Credit Honor, LLC
11005 S. Michigan Ave
Chicago, Illinois 60628
info@credithonor.com
Office: (312)-650-9820
Company Website: www.CreditHonor.com
Office Hours:
Monday, Wednesday, and Friday: 9:00 AM-4:00 PM
Tuesday and Thursday: 9:00 AM-7:00 PM
Saturdays: 10:00AM-4:00PM
Sundays: Closed
CREDIT HONOR, LLC is keen on helping you with whatever problem you might have with your credit. We will gladly assist you in getting your credit back on track, and ensure that inaccurate data is removed or modified in your credit report.
To begin, you will need to review and sign the following documents:
A. Credit Analysis & Restoration Agreement
B. SEC.405 Disclosure page
C. Privacy Policy
D. Terms on page
E. Notice of Cancellation (2)
F. Limited Power of Attorney
CREDIT ANALYSIS & RESTORATION AGREEMENT PAGE
CREDIT REPORTS: We begin our credit analysis immediately after all necessary documents are signed. We will give you details about a credible credit report provider, from which you can obtain your credit reports. The credit analysis begins once we receive your report. There are no guarantees on your results; however, we will exonerate all efforts to give you a healthy credit report.
1. Credit Analysis - Your credit analysis report will consist of the following:
A. Education on credit reports, raising your credit score, and rebuilding credit
B. Current credit scores.
C. Summary of all the inaccurate negative accounts
D. Accounts that went negative within the first 24 months
E. Accounts the creditors can sue for that fall within the statute of limitations
F. Key factors regarding your credit score
G. Detailed list of all inaccurate accounts
H. Plan of action; next steps to restoring your credit
I. All derogatory and positive data from Experian, Equifax, and TransUnion
J. All negative accounts inconsistencies across Experian, Equifax, and TransUnion
K. All positive accounts inconsistencies across Experian, Equifax, and TransUnion
2. Review your credit report for inaccurate PERSONAL INFORMATION, and eradicate that personal information that is not specifically REQUIRED To be REPORTED by federal laws, to include any item NOT TRUE, or NOT CURRENT among other things to include:
A. variations of names
B. social security numbers
C. outdated addresses
D. phone numbers
E. employers
F. and roommates/spouses
3. Freeze/Suppression to the Following Repositories.
A. Advance Resolution Services
B. Clarity Services
C. Core Logic
D. Factor Trust
E. Innovis
F. Lexis Nexis
G. MicroBilt
H. SageStream
4. Review your credit report for OTHER inaccurate, incomplete, untrue, misleading, unproven, invalid, or else wise not yet certified compliantly reported items of delinquency and or derogatory else wise. These items might include reported things such as inquiries, late payments, collections, charge-offs, etc., and challenge those items with the bureaus, collectors, and/or creditors (as necessary per the plan of execution agreed upon by consumer client AND CREDIT HONOR alike).
5. Build a plan on how to challenge missing and or deficient reported information—to include data still yet unproven and or not yet certified complaint to every aspect of adequate and lawful reporting to include but certainly not limited to the requisites of the FCBA, FCRA, FDCPA, HIPAA PR, TILA, and even the Metro 2 Format Reporting Standard of Compliance.
6. Challenge deemed problematic CREDIT Information Listed on Your Reports with TransUnion, Experian, Equifax, and as need per the plan selected even the Creditors, and/or Collectors (Prepare and Mail Documents).
7. CREDIT HONOR LLC will consult with you over the phone, by email, or by Text messaging regarding any results of your detailed plan of action, or any other concerns.
8. CREDIT HONOR LLC will provide credit education & advice throughout the process. Client must not apply for new accounts, must continue to pay bills on time, must not negotiate with creditors over the phone, while Credit Honor is working on file. Credit Honor LLC is not responsible for working on new inquiries, delinquents, derogatories, collections, medical collections, charge offs or public records.
9. CLIENT agrees to create, pay for, and maintain credit monitoring throughout the process with IDENTITY IQ and Link here: (bit.ly/creditreportiq) provide CREDIT HONOR login details which include username, password, and last 4 digits of SSN. If the client cancels the credit monitoring service during rounds then, Credit Honor has the right to cancel and stop service moving forward with no refund.
10. CLIENT agrees to NOT apply for credit during this process other than what CREDIT HONOR recommends for credit building accounts.
11. CLIENT agrees to pay ALL bills on time and IN FULL.
12. CLIENT agrees that any delinquency and or derogatory accounts and or additional personal information that appears on the credit report after CREDIT HONOR LLC has started performing work will NOT be included in this agreement.
13. CLIENT agrees that IF any New delinquencies, derogatories, Inquiries, Public accounts, and or personal information that appear on the credit report after CREDIT HONOR LLC has started performing work will be an ADDITIONAL cost should client elect for CREDIT HONOR LLC to address those new issue(s).
14. CLIENT agrees to inform CREDIT HONOR LLC of any document received as a result of this agreement (IF APPLIES, NOT ALL CREDIT HONOR LLC plans require consumer client to make ANY CONTACT with CREDIT HONOR LLC. UNLESS OTHERWISE INDICATED always ASSUME that CREDIT HONOR LLC needs documentation)
15. CLIENT will provide CREDIT HONOR LLC copies of a current and bureau-accepted updated photo ID, social card (or equivalent), and a utility bill (or equivalent) to begin working on the credit report.
16. Failure for the CLIENT to maintain or uphold their responsibility in this agreement will be grounds for TERMINATION OF SERVICES and no further action taken to restore credit. IF CONSUMER CLIENT elected for a plan option that required an ESCROW held, then consumer client LOSES that escrow amount!
17. This Agreement Includes UP TO AGREED POINT IN TIME or an achieved goal as pre-determined and written out into this agreement PRIOR to activation of agreement of Service from The Date of This Signed Agreement.
PAYMENT: Payment may be made via ACH (Bank to Bank), Credit Card or Debit Card, or other acceptable payment forms by Credit Honor LLC. If Payment is returned fees, charged back against Credit Honor LLC, then Credit Honor LLC has the right to cancel clients' subscription or services immediately. Any chargebacks or returned via sufficient funds due to the client may result in Credit Honor LLC merchant account shutdown, which would negatively impact Credit Honor LLC.
MUST be paid as agreed in the PRE-DETERMINED MANNER as related to the plan option selected by the consumer client! The balance is due prior to your documents being mailed as the work has already been performed.
TERMS OF SERVICE: There is no monthly credit restoration with this plan. Typically, we would fire off consumer complaint letters to bureaus and data furnishers alike on a pre-determined 45-day schedule such as Day 1, Day 46, and Day 91 for the three wave attack based on the consumer’s updated reports from days 45 & 90!
DURATION OF SERVICES: The service will last for (Depending on the Package) a period of NO LONGER THAN SIX (6) MONTHS after the CLIENT pens his/her signature on the contract, with MINIMAL EXCEPTIONS (any exception will be in WRITING PRIOR to activation of agreement)
This assumes normal delays that might occur at no fault of the consumer nor CREDIT HONOR LLC
DESCRIPTION OF SERVICES: CREDIT HONOR LLC does not claim fees for any job that has not been completed.
CLIENT: IF APPLIES CREDIT HONOR LLC needs correspondence before it can commence work. Therefore, the CLIENT should provide credit reports, letters, credit monitoring login and passwords, Driver’s License, Social Security Card, and Utility Bill in time to prevent delay of the commencement of the contract OR OTHER ACCEPTABLE IDENTIFYING DOCUMENTS as necessary to proceed forward! By law, CREDIT HONOR LLC cannot be held accountable for the outcome or the time taken to achieve the desired outcome. Kindly get in touch with us in case of a change in the mailing address or any contact information else wise.
INDEMNIFICATION BY CLIENT: Client shall defend, indemnify, and hold harmless CREDIT HONOR LLC from and against all costs, charges, and expenses (including attorney’s fees) arising out of any type of negligence while providing service.
TERMINATION OF AGREEMENT: This agreement shall continue throughout the time allotted in the contract unless either party decides to terminate the agreement. If the agreement is protected by an escrow, then malcontent terminating services by consumer client equates to LOSS OF THE SUBMITTED ESCROW AMOUNT(s).
LIMITED LIABILITY: CREDIT HONOR LLC cannot be held liable for any lost profits, savings, or incidental, indirect, or damages stemming from your use of CREDIT HONOR LLC service or breach of this agreement.
ARBITRATION CLAUSE: Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.
DIGITAL SIGNATURE: CLIENT agrees to sign any document that is presented to them via the internet and requires a digital signature. The CLIENT can at any time withdraw his or her digital signature.
GOVERNING LAW AND JURISDICTION: If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of CREDIT HONOR LLC state of Illinois.
ENTIRE AGREEMENT: This contract constitutes the entire agreement for
Client and CREDIT HONOR LLC regarding services that will be performed on behalf of CREDIT HONOR LLC. By signing this agreement, you agree that this contract supersedes all prior communications or agreements between parties regarding credit restoration services.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written.
RIGHT TO CANCEL: You have the right to cancel your contract with any credit restoration organization for any reason within 3 business days from the date you signed it. A CLIENT is free to cancel this contract within five days of signing the contract without incurring any penalty. Any payment made by the CLIENT will NOT be returned. Kindly send the dated and signed cancellation notice to info@credithonor.com if you wish to cancel the contract.
*SEC.405 DISCLOSURE OF 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 seven years old. Bankruptcy information can be reported for ten 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, or insurance. You can 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. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. Take notice that there is NOTHING THAT CREDIT HONOR LLC does or can do that you yourself as the consumer cannot do equally as well given same access and capacities!
CREDIT HONOR LLC absolutely RECOMMENDS any and all consumers to become better educated in matters concerning their own credit report health enhancements and also their credit score wealth enrichment's by undergoing teachings. The FACT IS that 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 must then investigate and modify, or remove inaccurate or incomplete information. 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 investigation 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 Restoration organizations.
For more information, contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
PRIVACY POLICY: Our policy on privacy is straightforward. In short, any information you submit to us will remain absolutely private and will not be shared with third-party companies.
CATEGORIES OF INFORMATION: Information about you can be categorized as (a) personally identifiable information, or (b) non-personally identifiable information. “Personal identifiable information” is information that we collect from you, such as your name, postal address, telephone number, fax number, and email address. “Non- personally identifiable information” is information that we collect from you that does not include your name or any information that would allow us to contact you.
HOW WE USE AND DISCLOSE INFORMATION:
Some of the ways in which we use your personally identifiable information may include using it to prepare challenges, to provide you with information that you may request, and to customize your credit restoration experience. It is important for you to understand that we may use a third-party processor to handle our challenges. We generally require that the third-party processor not disclose personally identifiable information or use it other than as necessary to perform their services for us. Because we care about your privacy, we will not give your personally identifiable information to other marketers or retailers for them to use to contact you about offers or promotions of their own (other than, of course, in connection with the sale of our business).
As a responsible company, CREDIT HONOR LLC believes COMPLIANCE in obeying any applicable law is important. Therefore, we may disclose personally identifiable information in order to comply with a subpoena or court order, or when we are required to do so by law. We may also disclose personally identifiable information in cooperation with law enforcement or government request. It is important for you to understand that the above policies and restrictions do not apply to our use or disclosure of your non-personally identifiable information. We may freely use and disclose non-personally identifiable information for many purposes and on many occasions.
Restoration
YOUR ACCEPTANCE OF THESE TERMS: By signing this agreement, you indicate your acknowledgment of this Privacy Policy. If you do not agree with ANY ASPECT OF THIS AGREEMENT AND OR this Privacy Policy, then do not sign this agreement.
LIMITED POWER OF ATTORNEY
I, the Client, hereby appoint CREDIT HONOR LLC its officers, agents, servants, employees, designees as my true and lawful attorney-in-fact, with full power of substitution, to act on my behalf in the following capacity.
I hereby give CREDIT HONOR LLC its officers, agents, servants, employees, and designees the authority to sign documents on my behalf to forward to the credit bureaus, and to make decisions on my behalf, in connection with my credit reports, credit scores, and/or negotiating my debt. This attorney is given. The signing of my name on any documents is as if I had signed my name personally. CREDIT HONOR LLC does not release copies of the letters as they remain proprietary information to the organization.
I declare by this instrument that any act or thing lawfully done under it by attorney-in-fact shall bind me and my heirs, legal and personal representatives, and assigns. This authorization shall not terminate on my disability. This power of attorney may be filed for record in any appropriate public office.
I hereby ratify and confirm that my attorney-in-fact or any successor shall woefully do or cause to be done by virtue of this limited power of attorney in the right and powers granted herein.
I hereby bind myself to indemnify CREDIT HONOR LLC its officers, agents, servants, employees, designers and my attorney-in-fact and any successor who shall act against any and all claims, demand, losses, damages, action, and causes of action, including expenses, costs, and responsible attorney’s fees which my attorney-in-fact at any time may sustain or incur in connection with this carrying out the authority granted him in this Limited Power of Attorney.
I hereby give CREDIT HONOR LLC its officers, agents, servants, employees, and designee the authority to investigate and obtain any information or records necessary, related to my credit and/or debt.
I have read and agreed to a Credit Consulting Agreement and agree to receive valuable information and resources.