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Get Your Credit Back on Track

Credit Report Order Authorization Form & CREDIT SERVICES AGREEMENT

This agreement gives my permission for Ranieri Law, LLC to order my credit reports, with my scores, and the analysis of these reports. I understand there is a one-time fee of $79.95. I also understand that an inquiry may appear on future reports from a mortgage company, a real estate company or a financial institution. This service is intended only to advise me what items on my reports may have a negative effect on my credit scores (erroneous, outdated and/or unverifiable items).

You must fill out this form to receive your reports and enroll in the program.

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    Personal Information










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    Agreement and Disclaimer

    Credit Services Agreement

    This agreement (hereafter referred to as the “Agreement” or “Contract”) dated is between Ranieri Law, LLC (hereafter referred to as the “Firm”) a Florida Corporation, located in Broward County Florida and (hereafter referred to as the “Client”), (individually, the “Party” and collectively, the Parties”).

    WHEREAS, the Client has requested the credit services (hereafter referred to as “Services”) of the Firm.

    The Firm has agreed to provide credit correction and educational Services pursuant to the terms herein. This Agreement is dated and effective upon your confirmation.

    This Credit Report Investigation and Correction Service Agreement between the Firm and the undersigned Client is for the purpose of investigation and improvement Services. The Services will include preparation of correspondence to the credit bureaus requesting removal of unverifiable, erroneous, outdated, misrepresented or incomplete information as you have indicated on the audit form as well as providing educational information. This is NOT a debt consolidation or bill payment program. The restoration Services will be performed as specified under Sections 605 and 609 of the Fair Credit Reporting Act. A consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated, or cannot be verified. If in the course of providing Services it is required to access additional credit reports, this Agreement provides permission to do so.

    The Client understands they have retained the Services of the Firm for a period of one (1) year with a retainer fee of $79.95 per month. Your first monthly billing will begin 30 days from the date we receive your signed Agreement. You will be advised when the initial challenge is made. Monthly retainer billing will continue on that day each month or the closest business day each month. The average Client stays in the program for six to eight months. This Agreement can be cancelled at any time by telephone, fax, email or U.S. mail, however any work completed in the previous month prior to the date of cancellation will be billed as the final payment. Payments will be automatically debited from the account supplied by the Client (credit, debit or prepaid card). If after one year you do not cancel this Agreement it will automatically renew under the same terms and conditions. There are no other costs or fees. The Firm reserves the right to charge $10.00 for any returned payments. The Firm reserves the right to re-run any failed payments as well as to terminate any Agreement for non payment and/or if we feel no further work needs to be done.

    The Client understands that the fee includes the continuing analysis/audit, investigation and disputes to the three credit bureaus, and all correspondence associated with the credit report audit and any other educational information available. All letters written on the Client’s behalf are work product and are to be considered proprietary and confidential. Client waives any right to receive copies of these letters. The Client agrees to send VIA MAIL all credit reports and/or correspondence received from the credit bureaus to the Firm within five days after receiving them. If Client has not received any credit reports or correspondence within sixty days after the date of the initial credit report analysis Client must notify the Firm.

    Guarantee; if after two challenges and responses from the credit bureaus Ranieri Law, LLC is not able to improve or remove a single negative item, a maximum refund of up to 2 months fees representing two retainer fees paid shall be refunded if requested.

    The Client hereby gives limited power of attorney to the Firm for the Services as outlined in this Agreement. The Firm will provide you with a counter signed copy of this Agreement for your records, as well as a copy of the cancellation acknowledgment and the Consumer Credit File Rights under State and Federal Law.

    Client agrees that any dispute between or among the Parties to this Agreement shall first be submitted to mediation before a certified mediator with venue exclusively in Broward County, Florida. If not resolved then the dispute shall be submitted to arbitration in Broward County, Florida and conducted in accordance with the rules of the American Arbitration Association. Judgment upon any award may be entered in any court having jurisdiction. The laws of the State of Florida will govern this Agreement without regard to conflict of laws and any litigation that may ensue will be exclusively in the venue of Broward County, Florida, irrespective of place of residence or domicile. Regardless of where you live or where you sign this Contract, our Agreement, for all purposes is deemed to be entered into in Broward County Florida.

    I hereby authorize you to access a copy of my credit report showing the three credit reporting agencies: Experian, Equifax and TransUnion. I understand that an inquiry may appear on my future credit reports from a mortgage company, a real estate company or a financial institution. I authorize you to complete any necessary paperwork on my behalf.

    I ACKNOWLEDGE RECEIVING THE CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW ALONG WITH THE RIGHT TO CANCEL FORM IN DUPLICATE.

    I give you my permission to receive telephone calls from your office or any other person or company that your office thinks can be helpful to me.

    YOU MAY CANCEL THIS AGREEMENT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT ON THE 5TH BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THIS AGREEMENT.

    This electronic signature is in compliance with the Uniform Electronic Transaction Act as expressed by Florida Statue 668.50

    Acknowledgement

    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 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

    **By filling out below I indicate that I have read and understand the Consumer Credit File Rights.

    **I have received a duplicate copy of the right to cancel the agreement.


    This electronic signature is in compliance with the Uniform Electronic Transaction Act as expressed by Florida Statue 668.50

    I read, understand and agree to the above terms.

    Right To Cancel

      Right to Cancel Agreement

      Florida law and Federal law require Ranieri Law, LLC to provide you with the following Notice of Cancellation form in boldfaced type and in duplicate:

      NOTICE OF CANCELLATION

      You may cancel this agreement, without any penalty or obligation, at any time before midnight of the 5th business day which begins after the date the contract is signed by you. If you cancel any payment made by you under this contract, it will be returned within 10 days following receipt by the credit service organization of your cancellation notice. To cancel this agreement, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Ranieri Law, LLC, at 5701 Pine Island Rd., Suite 240, Tamarac, FL 33321, before midnight of the 5th business day after signing the agreement.

      I hereby cancel this transaction.











      This electronic signature is in compliance with the Uniform Electronic Transaction Act as expressed by Florida Statue 668.50


      After you have signed this Agreement, We will need a COPY of the following:

      ***Drivers license or ID card
      ***Social Security card or any document that shows your number (paycheck, W-2)
      ***Any item showing your name and current address (electric, gas, water bill or top of a bank statement)

      Please FAX the above to 855-286-8184 or scan the above and email to; info@ranierilawllc.com. Ranieri Law LLC will send a letter requesting the ID’S with a postage paid return envelope, if the above methods will not work for you.

      Note: Delaying the receipt of the required documentation may result in a longer period of time to complete the process.

      RANIERI LAW LLC

      Ranieri Law, LLC is a Florida law firm. It is owned and supervised by Christopher M. Ranieri, Esq., FBN 0127760. Ranieri Law, LLC will provide customized personal attention to your individual credit repair case. It focuses on raising a client's credit standing by correcting unverifiable, inaccurate, misleading, out-of-date and incomplete information. Where else can you have a lawyer supervise the credit repair process for a flat fee per month?

      The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. Ranieri Law LLC is a Florida Limited Liability Company. Ranieri Law LLC does not provide legal services in Minnesota.

      CONTACT RANIERI LAW LLC


      5701 N. Pine Island Rd.
      Suite 240
      Tamarac, FL 33321
      Phone : 1-866-300-6174
      Fax: 855-286-8184
      Email: info@ranierilawllc.com
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