DISCLOSURE STATEMENTS

All clients of Wise Credit Consultants must read and understand the following statements.

• Client understands this is a binding agreement.
• Either party may cancel this agreement at any time.
• Wise Credit Consultants shall, within the course of 5 to 7 business days of signup, set up clients with their online private client site which will allow them to check progress throughout their service.
• A username and password will be provided to the client to access their online client portal.
• Wise Credit Consultants will prepare client audit within 5 – 7 days and deliver via the online client portal before the audit fee is charged.
• Wise Credit Consultants shall prepare challenges for items appearing on the customer’s credit reports in accordance with the FCRA.
• After each consecutive round of service, Wise Credit Consultants shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act or other laws applicable.
• All items repaired or removed will be posted to the client’s online portal, which is accessed online by username and password provided to client upon initiation.
• Wise Credit Consultants shall assist client in determining the action to take with each account in regards to that client’s file.
• Wise Credit Consultants is available to review the client’s personal credit file by calling the customer service numbers provided upon enrollment.
• Client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.
• Client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.
• Wise Credit Consultants shall also provide a client services staff for assistance in answering questions regarding a client’s account.
• Wise Credit Consultants will ONLYchallenge items as allowed by law.
• A “removal” is defined as an item, tradeline, personal information, or inquiry that is removed from any of the client’s three credit files for ANY reason during our service.
• A “repair” is defined as any “formerly negative” tradeline or any of the client’s credit files that, during our service, becomes a “positive” tradeline. This could include but is not limited to removal of “late notations” or “status change”.