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In this Agreement, the party who is contracting to receive services shall be referred to as "the client(s)", and the party who will be providing services shall be referred to as "Fowler and Fowler, we or us".

The parties agree as follows:

General Terms and Conditions:

A. This Credit Report Audit and Investigation Service Contract between Fowler and Fowler and the undersigned "Client" (refers to both in case of a couple) is for the purpose of purchasing credit report audit/analysis, investigation and improvement services (the "Services"). The "Services" will include preparation of correspondence to credit bureaus to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information, which the "Client" states appears on the credit reports which the "Client" has furnished Fowler and Fowler. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. Fowler and Fowler agrees to use its best efforts to provide the "Services", and will perform them in accordance with federal and state laws.

B. The "Client" understands that there will be a non refundable Credit Report Analysis/Audit Fee of $59.00 for an individual, and $99.00 for a couple, billed 5-6 days after enrollment and that Fowler and Fowler will analyze/audit the "Client's" credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. Excluding this Credit Report Analysis/Audit Fee, there will be no fees or any other charges associated with the "Services" until after the completion of the first month of "Services". The "Client" understands and agrees that after the first month of "Services", a fee of $59.00 for an individual, and $99.00 for a couple will be due, and that this fee will be charged until the client cancel these services( a minimum of 2 weeks notice prior to the due date is required to not pay a final payment). The monthly fee is for all costs and fees associated with the previous month's "Services". The "Client" understands that the monthly fee includes the continuing analysis/audit and investigation/dispute of up to three credit bureau, all correspondence associated with the credit report audit, investigation, and improvement process, the review for changes requested by the "Client" to the "Client's" credit reports as a result of contacts made on the "Client's" behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report improvement.

C. The "Client" agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to Fowler and Fowler within five (5) days after the date received. If the "Client" has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis/Audit, the "Client" must notify Fowler and Fowler.

D. The term of this contract shall be month to month, automatically renewing until such time as the "Client" cancels. "Client" may cancel this contract at any time. If the "Client" decides to cancel the "Services" and terminate this contract, the "Client" shall give 15 days prior written notice requesting such termination to Fowler and Fowler. The "Client" is responsible for payment of any "Services" performed by Fowler and Fowler up to the date of receipt of the notice to cancel such "Services".

E. By executing this contract to obtain Fowler and Fowler Credit Report Audit and Investigation Services, the "Client" grants Fowler and Fowler during the term of this contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the "Client" provided 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) use "Client's" name to sign correspondence addressed to creditors, record holders and credit bureaus; 3) obtain credit information over the telephone, fax, and or through the internet from record holders; 4) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. Fowler and Fowler acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, Fowler and Fowler will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The "Client" shall have the right to revoke or terminate the limited power of attorney provided under this contract at any time upon written notice to Fowler and Fowler. Otherwise, the limited power of attorney shall terminate upon termination of this contract. All questions pertaining to validity, interpretation and administration of this contract shall be determined in accordance with the laws of Florida. "Client" agrees that the "Client's" limited power of attorney is valid throughout the United States for all Customer Information to be obtained by Fowler and Fowler pursuant to this contract by the binding and enforceable signatures set forth below. This contract contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.

F. Money Back Guarantee. To be eligible for a refund the "Client" must be actively enrolled in the "Services" for one full year. If at the end of twelve months, the "Client" has forwarded credit reports every sixty days and completed "Client's" commitments to the "Service", and the "Client" is not satisfied with our results, Fowler and Fowler will gladly offer the "Client" a refund based on results achieved. Fowler and Fowler agrees to improve the "Client's" credit profile during the period of one year. The "Client" understands that the results obtained by Fowler and Fowler on behalf of the "Client" are dependent on numerous factors, including but not limited to the "Client's" ability to repay debts and loans, cooperation of the "Client's" creditors, and credit bureaus ability to verify information provided to them by Fowler and Fowler on behalf of the "Client".

G. The "Client" agrees to indemnify and hold Fowler and Fowler, their agents, brokers and employees, harmless from all claims, losses, expenses, fees including attorney fees, costs, judgments that may be asserted against the "Client" that result from the acts of omissions.

I agree and understand what I am signing, and acknowledge that I have received a copy of the General Terms and Conditions by printing or saving this document.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus that gather and sell information about your creditworthiness to creditors, employers, landlords, and other businesses. The FCRA gives you specific rights, which are summarized below. You may have additional rights under state law. For more information, go to, or write to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment – or take another adverse action against you – must tell you and give you the name, address, and phone number of the agency that provided the information.

You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You will be asked to provide proper identification, which may include your Social Security number. In many cases the report will be free. You are entitled to free reports if a person has taken adverse action against you because of information in a report; if you are the victim of identify theft; if you are the victim of fraud; if you are on public assistance; or if you are unemployed but expect to apply for employment within 60 days. In addition, you are entitled to one free report every twelve months from each of the nationwide credit bureaus and from some specialized consumer reporting agencies. See for details about how to obtain your free report.

You have a right to know your credit score. Credit scores are numerical summaries of a consumer's creditworthiness based on information from consumer reports. For a fee, you may get your credit score. For more information, click on In some mortgage transactions, you will get credit score information without charge.

You can dispute inaccurate information with the consumer reporting agency. If you tell a consumer reporting agency that your file has inaccurate information, the agency must take certain steps to investigate unless your dispute is frivolous. For an explanation of dispute procedures, go to

Inaccurate information must be corrected or deleted. A consumer reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer reporting agency may continue to report negative data that it verifies as being accurate.

Outdated negative information may not be reported. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.

Identity theft victims and active duty military personnel have additional rights. Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file "active duty" alerts to help prevent identity theft. For more information, visit

Your consent is required for reports that are provided to employers. A consumer reporting agency may not give out information about you to your employer, or potential employer, without your written consent. Blanket consent may be given at the time of employment or later.

You may choose to remove your name from consumer reporting agency lists for unsolicited credit and insurance offers. These offers must include a toll-free phone number you can call if you choose to take your name and address off lists in the future. You may opt-out at the major credit bureaus by calling 1-800-XXXXXXX.

You may seek damages from violators. If a consumer reporting agency, a user of consumer reports, or, in some cases, a furnisher of information to a consumer reporting agency violates the FCRA, you may sue them in state or federal court. The FCRA gives several federal agencies authority to enforce the FCRA:


Consumer reporting agencies, creditors and others not listed below
Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4367 (Toll-Free)
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693
Savings associations and federally chartered savings banks(word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision Consumer Programs
Washington, DC 20552 800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-518-6360
State-chartered banks that are not members of the Federal
Reserve System
Federal Deposit Insurance Corporation
Division of Compliance & Consumer Affairs
Washington, DC 20429 800-934-FDIC
Air, surface, or rail common carriers regulated by former Civil
Aeronautics Board or Interstate Commerce Commission
Department of Transportation
Office of Financial Management
Washington, DC 20590 202-366-1306
Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051

NOTE: State Law of Florida provides 5 days after signing your contract for you to cancel your contract with Fowler and Fowler Credit and Debt Solutions, Inc. We does not have a restriction on cancellation and you may cancel your service with our company at any time.

I have received a copy of Consumer Credit File Rights by printing or saving this document.


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If you do not wish to submit over the Internet, print two copies of this contract one to mail or fax and one for your records.

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