Terms and Conditions

1. This is an agreement between and the undersigned "client" is for the purpose of credit analysis/audit, investigation services and improvement services. Our services include preparing correspondence letters to credit bureaus to request removal of incomplete, outdated, unverifiable, misrepresented erroneous information stated by the client that appears on "client" furnished credit reports.

2. You the "client" agree this is a seven month agreement that may be cancelled at any time with no obligation other than paying for the case work already performed. The "client" 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 this contract.

3. You the "client" Authorize Inc. to collect a continuous monthly fee of $79.00 per month, for the work performed during the previous month in accordance with state and federal law. The "client" understands monthly services include continuing audit/analysis and investigation of up to 3 major bureaus, creating documents for the purpose of credit report improvement and correction.

4. You agree to provide Inc. any changes to your contact information, including mailing address, email address or method of payment within 7 days of any changes.

5. For you the "client" to qualify for a refund, you must be a client of Inc. for 7 months or more. As a client you must forward all updated credit reports & correspondence within a timely manner "within 10 days of receiving reports" to give F.C.S. a chance to dispute these accounts. Our refund policy is as follows, at your written request along with 3 current credit reports we will calculate how many deletions and/or improvements we have made to your credit files since the start date. A value of $95.00 per item ‘deleted or improved’ will be subtracted from the amount of money you paid. An initial purchase or signup fee is non refundable after the 3rd day of contract

6. You the "client" agree to forward Inc. copies of your credit reports from the three major bureaus (Trans-union, Experian and Equifax) upon signing this agreement. You also agree to forward all correspondence received from the credit bureaus to Inc. within 10 days of receiving such documents. These items are required for our company to provide our clients effective services.

7. You the "client" are obtaining Inc. to work to improve your credit score and credit standing, by requesting credit bureaus to remove items you believe to be frivolous, inaccurate or fraudulent.

8. Client agrees to pay a thirty dollar fee for any check returned for non-sufficient funds, accounts closed or any other reason and authorizes electronic conversion, demand draft & processing of returned checks. Client agrees to pay thirty dollar late fee if payment is not received by due date. Client agrees to authorize monthly demand draft and or auto debit of payment and any late fee’s incurred with any checking account used for payment, if not paid within 5 days of due date. Due dates are 30 days from purchase date of this agreement.

9. You the "client" agree that while in many cases dramatic results are seen within 60-90 days of Inc. receiving your credit reports, it is impossible to predict the time required to achieve results in any specific case. It is also impossible to predict or guarantee the specific outcome or success of any situation and that no such predictions or guarantees are being proffered. Under no circumstances shall the company, its agents nor owners be liable for any consequential damages. Damages shall never exceed the amount the client paid Inc. Any Claim shall be arbitrated initiated by written demand within one year from the event, Filed in Northeast Florida in Duval County regardless of the state in which this account was purchased

10. By executing this Contract, "client" grants Inc., a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the "client" provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of "Client's" credit reports, "Client's" credit history or other creditor information for the "Services"; 2) sign correspondence to the record holders; 3) use "Client's" name to sign correspondence addressed to creditors, collections agencies, public record holders, and credit reporting agencies; 4) obtain credit information over the telephone, fax, and or through the internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. Inc. acknowledges that its authorized representatives have been alerted to the sensitivity of the customer’s information being reviewed. The "client" shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written or verbal notice to Inc. Otherwise; the limited power of attorney shall terminate upon termination of this membership by the "client". All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of the state of Florida, Duval County. The "client" agrees that "Client's" limited power of attorney is valid throughout the United States for all Customer Information to be obtained by Inc. pursuant to this Contract, by the binding and enforceable signatures set forth below.

11. This agreement will remain in effect for seven months. Our monthly fee of $79.00 will be charged on a continuous monthly basis until canceled or services have completed the seven monthly cycles. An initial purchase will be billed or placed on hold upon completion of this agreement.

12. I the client have read and agree to the terms of : Terms and Agreements, Demand Draft of checking account, Notice of Cancellation, Limited Power of Attorney and have received Rights under State and Federal Law & Notice of Cancellation form.

4651 Salisbury Rd. Suite 437
Jacksonville, FL 32256
Toll Free (800) 264-2480
Phone: (904) 352-1802
Fax: (904) 253-7897
E-mail: floridacreditservices@gmail.com

For a reasonable fee, you may order a copy of your credit report from a credit bureau. If within the past 60 days, you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report there is no charge for your credit report from the credit bureau used. There is also no charge 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. Once you have your report(s), you have a right to dispute inaccurate information in them by contacting the credit bureau directly.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes frequently 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.

Neither you nor any credit repair company or 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 the 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.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

You may Cancel this contract without any penalty or obligation, at any time before midnight of the 3rd

business day which begins after the date the contract is signed by you. Additionally, you may cancel this

agreement at any time provided you acknowledge that by prematurely canceling your seven month agreement

you release F.CS. from any obligation related to the warranties expressed in the contract including

To cancel the contract, mail or deliver a signed copy of this cancellation notice, or any other written notice to