America LLC has obtained a bond from: Hudson Insurance Company 1035 Greenwood
Blvd Suite 265 Lake Mary FL 32746
The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the
benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of
Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section
59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx
America LLC with the Department of Agriculture and Consumer Services. The surety may be liable
only for actual damages and not for punitive damages. The aggregate liability of the surety to all
persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth
of Virginia Statutes may not exceed the amount of the bond.
To give notice within the State of Virginia our registered agent address is:
Credit RX America LLC
4445 Corporation Ln.
Virginia Beach, VA 23462
Separate Notice of Cancellation Form
(Pursuant to Federal and State Statutes):
NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within 5 days from the date the contract is signed.
If you cancel any payment made by you under this contract, it will be returned within 10 days following receipt by the credit service organization of your cancellation notice.
To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to:
Credit RX America LLC.
1910 Thomes Ave
Cheyenne WY 82001
I hereby cancel this transaction effective
You may send this notification by email to