UltimateCRS Customer Contract
Welcome to the UltimateCRS – the credit repair company with the best results available! We look forward to improving your credit picture as quickly as possible. To get started, you will need to read and follow the instructions below. Please read the entire welcome packet as it contains important information about your account!
Please sign or print and mail the following items to our office
❑ Page 2 – Interviewer (List of accurate derogatory tradelines)
❑ Page 3 – Consumer Credit File Rights (Sign the attached document and return)
❑ Page 8 – Contract and Authorization for Payment (Sign the attached document and return)
❑ Page 9 – Application (Fill out the attached document and return)
❑ Two Proofs of Current Mailing Address (This can be your Driver’s License, if it has your current mailing
address on it and an electric bill, for example)
❑ Proof of SSN (Typically SSN card or W2. Anything with your full name and full SSN on it)
❑ Credit Reports (If you have not already provided this to us. If you do not have a copy you can get one at
www.CreditCheckTotal.com for a fee)
❑ Voided Check (If paying by ACH or Check)
Online Account (24/7 online access)
As part of your Setup & Analysis, we have set up an online account for you to track your progress and receive email notifications. If you have any trouble logging in, please call the office at the number listed above.
A. You will be able to monitor the correction and deletion of negative inaccurate unverifiable and incomplete information from your credit reports. The online portal allows you to instantly access the current status of your account. Within your online portal each account will be listed with details of what is happening and when it is removed or updated. You will be able to check this at any time after you have sent the office the first set of updated credit reports you received from the credit bureaus.
B. Questions about your account, including billing, can also be answered once you are logged in. Simply enter in a note from your portal and we will respond to you ASAP or feel free to contact us directly at 480-400-9860.
C. As each step in the credit repair process is completed we will e-mail you a status update letting you know that a step was completed and what and when to expect updated reports
Again, please take a few minutes and supply us with all the documents we need to begin processing. If you have any questions, please don’t hesitate to ask!
Please list any derogatory tradelines you do not want us to investigate, dispute, and/or validate.
Please Select An (1) Option Below For Our Tradeline Agreement.
Welcome to our Credit Restoration Service! There are a few things that we would like you to know.
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
If we do not already have your credit reports; you will either need to order them, and send them to our office as soon as you receive them, or if you already have them, please forward them to us. We cannot start working on repairing your credit until after we receive your credit reports from you. You can order your reports form this link if you need to: www.CreditCheckTotal.com
If we do not already have your current mailing address verification; we will need two proofs of current mailing address from each client. This can be your Driver’s License, if it has your current mailing address on it and an electric bill, for example. If you do not have your Social Security Card please include some document or statement with your number pre-printed on it. Make sure your documents do not have an old address on them. Each item must have your correct name and current mailing address pre-printed on it.
Recommended Items and Things To Do:
– A folder or large envelope, a calendar, and a pen or highlighter pen.
– Mark on your calendar the date you sent us your credit reports and address verification. Go forward in your calendar 45 days, mark that day as the day to receive updated reports. If you do not receive any notification within this time period, it is your responsibility to let us know so we can take appropriate action. Call us and we can discuss your account with you. Based on our conversation, we’ll decide whether to wait another week for responses or send demands at that point. Not doing this will jeopardize the guarantee of this program. For example, if we send out letters on your behalf, then we don’t hear from you for 3 months, your account would have no activity for 3 months. Since the credit bureaus are going to respond to you directly, this process is a two way street and it is vital that you and us work together every step of the way.
Here is a brief overview of what to expect over the next several months: about two to three weeks after we receive your credit files, you will receive a “thank you” letter from each Credit Reporting Agencies (CRA); don’t worry if you don’t get one from each of them, not everyone does. Sometimes they also send “Anti-Credit Repair” letters, please do not worry about these letters. Remember they do not want you to repair your credit, it is going to cost them time and money and then they will ultimately lose money! We do, however, need you to keep of all the letters you receive from the three CRAs referring to when updated reports would arrive, and we may need these items at a later date. If you get any kind of letter from them and you want to call the office or fax it to us that will be fine. If they ask you to call or mail them anything, do not do it! It is their responsibility to verify the information; you do not have to provide them with anything, except address verification. If they request additional address verification or a copy of your SS Card, please forward it to them as quickly as possible.
After an additional 30-45 days from the receipt of those letters e-mail or call the office so that we can take appropriate action. Remember, send anything you receive from the bureaus within 5 days of receipt regardless if you have credit monitoring or not. Some responses require an immediate response. If you hold on to reports too long, we cannot send the appropriate response back to the bureau. If you want copies, please feel free to make copies for yourself and mail us the originals to the following address:
UltimateCRS Att: Damien Rufus6751 N. Sunset Blvd. #320 Glendale, Arizona 85305
We will review them and proceed to the next step if necessary. Please do not fax updated reports to the office! They will not make it in and will be unusable. Also, you should try not applying for any credit until this process is finished as a) you might not get the best rate and waiting would be more beneficial or b) going on an “application” spree will lower your credit score and defeat the purpose of us trying to raise it.
Once you receive all responses and they are sent into the office, we will cross reference each response with each other and formulate what our next step will be. We will schedule your next step, and once it is sent off you will wait 45 days again for the bureaus to respond. This process will repeat itself.
You must keep paying all the bills you are currently paying on in a timely manner! Do not start paying old collection accounts; paying off old collections will renew your date of last activity and lower your score; contact us if you receive anything on an old debt. If you are currently making payment to a collections agency, please notify us.
Thank you,The Staff of UltimateCRS
General Terms and Conditions (Please Check Off Each Line):
We are required by CROA to include 2 Notice of Cancellation forms for your convenience. You do not have to send these back in when completing your contract, however, you do have to send them in when you are ready to cancel your service. Please print these out and keep for your records.
NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within 3 days from the date the contract is signed.
If you cancel any payment made by you under this contract, ULTIMATECRS Consumer Division will return it within 10 days following receipt 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:
UltimateCRS Att: Damien Rufus 6751 N. Sunset Blvd. #320 Glendale, Arizona 85305
Not later than midnight on the 3rd day of this contract:
I hereby cancel my service effective: ____________(date).
Print Client’s Name Social Security Number
Reason for Cancellation
I understand if I am using this letter past the initial 3 days for a regular cancellation, depending on my billing cycle there may be a charge to my account for the work done the previous month in accordance with Federal Law. I understand that ULTIMATECRS charges after work is done and I am obligated to pay for the previous month’s work, even though I am canceling before the due date. I authorize ULTIMATECRS Consumer Division to charge my account any applicable remaining fees immediately upon the receipt of this Notice of Cancellation.
UltimateCRSAtt: Damien Rufus6751 N. Sunset Blvd. #320Glendale, Arizona 85305
ULTIMATECRS CONSUMER DIVISION QUICK SUMMARY
At ULTIMATECRS Consumer Division, we know that you get busy and may have not read the welcome packet in its entirety, even though you may have signed that you did. So, just in case, in an effort to make it even easier for you, we have a list of highlights and mandatory requirements for you.
To Begin the Process:
➢ All Pages of this welcome packet completely filled out and signed or emailed in
➢ Two proofs of your current mailing address.
➢ One proof of Social Security Number (copy of SSN card, W2, etc)
➢ Copies of your credit reports, you can get them at www.CreditCheckTotal.com
During the Process:
➢ For client support, call 480-400-9860.
➢ Please do not dial direct extensions or direct emails of any employee at ULTIMATECRS. You are at the mercy of that one person to contact you back. Please use the helpdesk or customer support to ensure satisfaction.
➢ Please do not contact your sales person for information on your account as they do not have access.
➢ Each time you get a notification via email, or see in your Credit Repair Process in your online portal, that a letter has been drafted to a credit bureau, mark on your calendar 45 days from that date to contact us with any results that you may or may not have received. It is your responsibility to keep up with your account. If we contact you for results, that means your account is already overdue.
➢ If something is wrong with your method of payment, please contact us immediately. Please do not let your account get suspended due to payment problems, I.E. Insufficient Funds, Closed Checking Account, etc.
➢ We encourage you to keep copies for your records, however it is not mandatory. If you would like to make copies, please keep the copies for your records and mail us the originals.
Please mail results to the address below, scan and add them via your online portal or scan and email them to: firstname.lastname@example.org
BY SIGNING BELOW, YOU ARE AGREEING TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS CONTRACT.
Leave this empty:
If you have questions about the contents of this document, you can email the document owner.
Document Name: UltimateCRS Customer Contract
Agree & Sign