CREDIT REPAIR SERVICE AGREEMENT between Diamond Biz Consulting LLC (hereinafter referred to as COMPANY) and the aforementioned client (hereinafter referred to as CLIENT).

SECTION 405. DISCLOSURES

Consumer Credit File Rights Under State and Federal Law: You have the right to dispute inaccurate information on your credit report by directly contacting the credit bureau. 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 more than 7 years old. Bankruptcy information can be reported for 10 years. You have the right to obtain a copy of your credit report from a credit agency; a reasonable fee may be charged. However, no fee is applied if you have been denied credit, employment, insurance, receive a free copy of your credit report if you are unemployed and intend to apply for employment within the next 60 days, are a recipient of public welfare assistance, or have reason to believe there is inaccurate information in your credit report due to fraud. You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act, which 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 agencies must follow reasonable procedures to ensure that the information they report is accurate. However, errors may occur.You may, on your own, notify a credit agency in writing disputing the accuracy of the information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau cannot charge any fee for this service. Any relevant information and copies of all documents related to an error must be provided to the credit reporting agency. If the credit reporting agency’s re-investigation does not resolve the dispute to your satisfaction, you may submit a brief statement to the credit reporting agency to be kept in your file, explaining why you believe the record is inaccurate. The credit bureau must include a summary of your statement about the disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact:

Public Reference Branch Federal Trade Commission Washington, D.C. 20580.

General Terms and Conditions

A. This Credit Repair Service Agreement is between the COMPANY and the aforementioned CLIENT (“Client”) and aims to purchase credit report repair and improvement services (“Services”). The Services will include preparing correspondence to credit agencies to request the removal of errors, misrepresentations, or unverifiable information that the Client claims appears on the credit reports provided to the COMPANY. This is not a debt consolidation or bill payment program. Federal law requires credit agencies to remove any unverifiable, outdated, or erroneous information from consumer credit reports. The COMPANY agrees to make its best efforts to provide the Services and will perform them in accordance with federal and state laws.

B. Fees: The CLIENT understands and agrees to be responsible for and pay the fees associated with the Services as listed below:

Credit Audit/Enrollment: As agreed upon with the sales advisor. 

Monthly Payment: As agreed upon with the sales advisor. 

Money-Back Guarantee: Refer below to the Diamond Business Consulting refund policy.

 All clients are entitled to a 100% refund of all fees paid to Diamond Business Consulting if:

Inquiries or trade lines are not removed from the credit report within 180 days. The client has made all monthly payments on time. The company has had uninterrupted access to the client’s credit tracking account. Clients can request a refund in writing by sending an email to info@diamondbizconsulting.com.

C. Non-payment: The CLIENT agrees not to close the bank account, debit card, or credit card from which the COMPANY is authorized to withdraw payments. In the event the CLIENT needs to change the authorized bank account, debit card, or credit card, they must immediately notify the COMPANY and complete a new Electronic Payment Authorization, as any interruption in fee payment will require the COMPANY to discontinue their service contract. Actions taken by credit card companies, collection agencies, and/or law firms against the Client will not be the responsibility of the COMPANY in the event of payment default.

D. Credit Application: The Client shall not apply for any form of credit until they have completed the process, and their default will nullify any and all guarantees. If the Client fails to comply with our explicit request and applies for any credit and is denied, we cannot be held responsible for additional negative comments and the direct impact this could have on their credit score.

E. Client Responsibility: The Client agrees to mail all credit reports and/or correspondence received from credit agencies, creditors, and/or collection agencies to the COMPANY within five (5) days from the date of receipt to ensure the success of this program. If the Client has not received any credit report or correspondence from credit agencies within 60 days from the date of the Initial Credit Report Analysis/Audit, the Client must notify the COMPANY so that appropriate action can be taken. Failure to do so may result in the termination of the account with us, and any warranty will be void if applicable.

F. Credit Monitoring: The Client agrees to be enrolled in a credit monitoring service for the duration of their program in order to fully track all results obtained throughout the program. If the credit monitoring service is interrupted, the Company may choose to halt services until the credit monitoring is fully active again. The Client agrees to provide the COMPANY with login information for the credit monitoring service and grants permission to the COMPANY to access the monitoring service at any time during the Client’s program.

G. By entering into this Contract to obtain the COMPANY’s Services, the Client grants the COMPANY a limited power of attorney during the term of this Contract, by and through its authorized representatives, to: 1) use the Client’s Information provided to obtain from credit agencies, creditors, collection agencies, and other holders of the Client’s credit report records, the Client’s credit history or other information from creditors for the Services; 2) sign correspondence to record holders; 3) use the Client’s name to sign correspondence addressed to creditors; 4) obtain credit information by phone, fax, or internet from record holders; 5) discuss information with any record holder to help resolve a debt if debt mediation is necessary. The COMPANY acknowledges that its Authorized Representatives have been alerted about the confidentiality of the Client’s Information. As such, the COMPANY will make every effort to ensure that the client’s information is handled responsibly and professionally. The Client shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time by written notice to the COMPANY.

 Otherwise, the limited power of attorney will terminate upon the termination of this Contract. Any questions or issues, if any, regarding the validity, interpretation, and administration of this Contract shall be determined in accordance with the laws of New Jersey. The Client agrees that the Client’s limited power of attorney is valid throughout the United States for the COMPANY to obtain all of the Client’s Information under this Contract by the binding and enforceable signatures set forth below. This Agreement constitutes the entire agreement of the parties, and there are no other promises or conditions in any other agreement, whether oral or written.

Client Signature: