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1st Rate Financial Services (1st Rate) will work to improve your credit by challenging the credit
items that you believe to be inaccurate, unverifiable, misleading or outdated. We will use federal
law to enforce your right to have all improper credit listings corrected or deleted from your credit
report. As long as you are enrolled, we will communicate with the three major credit bureaus in
order to communicate your disputes whenever we receive credit reports from you. We will follow
up with the credit bureaus to get your derogatory inaccurate, unverifiable, misleading or
obsolete items deleted from your credit report. When appropriate, we may contact your creditors
directly to encourage them to report your credit history accurately.

Deletion of your disputed credit items takes a minimum of three months and may take as long
as 12 months. In rare cases, it may take longer than 12 months. If we feel that your credit repair
process will take longer than 12 months, we will notify you in writing. Generally, however the
total charges will range between $247 and $808 for an individual, depending on the plan chosen
and the number of errors on the credit reports. You may cancel this agreement at anytime by
mailing us a completed and signed Notice of Cancellation, attached to this agreement. Since
you may cancel at anytime it is impossible for us to describe how long your agreement will last.
There is no guarantee that any item that we dispute on your behalf will be removed by the credit
bureau(s), but we will do our best to accomplish that goal. We cannot ensure that any accurate,
verifiable credit items will be permanently be removed from your credit report.

In order for us to represent you properly you agree to the following:

1. Retain 1st Rate to dispute negative items, which you believe inaccurate, misleading or
2. Sign this agreement and the Power of Attorney allowing us to perform the work on your
3. You agree to pay 1st Rate a first months charge of $249.00 which will include includes initial
client credit evaluation, identity theft protection enrollment and data entry. Your payment will be
held for 5 days prior to depositing. This will account for the initial work to set up your account.
For every month thereafter that you are enrolled, you agree to pay 1st Rate $49.00, which
includes a minimum of 1 hour of work on your credit file, initiating disputes, evaluating credit
bureau responses and responding accordingly, identity theft protection and access to your
personal credit mentor. If you and your spouse sign up at the same time, you pay $398 for both
people the first month, and $49 each for every month thereafter.

Please initial below next to the plan you have chosen.

_________ Credit Restoration Individual

_________ _________ Credit Restoration Couple

4. Obtain your credit reports from Trans Union, Experian and Equifax and forward them to
us via mail. (Mail us the originals; you will keep copies).
5. We will analyze your credit reports. You will let us know which items you wish to dispute and
on what grounds.
6. Mail us copies of all correspondence that you receive from the credit bureaus as you receive
them so that we may respond appropriately.
7. Notify us of any change of address, telephone numbers or e-mail addresses.
8. If referred by a lender (mortgage broker), you agree to have 1st Rate keep the lender who
referred you to us, up to date on the status of your case.
9. 1st Rate is located in and governed by the law of the State of Florida. Any action brought
concerning this agreement or the relationship it creates shall be brought only in Palm Beach
County, Florida. You and 1st Rate agree to submit to the personal and exclusive jurisdiction of
courts located within Palm Beach County, Florida.
10. You will notify us when you wish to cancel your agreement in writing.

If, at any time, you are not satisfied with the results of our work, let us know. We will refund
100% of your money if we do not remove or correct more than 25% of the negative line items
that appear on each of the three major credit bureaus, that we work on, within six months from
the time you sign up.

In order for the warranty to apply, you must have at least four negatives on the credit report at
the time of sign-up, and may not have used a credit repair agency nor attempted to repair your
credit in the past two years. Unpaid collections and unpaid charge-offs do not qualify for the
warranty and are not included. In order for the warranty to remain in effect, you must send
updated reports from each of the three credit bureaus to us within 5 days of receipt. You should
receive updated reports every 15-45 days. It is your responsibility to make us aware when you
have not received updated reports within this period.

Information about your credit report

You may obtain a copy of each of your three credit reports by contacting the three major credit
bureaus directly. You are entitled to receive a free copy of each of the three major credit reports
once a year at no charge. In addition, if you have been denied credit, insurance or employment
based on your credit report within the last 60 days, you may receive a copy of your credit report
at no charge from the credit bureau upon which the lender based its decision. You may also get
a free credit report if you are unemployed and plan to seek employment within the next 60 days,
you receive public welfare assistance or you have reason to believe that your credit file is
inaccurate due to fraud. Otherwise, the credit bureaus charge a nominal charge, ranging from
$14.95 for an individual report to $39.95 for all three reports. FICO scores are generally
separate, and cost between $4.95 and $7.95. Some companies provide free copies of your
credit reports if you sign up for a credit monitoring service, which costs money each month. 1st
Rate Financial Services is not affiliated with any of the three credit bureaus or any other
provider of credit reports.
You are entitled to dispute items on your credit report directly with the credit bureaus at no cost.
Items other than bankruptcy become obsolete after 7 years. Most bankruptcies will stay on your
credit report for 10 years. Credit bureaus are required by law to remove items older than this
from your credit report. Non-profit credit counseling services are available to help you manage
your debt.

By signing below you acknowledge receipt of the Consumer Credit Rights form and two
Notices of Cancellation forms.
You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after
the date of the transaction. See the attached notice of cancellation form for an
explanation of this right.

Client Name(s): _______________________________________



Spouse Signature if applicable _________________________

1st Rate Financial, LLC.

by ________________________ Date:______________________