Terms and Conditions
WHEREAS, GET CREDIT HEALTHY is a credit verification service organization, offering credit remediation
services to individuals or couples in accordance with the following terms and conditions; and
WHEREAS, CLIENT seeks to engage GET CREDIT HEALTHY to perform credit restoration services in
accordance with the following terms and conditions;
NOW THEREFORE, in consideration of the mutual promises and undertakings contained herein, and other
good and valuable consideration, the receipt and adequacy of which is hereby acknowledged, the parties agree
as follows:
1. Definitions: As used herein, the following terms have the meaning set forth below:
a. “Products” shall mean the services sold by GET CREDIT HEALTHY and explained in detail in this
Agreement and on Schedule A, attached and incorporated by reference into this Agreement.
b. “Service Plan” shall mean the following service plans that contain varying levels of service options: Monthly
Individual Service Plan with Bureau Scoring and Credit Reports. The services included in the Service Plans are
explained in greater detail in Section 10 of this Agreement and on Schedule A. Additional services offered by
GET CREDIT HEALTHY and the respective fees are detailed in Section 10 of this Agreement and on Schedule
A.GET CREDIT HEALTHY does not charge in advance for any credit repair services.
Upon review of the proposed services and investment, CLIENT hereby selects the following Service Plan:
MONTHLY INDIVIDUAL PLAN w/ Bureau Scoring and Credit Reports
2. Length of Service, Cancellation and Refunds. This Agreement will commence on the Effective Date and
remain in full force and effect on a month-to-month basis, with automatic renewal each month unless a Notice
of Cancellation is received terminating this Agreement (the “Service Period”). The total amount charged to
CLIENT for services rendered will depend upon the length of time CLIENT chooses to continue this Agreement
and/or until GET CREDIT HEALTHY completes the services on behalf of CLIENT. The CLIENT may cancel this
Agreement at any time by submitting a written notice of cancellation to GET CREDIT HEALTHY. All services
performed by GET CREDIT HEALTHY on CLIENT’S behalf will cease upon receipt of the CLIENT’S written
cancellation notice.
If CLIENT cancels a payment made by CLIENT under this Agreement, within 5 days of the transaction
(Effective) date, GET CREDIT HEALTHY will refund such payment within 10 days following GET CREDIT
HEALTHY’s receipt of the Notice of Cancellation. CLIENT understands that any cancellation notice submitted
after the initial 5-day cancellation period could result in a charge for any services rendered by GET CREDIT
HEALTHY prior to its receipt of CLIENT’s cancellation notice.
CLIENT further acknowledges that most credit restoration cases experience results within the first four to six
months from engagement depending upon the amount of inaccuracies within a CLIENT’s credit report. The
exact time frame required to attempt to achieve results on behalf of CLIENT varies from CLIENT to CLIENT
and depends upon the nature of the case, the level of communication from the credit bureaus, the CLIENT’s
specific circumstances, cooperation and participation. Accordingly, GET CREDIT HEALTHY cannot guarantee
results nor accurately predict the length of time the entire process will take. However, the Sample Scenarios on
Schedule A provide an estimate of the general time frame required to complete specific types of cases.
3. Disclosure Statement and Notice of Cancellation. Accompanying this Agreement and by this reference made
a part of this Agreement, is the “Disclosure Statement and Notice of Cancellation,” Schedules B and C,
respectively, which CLIENT acknowledges having received, reviewed, understood and signed. The Consumer
Credit File Rights Under State and Federal Law explains in detail CLIENT’S rights under state and federal laws
to dispute inaccurate information on credit reports and the Notice of Cancellation explains CLIENT’s
cancellation rights within the time frame required by applicable law. GET CREDIT HEALTHY is required by law
to provide these disclosures to all prospective CLIENTs.
4. Communication. CLIENT agrees, unless specifically requested otherwise, that by entering into transactions
with Company, CLIENT affirms consent to receive, in an electronic format, all information, copies of
agreements and correspondence from Company and to also send information in an electronic format unless
previously agreed upon in writing with Company. CLIENT consents and agrees that Company may provide all
disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of
transactions electronically. All electronic communications will be deemed to be valid and authentic, and
CLIENT intends and agrees that those electronic communications will be given the same legal affect as written
and signed paper communications. CLIENT has a right to receive a paper copy of any of these electronic
records if applicable law specifically requires us to provide such documentation. CLIENT’s consent may be
withdrawn at anytime upon Company’s receipt of such withdrawal. However CLIENT’s withdrawal of CLIENT’s
consent to conduct business electronically can only occur if applicable law specifically requires Company to
provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company
can complete certain steps in transactions with CLIENT and delivering services to CLIENT. To inform us that
CLIENT either withdraws CLIENT’s consent to receive future notices and disclosures in electronic format,
would like to receive paper copies, or to update your information CLIENT may send to: GET CREDIT
HEALTHY., at8411 West Oakland Park Blvd, Ste #202A, Sunrise, FL, 33351. CLIENT acknowledges and
agrees that the internet is considered inherently insecure. Therefore, CLIENT agrees that Company has no
liability to CLIENT whatsoever for any loss, claim, or damages arising or in any way related to Company’s
responses to any electronic communication, upon which Company has in good faith relied. At all times, CLIENT
maintains the sole obligation to ensure they can receive Company’s electronic communications, and access
them on a regular and diligent basis.
5. Obligations of CLIENT. During the Service Period, the CLIENT understands and agrees to the following
commitments and processes:
a. Provide legible copies of any and all documents, correspondence and mailings received from credit reporting
agencies and creditors within fourteen (14) days from CLIENT’s receipt thereof;
b. Provide legible copies of one of the following: Social Security card, paystub with Social Security number, or
W-2 form AND two copies of a driver's license, rental lease, paystub with address or utility bill with address
(gas, electric, water or cable);
c. Maintain timely monthly payments of CLIENT’s current credit obligations (i.e. car loan, utility bills, mortgage
payments, credit cards, etc.). Failure to maintain those payments on a timely basis will result in severe damage
to improvements in progress.
d. Refrain from applying for any type of credit, loans, financing and any other type of debt without prior written
approval from Company.
e. Report any change of address, phone number or billing information to GET CREDIT HEALTHY within five (5)
days of such change.
f. Respond to GET CREDIT HEALTHY Credit Wellness Advisor’s correspondence in a timely fashion.
g. Arrange for the payment of fees for all services rendered on CLIENT’s behalf by signing a Payment
Authorization Form.
h.If CLIENT applies for credit monitoring, CLIENT must retrieve his/her own reports and scores from
information provided by Advisor.
i. CLIENT understands credit repair is not a quick fix, no promises of results or time frame for completion have
been extended. j. CLIENT understands that no guarantee of any particular score is made through this
Agreement.
k. CLIENT understands that Company does not guarantee CLIENT will receive any type of financing or
additional benefits as a result of Company’s services.
l. CLIENT understands that it is their right to execute similar disputes on their own behalf, but has willfully
elected to allow Company to perform the services for the fees agreed upon by CLIENT and Company.
m. CLIENT acknowledges they have received a copy of company’s privacy policy, and a copy of the required
disclosures prior to signing this agreement.
n. CLIENT understands that GET CREDIT HEALTHY will not instruct CLIENT to make any false statements to
any parties in furtherance of improving CLIENT’s credit rating or credit score.
CLIENT acknowledges that the success of the services provided are dependent upon CLIENT’S fulfillment of
the obligations set forth above. Failure of CLIENT to fulfill these obligations shall nullify any commitment and/or
obligation of GET CREDIT HEALTHY under this Agreement. CLIENT acknowledges and understands that GET
CREDIT HEALTHY cannot and has not guaranteed specific results, including any improvements or changes to
CLIENT's credit report and/or credit score.
6. Authorization of Company; Limited Designation of Agency. During the Service Period and within the scope of
GET CREDIT HEALTHY’s services under the terms of this Agreement, the CLIENT authorizes GET CREDIT
HEALTHY to act as CLIENT’s agent to:
a. Pull credit, view and evaluate personal information;
b. Disseminate correspondence on the CLIENT(s)'s behalf;
c. Electronically sign documents on CLIENT’s behalf and in CLIENT’s name;
d. Create an account with an online credit report provider on CLIENT’s behalf.
The CLIENT may, at any time, cancel the limited authorization granted to GET CREDIT HEALTHY by notifying
GET CREDIT HEALTHY in writing.
7. Company’s Obligations. During the Service Period, GET CREDIT HEALTHY agrees to work on CLIENT’s
behalf to attempt to clear and/or correct inaccurate, non-current, unverifiable and/or misleading information
contained in CLIENT’s credit reports. To perform the services selected by CLIENT, GET CREDIT HEALTHY
charges the fees outlined in the Service Plan selected by CLIENT and on Schedule A. An explanation of the
services and total costs associated with the services provided under the Service Plans and any additional
supplemental services offered by GET CREDIT HEALTHY, are detailed on Schedule A.
8. Company Services and Fees. Details of GET CREDIT HEALTHY’s enrollment and monthly services and
fees and estimated time frames are explained in greater detail on Schedule A. CLIENT agrees to pay for GET
CREDIT HEALTHY’s services by signing a Payment Authorization Form that authorizes the form of payment
CLIENT elects. No fees are billed for credit restoration services in advance.GET CREDIT HEALTHY will not
charge fees in advance of rendering services to CLIENT.Billing occurs only after services have been
rendered.
Individual Credit Restoration Service Plan: The Enrollment fee for Credit Education and Restoration service
depends on the program, payable on the first day after enrollment process complete. Stage 1 services are
completed immediately after the enrollment period. The monthly service fee for the total services depends on
the program (includes Bureau Scoring & Credit Reports) per month for credit education and restoration.
CLIENT understand these charges will post as a debit from the credit card or bank account listed below, and
CLIENT agrees to these charges for services.
The specific services encompassed in the enrollment fee are further detailed on Schedule A and include,
among other things, general and specific credit education, credit analysis, creation of CLIENT’s secured online
profile.
bureaus).According to the requirements of the Credit Repair Organizations Act (CROA) and Florida
Statute Sections: 817.7001-817.707, no credit repair services are to be performed until five (5) days after
the date of this Agreement. CLIENT will be billed for the enrollment fee and all stages only after the
work is completed. Thereafter, CLIENT will be billed for monthly services, upon said services being
completed by GET CREDIT HEALTHY, on either the thirtieth (30th) day after enrollment, or such other date
selected by CLIENT and only after the monthly services have been rendered.No additional fees will be
charged unless GET CREDIT HEALTHY incurs a fee because CLIENT fails to maintain sufficient funds
in the designated account (NSF). Should a CLIENT’s payment be returned and/or dishonored by
CLIENT’s bank or credit card company, GET CREDIT HEALTHY will re-draft the payment. GET CREDIT
HEALTHY will continue to draft CLIENT’S account during a 30-day period until payment is received. If
CLIENT’s payment has not been received in 30 days, CLIENT’s account will be suspended until payment
arrangements can be made. Should CLIENT wish to change a scheduled payment, GET CREDIT HEALTHY
requires that CLIENT to notify GET CREDIT HEALTHY at least three (3) business days prior to payment. Once
payment is redrafted, there is a "waiting period" of ten (10) days to verify receipt of payment.
9. Company Recommendations. GET CREDIT HEALTHY may at times recommend that CLIENT undertake
additional steps as part of the credit restoration process, such as establishing new lines of credit. The selection
of third party services and fees are at CLIENT’S sole discretion, risk and expense. Additionally, CLIENT
understands that GET CREDIT HEALTHY may terminate third party services contracted by GET CREDIT
HEALTHY on CLIENT’s behalf.
10. Arbitration Of Disputes. In the event of any controversy, claim or dispute between the parties arising out of
or relating to this agreement or the breach, termination, enforcement, interpretation, consionability or validity
thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be
determined by arbitration in Miami Dade County, State of Florida or in the county in which the consumer
resides, in accordance with the Laws of the State of Florida for agreements to be made in and to be performed
in Florida. The parties agree that the arbitration shall be administered by the American Arbitration Association
("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall
be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator
shall be final and shall not be subject to vacation or modification. Judgment on the award made by the
arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the
arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either
party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class
member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may
not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of
representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. If
the consumer's share of the cost (not attorney’s fees) is greater than $2,000.00 (Two-thousand dollars), the
company will pay the consumers share of costs in excess of that amount. In the event a party fails to proceed
with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award,
the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration
or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury.
It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range
of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator.
This section and the arbitration requirement shall survive any termination.
11. Applicable Law. This Agreement shall be governed by and construed in accordance with the laws of the
State of Florida.
12. IMPORTANT NOTICE REGARDING FILES: In the process of providing credit repair services to CLIENT,
GET CREDIT HEALTHY creates a hard copy file that contains date and time stamped letters and other
correspondence sent to or received from Credit Bureaus and Creditors. Within two weeks after CLIENT
completes or cancels the credit repair services, the file is permanently destroyed.If CLIENT wishes to keep
the file for his or her personal records, CLIENT must (1) timely request in writing that the file be mailed
to him or her and (2) pay a one-time fee of $24.95 to cover handling and shipping costs. To be timely,
the request for the file must be made not later than two weeks after CLIENT completes or cancels the
credit repair services.
13.NOTICE OF CANCELLATION. You, the buyer, may cancel this contract without penalty or obligation
at any time before midnight of the 5th day after the date on which you signed the contract. Company
will not perform any credit repair services on behalf of the Client before the end of the fifth business
day period beginning on the date the contract is signed. See the attached notice of cancellation form
for an explanation of this right.