ENROLLMENT AGREEMENT 

Your electronic acceptance of this Agreement signifies that you have read, understand, acknowledge and agree to be bound by this Agreement.

Thank you for hiring Credit Investigation Service LLC, d/b/a, My Credit Team, 3205 Sardis Rd Murrysville, Pennsylvania 15668 (“CIS”) to represent you. This Engagement Agreement and Limited Designation of Agency (“Contract”) operating in the state of Pennsylvania and constitutes the complete understanding between you and CIS (the “Representation”). 

I. SERVICES AND REPRESENTATION CIS will assist you in requesting that major credit bureaus Transunion, Equifax, and Experian, collectively the “Bureaus”) and credit report information furnishers (“Creditors”) demonstrate their compliance with various laws governing consumer credit reporting. Based upon its analysis of your credit reports and the information and instructions you provide, CIS will prepare and provide too you written communications (“Communications”) to forward to Bureaus and Creditors in your name. CIS also will provide tailored analyses of factors affecting your credit profile as well as materials which will explain methods used by credit bureaus to score your credit risk. CIS uses its judgment and discretion to determine the content, number and frequency of these Communications. This Contract is for the services listed in this paragraph only and does not include pre-litigation or litigation services. 

CIS typically performs the following services prior to your first payment: enters your personal data and one or more credit reports into its secure database; receives information and instructions from you regarding your particular circumstances and how you wish to proceed; analyzes your credit reports; and prepares and sends one or more Communications on your behalf. 

Subsequently, CIS typically performs one or more of the following ongoing and periodic services as appropriate in its judgment and discretion: receives and reviews correspondence sent by you from the Bureaus and Furnishers; receives and reviews updated Information and instructions from you regarding your circumstances, goals, and case; monitors and analyzes your credit reports; provides you with status updates regarding your case; and prepares and provides one or more additional Communications on your behalf. 

CIS cannot guarantee and you are not paying for a particular credit report outcome or result; you are paying only for CIS’ best efforts on your behalf. The Bureaus or Furnishers may not respond favorably to initial or subsequent Communications and ultimately may decide not to remove items from your consumer credit files despite CIS’ efforts. 

II. PAYMENT AND FEES CIS never charges before any services are fully performed. Fees are collected on a periodic basis, but only for services previously provided. Because fees are charged after rendering services, fees are generally not refundable but if CIS agrees to issue a refund there will be a fee assessed of 10% or $10 whichever is greater to cover merchant and transaction expenses.

Standard & VIP Programs: $120/month VIP or $99/month - Each charge by CIS covers a "Service Interval." The fee for the first Service Interval is $120 VIP or $99 standard program and will be charged on the date of enrollment. The first draft is for first work. After the initial Service Interval, you will be charged $120 VIP or $99 standard program for each subsequent Service Interval. Charges will be processed on or about the same day of each month thereafter for a maximum of 9 months. For example, if the first charge was made on the fifth of the month and you retain CIS for an additional month, the charge for the second Service Interval will be made on or about the fifth of the following month, unless you have made other arrangements with us. (The specific day may vary slightly from month to month due to weekends and (holidays.) Depending on which payment method you have selected, our monthly fees will either be charged to your credit or debit card or drafted from your bank account. Consultation fee of $79 and set up fee of $119 per person apply to all transactions. CIS may elect to honor a waiver of these fees for customers who complete their service.

Credit Report Guard Program: $29.95/month - This section applies to Clients in the Credit Report Guard Plan. Eligibility for this plan is based upon either of the following two scenarios. Scenario one: You have previously completed either a standard or VIP program (from above) for a minimum of 6 months of service. Scenario two: You have less than 3 inaccurate entries on each of the three credit bureau reports. Each month you choose or decide to remain a client, CIS will provide the following minimum service:  (a) assisting you in disputing and working to clear and/or correct your credit report of the items which you believe to be inaccurate, unverifiable or incomplete, we will dispute a minimum  of one item each 45 day increment (b) provide credit education by email and phone consultation not to exceed 15 minutes per month. Additional consulting time may be purchased at the rate of $120/hour in 15 minute block increments (c) reminders about materials or information that the Client needs to provide to CIS (d) internal review and analysis of your case file and correspondence from the credit bureau(s) properly submitted during the month (e) filing with the appropriate credit bureaus requests for verification or clarification of all disputed items properly submitted by the CIS during the month (f) the electronic updating, maintenance and storage of the Client’s case file, and/or (g) provided unlimited access to the Client to access their account information (h) provided unlimited access to update their dispute case during the month (i) At the end of each month you remain a client and CIS Credit provides the Monthly Services described herein, monthly work shall be deemed fully complete and performed for that month.

You agree to pay a late fee of $9.95 if your payment for CIS’ Representation is not honored upon first presentment by CIS to your credit or debit card company or bank. You authorize CIS to substitute additional payment methods provided by you in the event any fee or charge authorized by this Contract is not honored upon first presentment by CIS. You grant CIS permission to withdraw any fee or charge authorized by this Contract from your credit or debit card or bank account and to verify your account information. 

While the amount of work performed may vary from Service Interval to Service Interval, your monthly fee will remain the same. The monthly fee is $120 VIP or $99 standard program; co-enrollments are discounted by $19/month standard program for a total of $80/month or by $20/month VIP program for a total of $100/month. 

III. TERM AND CANCELLATION 

You may cancel this Contract at any time: (a) simply calling CIS, (b) signing and mailing CIS one of the Notices of Cancellation, or (c) sending CIS a written request. CIS honors all cancellation requests without condition or charge that are sent to CIS within the first three days of the date of this Contract. It may take up to three business days from the day CIS receives your request to process it. Cancellation requests sent after the first three business days could result in a pro-rated charge of $3.95 from the previous month to cover services rendered. Cancellation after 3 business days and before the agreed upon maximum terms of 6 or 9 months, by either client or CIS, triggers payment due of $79 consultation fee, $119 set up fee and any proration of the monthly fees! 

The length of time you may wish to engage CIS will likely depend on a variety of factors, such as: your individual credit goals, your timely participation, the complexity of your case (e.g. the type and amount of inaccurately reported credit information subject to correction), initial and subsequent positions taken by a particular Furnisher or Bureau regarding an affected credit report item, new information added to your credit profile during your Representation, changes to your initial credit goals, and other related factors. This is a month to month contract. You are advised to review your case at least each month and determine whether you wish to continue CIS’ Representation or cancel it. 

CIS reserves the right to withdraw from representing you if you breach this Contract or for any reason permitted under applicable professional rules of conduct. In the event CIS withdraws, you agree to pay CIS for the services rendered by CIS up to the date of withdrawal. CIS may have discussions with you regarding your case and in doing so may provide its opinion, in its best judgment, as to your options and possible outcomes, given the information you provide to CIS. Any expressions of opinion may not reflect the actual outcome.  

IV. CLIENT RESPONSIBILITIES AND COMMUNICATIONS 

You agree to assist CIS in answering certain security questions regarding your identity and credit history as may be necessary to obtain your credit reports. You will promptly provide CIS with copies of all correspondence you receive from the Bureaus, Furnishers, or others as the result of CIS’ efforts on your behalf. You understand and acknowledge that failure to promptly forward correspondence and updated credit reports (if necessary) may delay and negatively impact your case. 

You agree to send only copies of documents, not originals, for CIS to scan, store electronically, and shred. You agree to promptly inform CIS if your contact or payment information changes.You agree to review your case each month and determine whether you wish to cancel the Representation. Once Representation is canceled or terminated, you authorize CIS to destroy your file, excluding only those documents which are required to be retained. You agree to use the Content, as defined below, for your own personal benefit, and not for commercial purposes. You agree that your preferred method of contact is via email. 

You agree that all information you provide CIS is true to the best of your knowledge.You acknowledge that you are not paying for, nor does CIS promise or guarantee, a specific outcome or result. You understand CIS makes no representation, warranty or guarantee as to any particular credit report outcome or result. You are paying only for CIS’ Representation on your behalf. The Bureaus or Furnishers may decide not to remove items from your consumer credit files despite CIS’ efforts. You acknowledge and agree the Representation does not ensure or guarantee you will qualify to obtain any loan or that you will qualify for any extension of credit, services or a job for which you may apply. Specifically, without limitation of the foregoing, you acknowledge that CIS makes no promises or guarantees to improve your credit profile, credit report, credit scores, loan interest rates or terms or any other indication or evidence of creditworthiness. 

You acknowledge that you intentionally hired CIS, based in the state of Pennsylvania, to represent you as described in this Contract. You acknowledge that communications prepared by CIS may include your account number and social security number in order to reference your account. You understand communications sent by CIS to Furnishers and Bureaus on your behalf will be sent in your name, and will not be identified as being sent by CIS. You agree to all other terms and conditions within this Contract. 

V. CIS WILL NOT DO ANY OF THE FOLLOWING: CIS will not file your case in court or perform pre-litigation services on your behalf, except under a separate written agreement signed by both you and CIS. CIS assists you in contacting Bureaus and Furnishers to address items in your credit history or on your credit report, but CIS does not promise or provide any specific outcome with regard to your credit history or credit report. Multiple attempts to assist you in this effort may be necessary, and if ultimately CIS is unsuccessful, you may need to seek additional legal representation.  CIS will not dispute 100% accurate information within your credit report. 

VI. STAFFING CIS may ask various attorneys, office staff or others to assist in handling your case. CIS may also need to employ professionals, investigators, advisors, consultants, or others to perform work on your case. You agree any attorney may perform services in connection with your Representation, or law firm that is associated with CIS, or any such attorney’s or law firm’s paralegals, clerical staff or other assistants. There is no additional charge to you for work performed by these individuals. 

VII. GENERAL 

A. ARBITRATION. You agree to arbitrate all disputes and claims between you and CIS on an individual basis only and not as a part of any class. You agree that, by entering into this Contract, you are waiving all rights to: (a) a trial by jury; (b) participate in a class action law suit or class action arbitration; and (c) bring an action against CIS in a court of law. You may individually arbitrate any claim against CIS in Westmoreland County of PA. The rules of the American Arbitration Association (“AAA”) shall govern the arbitration and can be viewed online at www.adr.org or by calling 1-800-778-7879. 

B. SEVERABILITY. In the event that any provision or covenant of this Contract shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, then such provision will be severed and replaced with a new provision that most closely reflects the original intention of the parties, and this Contract and all of its remaining provisions shall remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. 

C. CONFLICTS IN TERMS. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the websites located at www.creditinvestigationservice.com and www.mycreditteam.com, and such other sites as CIS may choose to operate in connection with the Representation (“Websites”) or otherwise, the terms and conditions of this Contract shall control. 

D. FORCE MAJEURE. CIS shall not be liable by reason of any failure or delay in the performance of its obligations hereunder due to any reason beyond its reasonable control. 

E. COPYRIGHTS AND TRADEMARKS. You acknowledge and agree that CIS’ works of authorships, including but not limited to its registered marks, copyrighted material, any revisions, modifications and enhancements thereto, and any Trade Dress (“Content”) are the property of CIS or its licensors and suppliers and are protected by federal, state, and international copyrights laws, including the common law. Any other Content not owned by CIS that appears on the Websites is the property of its respective owner(s). All software used on the Websites is the property of CIS or its software suppliers and is also protected by federal, state, and international copyright law, including the common law. Reproduction of such Content, in whole or in part, is prohibited without prior consent. 

F. PRIVACY NOTICE. Your telephone calls may be monitored for quality assurance. CIS may use your personal information to the extent necessary for your Representation and as allowed by CIS’ privacy policy located online at http://www.mycreditteam.com/info/privacy-policy.html. You may also request a copy of CIS’ privacy policy by calling CIS. By executing this Contract, you acknowledge you have reviewed CIS’s privacy policy and agree to its terms.CIS will not sell your information to third parties. 

G. ONLINE REQUIREMENTS. If you are an Internet user, you must have an email address, a Java-compatible browser such as Internet Explorer 7.0 or higher, Firefox 3.6 or higher, or Safari 1.2 or higher and Adobe Reader 7.0 to receive services online. As an online customer, you are agreeing to receive all notifications via email at the email address on file with CIS. To ensure receipt of all notifications, you are obligated to update the email address on file when your email address changes. 

H. ENTIRE AGREEMENT. This Contract is the entire agreement between you and CIS and supersedes all other agreements, whether made verbally or in writing. VIII. LIMITED DESIGNATION OF AGENCY You agree that CIS may act as your non-exclusive agent and attorney in fact, on your behalf, for the limited purposes of: (a) requesting and receiving your consumer credit disclosures and credit reports; (b) disputing, at your direction, inaccurate or incomplete information on such disclosures and reports; (c) receiving results from such inquiries and communicating them to you; (d) investigating and/or verifying information provided to Bureaus and Furnishers; and (e) signing letters on your behalf and in your name. You authorize the Bureaus and Furnishers to provide such disclosures and reinvestigation results to CIS on your behalf, via electronic means. You further agree that you will not knowingly dispute accurate information on your credit report or disclosures. 

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DISCLOSURE STATEMENT 

Consumer Credit File Rights 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 7 years old. Bankruptcy information can be reported for 10 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, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. 

You are entitled to 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 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”.

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 Federal Notice of Cancellation 

NOTICE OF CANCELLATION 

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 5th calendar day which begins after the date the contract is signed by you. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Credit Investigation Service LLC, d/b/a My Credit Team, at 3205 Sardis Rd Murrysville, PA 15668. I hereby cancel this transaction, 

(date) 

(purchaser's signature) 

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By providing your signature, you agree to receive all documents from CIS electronically, to communicate with CIS electronically, for CIS to work on your behalf, and to the following: You have the right to receive a paper copy of the engagement agreement and Disclosure Statement and you may request a physical copy of these documents at any time by calling CIS. In order to view these documents electronically, you will need to have access to the Internet to view text-based e-mails and HTML documents. You have access to a computer with the necessary hardware and software to view these documents or to print this information. 

You may withdraw your consent to transact business with CIS by calling CIS, but if you do so, CIS will no longer be able to provide you services. You also certify that you are at least 18 years of age and acknowledge that you have read the Engagement Agreement, Disclosure Statements, and Right of Cancellation, and Notice of Cancellation. Required Notice Under Federal Law: 

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right CIS provides you five calendar days from the date of this Contract to cancel without penalty or obligation. 

(name) 

(Your Signature)

(Date)