Service Terms & Disclosures
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 must then reinvestigate 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 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
TRADELINE USER AGREEMENT
PARTIES This agreement is intended to be a binding contract by and between Tradeline Supply Company (hereinafter “TSC”) and the undersigned client (hereinafter “Client”). By signing this agreement, Client certifies that he/she is at least 18 years of age, that the information he/she has provided to TSC is true and complete, that he/she is legally authorized to enter into this agreement and authorize the actions of TSC as set forth herein, and that he/she will not use any of the services of TSC or any information provided by TSC for any unlawful purpose.
DEFINITION OF TRADELINE The term “tradeline” technically refers to the line-item for a credit account on a credit bureau report. As used throughout this agreement, however, the term refers more generally to a line of revolving credit, such as a credit card, which forms the basis of the credit bureau report tradeline. The act of adding Client to another person’s tradeline consists of adding Client as an “Authorized User” on that person’s line of credit, resulting in the tradeline also appearing on Client’s credit bureau report.
SERVICES PROVIDED TSC agrees to identify one or more tradelines (as indicated in the “Tradeline Order” clause below) on behalf of Client and perform all functions necessary to have Client added to those tradelines as an “Authorized User” before the date of the first billing statement following the date of this agreement for each tradeline. It is understood and agreed by both parties that Client will maintain “Authorized User” status on those tradelines for two (2) billing/posting cycles for each tradeline after being added thereto, after which he/she will be removed therefrom. Accordingly, it is the understanding and intent of the parties that Client will maintain “Authorized User” status on each tradeline for two billing statement dates, and that Client will receive two consecutive postings of each tradeline to his/her credit bureau report and this “Authorized User” status shall be reported by two (2) or more credit bureaus. The parties further understand and agree that Client will only be added to tradelines with the full advance knowledge, consent and participation of the primary account holder of the account to which that tradeline pertains. TSC shall coordinate with TSC Credit Partners to ensure the authorized user is added to the tradeline within two (2) business days, excluding weekends and bank holidays. TSC Credit Partners shall maintain low balances on their tradelines (15% or less of the total tradeline) and shall keep the accounts in good standing with on time payments. FEES Client agrees to pay, and TSC agrees to accept as compensation, the non-refundable fee specified in the “Tradeline Order” clause below. Client understands and agrees that this fee is to be paid in full prior to the commencement of any work or delivery of any services by TSC. Client understands and agrees that no work will be performed by TSC until it has received the entire fee, and that all fee payments received are to be considered earned upon receipt and non-refundable. Consequently, Client agrees that any partial fee payments received will not be refunded to Client in the event Client fails to pay the remainder of the fee, although Client will retain the right to pay the remainder of the fee and receive the services of TSC for up to one year from the date of this agreement. Client further understands and agrees that after one year from the date of this agreement, any partial fees paid by Client shall be forfeited to TSC. Client further agrees that in the event any method of payment is returned or declined for any reason, TSC may remove that Client from any tradeline to which that Client has been added until such time as that payment has been replaced with good funds.
PROOF OF NON-PERFORMANCE The parties agree that in the event Client’s authorized user status has not posted to two (2) of the credit bureaus in accordance with the “Services Provided” clause above, TSC shall refund the Client’s fees to him/her within seven (7) days of the date it receives written proof from the Client of TSC’s non-performance, provided such written proof is received by TSC by email or text message within twenty-one (21) days of the date by which Client should have been added to the specified tradeline as set forth in the “Services Provided” clause above. It is understood and agreed that such written proof must be in the form of a report generated by either creditchecktotal.com or Equifax Complete Advantage Plan, and that no other document or other form of proof shall be valid or binding upon TSC. It is further understood and agreed that TSC shall not be bound or obligated to issue a refund or to perform any other act, or to refrain from performing any other act, if the proof submitted by Client varies in any way from that specified above, is transmitted by any means other than email or text message as specified above, or is received after the twenty-first (21st) day as specified above, all in strict compliance herewith. AUTHORIZATION Client hereby grants to TSC full authority to use his/her information for the sole purpose of adding him/her to the selected tradeline, as well as for any other purpose necessary to accomplish the goals of this agreement. In furtherance thereof, Client authorizes TSC to perform any and all acts necessary to accomplish the goals of this agreement, and agrees to execute any and all documents necessary to facilitate TSC’s performance hereunder, including but not limited to any power of attorney or letter of authorization. Client further authorizes TSC to verify and validate through a professional third party verification service of TSC’s choice all information provided from the client including but not limited to driver’s license information, social security number, date of birth, full legal name, address, phone number, and any other information provided to TSC. USE OF PERSONAL INFORMATION Client agrees to provide to TSC any and all personal information necessary to allow TSC to add that Client to the specified tradeline, including but not limited to color copies of Client’s driver’s license, passport, and social security card. TSC agrees that it will use any personal information received from Client solely for that purpose. TSC will not use that information for any other purpose, nor will it sell, release, or allow access to that information to any third party not involved in adding Client as an Authorized User, except to the extent necessary to accomplish the goals of this agreement and to remain in legal compliance.
USE OF FALSE OR UNAUTHORIZED INFORMATION Client agrees that he/she shall not use, provide, or submit to TSC, any alternate Social Security Number (SSN), Credit Protection Number (CPN), Employer Identification Number (EIN), Taxpayer Identification Number (TIN), or other similar information that is false, fraudulent, illegal or unauthorized. Upon the discovery of such false, fraudulent, illegal or unauthorized information, TSC shall have the absolute right to terminate this agreement, discontinue its services, and reverse any services previously performed (ie, remove the Client from any tradelines to which he/she has been added by TSC). Client agrees that in that event, any and all fees, costs and other money and funds of any kind paid to TSC shall not be refunded to Client, but shall be retained by TSC and considered to be liquidated damages for Client’s breach of this agreement. It is further understood and agreed that TSC’s damages in that event shall not be limited to the fees, costs and other money and funds described above, and that TSC does not hereby waive its entitlement to any other damages to which it may be entitled in law or equity. ASSUMPTION OF RISK Client understands and agrees that there exists an inherent risk in providing his/her personal information to TSC, and TSC in turn providing that personal information to third party credit partners on Client’s behalf. Client therefore agrees to assume all risk for any breach of confidentiality or security that may occur relative thereto. Client further understands and agrees that any damages, actual or otherwise, that he/she may incur as a result thereof shall be subject to the limitations on liability as set forth in the Limited Liability clause of this agreement. Additionally, Client understands there are risks to being associated with someone else’s tradelines as an Authorized User including but not limited to the possibility of the credit partner defaulting on their tradeline, the possibility of the credit partner over utilizing their spending on their account by owing more than 15% of their tradeline, the possibility for the credit partner to sustain a credit line decrease, and the possibility for the tradeline to be closed. In any of these unexpected scenarios TSC shall issue the Client a full refund and TSC shall be subject to the limitations on liability as set forth in the Limited Liability clause of this agreement. RELEASE Client agrees to permanently and irrevocably release TSC and all of its directors, officers, employees, agents, stockholders, representatives and affiliates from any and all claims, demands, damages and liability of any kind arising from his/her use of the products and services offered and delivered by TSC, including but not limited to any actual, consequential, statutory, nominal, punitive, regulatory and other damages of any kind. INDEMNIFICATION Client shall fully indemnify, hold harmless and defend TSC and its directors, officers, employees, agents, stockholders, representatives and affiliates from and against any and all claims, actions, suits, demands, damages, liabilities, obligations, losses, settlements, judgments, costs and expenses including but not limited to attorney’s fees and costs, whether or not a third party claim, which arise out of, result from, or in any way relate to any breach of this agreement or of any legal duty owed to TSC, any misrepresentation made to TSC, or the provision of any false, fraudulent, illegal or unauthorized information to TSC, in each case without regard to any alleged negligence of either party to this agreement or any other third party, and without regard to whether such claims, actions, suits, demands, damages, liabilities, obligations, losses, settlements, judgments, costs and expenses have merit. DISCLAIMER Client understands and agrees that any and all products and services offered by TSC are intended to comply with all municipal, state and federal laws, statutes, ordinances, rules and regulations of every kind, and that TSC does not condone the use of its products and services for any unlawful, fraudulent, dishonest, unethical or otherwise harmful activity of any kind. Client agrees that any products and services he/she receives from TSC will be used only for lawful purposes, and that any unlawful, fraudulent, dishonest, unethical or otherwise harmful activity of any kind shall constitute an immediate material breach of this agreement, and that in any such event TSC shall have the absolute right to terminate this agreement, discontinue its services, and reverse any services previously performed (ie, remove the Client from any tradelines to which he/she has been added by TSC). Client agrees that in that event, any and all fees, costs and other money and funds of any kind paid to TSC shall not be refunded to Client, but shall be retained by TSC and considered to be liquidated damages for Client’s breach of this agreement. It is further understood and agreed that TSC’s damages in that event shall not be limited to the fees, costs and other money and funds described above, and that TSC does not hereby waive its entitlement to any other damages to which it may be entitled in law or equity. Client further understands and agrees that TSC reserves the absolute right to cooperate fully with any investigation that may be conducted by any municipal, state, federal or other law enforcement or governmental regulatory agency, and to comply with any subpoena or other order issued by any court of competent jurisdiction or other governmental regulatory agency. Client further agrees to indemnify TSC for any fines or other penalties of any kind that TSC may incur as a result of Client’s failure or refusal to cooperate with any such investigation. ABSENCE OF GUARANTEE Client understands and agrees that TSC cannot, and does not, make any predictions, promises, guarantees, warranties or assurances of any kind with regard to the result or effect of its services on Client’s credit score or other indicia of credit worthiness. Any expressions, statements, or representations of any kind made by TSC or its directors, officers, employees, agents, stockholders, representatives and affiliates merely reflect its/his/her best professional opinion given in good faith, and are not to be construed as predictions, promises, guarantees, warranties or assurances. Moreover, it is expressly understood and agreed that TSC may present this agreement as a defense to any such claim of prediction, promise, guarantee, warranty or assurance made by Client.
LIMITATION OF LIABILITY Client agrees that any liability on the part of TSC for any damage of any kind that may result from any alleged breach of any part of this agreement or any other act or omission alleged on the part of TSC, whether in contract, tort or otherwise, shall be limited to the amount of any fees actually paid by Client to TSC under this agreement. Client further agrees that TSC shall not be liable for the acts or omissions of any third party, including but not limited to our credit partners, without regard to whether that third party claims to be, or is in fact, acting on behalf of, at the direction of, or pursuant to any instructions or information provided by TSC.
LIMITATION OF ACTIONS Client agrees that no action, proceeding or litigation arising out of, with respect to, or in any way related to this agreement may be brought against TSC more than six (6) months after the first date upon which the basis of that action could have reasonably been discovered through the exercise of due diligence. CHOICE OF LAW AND FORUM The parties further agree that any and all actions, proceedings or litigation brought to enforce the terms of this agreement, or to otherwise resolve any disagreement or dispute arising under or with respect to this agreement, shall be initiated in San Diego County, California and shall be decided in accordance with the laws of the State of California. ATTORNEY’S FEES AND COSTS The parties agree that if any action, proceeding or litigation is brought to enforce the terms of this agreement, or to otherwise resolve any disagreement or dispute arising under or with respect to this agreement, the non-prevailing party will pay any and all attorney’s fees, costs and expenses incurred by the prevailing party in prosecuting or defending that action. NON-WAIVER It is understood and agreed that a waiver of any provision herein shall not be deemed a waiver of any other provision herein, nor shall waiver of any breach of this agreement be construed as a continuing waiver of other breaches of the same or other provisions of this agreement. Neither failure nor delay on the part of any party to exercise any right, remedy, power or privilege hereunder, nor course of dealing between the parties, shall operate as a waiver thereof or of the exercise of any other right, remedy, power or privilege. SEVERABILITY It is understood and agreed that if any part of this agreement is deemed to be invalid or unenforceable for any reason, the remainder of this agreement shall be severed from that part and shall continue in full force and effect.
ENTIRE AGREEMENT It is understood and agreed that this document sets forth the entire agreement and understanding of the parties, and supercedes all other verbal or written agreements made prior to or concurrent with this agreement. MODIFICATION It is understood and agreed that no modifications of this agreement shall be binding on either party unless reduced to writing and signed by both parties. TRADELINE ORDER Client authorizes and directs TSC to identify and add him/her to the following tradelines being purchased in this order. I HEREBY CERTIFY THAT I HAVE READ THE FORGOING AND THAT I UNDERSTAND AND AGREE WITH EACH OF THE TERMS SET FORTH ABOVE AND IN THE DISLAIMER.
NOTICE OF CANCELLATION “You the Buyer may cancel this contract at any time prior to Midnight of the 5th Day after the date of the transaction” “You also may cancel this contract, without any penalty or obligation with 5 days from the date the contract is signed” “If you choose to cancel any payment made by you under the contract will be refunded to you within 10 business days following receipt by the credit service organization of your cancellation notice.” PLEASE EMAIL A COPY TO: [email protected] OR FAX A COPY TO: 888-227-9798 ATTN:CANCELLATION DEPARTMENT
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Document Name: Service Terms & Disclosures
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