Service Agreement and Limited Letter of Authorization

 

Thank you for hiring and trusting Lynx Credit Repair, LLC d/b/a Credit Lynx, (“Credit Lynx”) to represent you. This Service Agreement and Letter of Authorization (“Agreement”) is made in the state of Ohio and constitutes the complete understanding between you (refers to both in case of a couple) and Credit Lynx (the “Services”). Pursuant to the Ohio Revised Code §4712.02(4), the credit repair organization’s principal business address and the name and address of its agent, in Ohio, authorized to receive service of process is Lynx Credit Repair, LLC d/b/a Credit Lynx, 228 Mill Street Suite 200 Milford, Ohio 45150.

 

I.  Definitions

 

A. Bureaus. The term “Bureaus” shall mean, collectively or individually, the major credit bureaus (Equifax, Experian, and TransUnion).

 

B. Furnishers. The term “Furnishers” shall mean one or more credit report information furnishers (for example, creditors, debt collectors, and banks).

 

C. Content. The term “Content” shall mean Credit Lynx’s works of authorships, including but not limited to its registered marks, copyrighted and/or proprietary material, any revisions, modifications and enhancements thereto, and any trade dress.

 

D. Communications. The term “Communications” shall mean written or electronic communications to Bureaus and/or Furnishers. Communications will be sent in accordance with your instructions and information as well as with Credit Lynx’s analysis of your credit reports.

 

E. Service Period. The term “Service Period” shall mean 5-15 days after the date of this Agreement, and monthly thereafter or the date Services end, if earlier.

 

F. Service Period Quarter. The term “Service Period Quarter” shall mean four consecutive Service Periods.

 

G. Sites. The term “Sites” shall mean the websites located at www.CreditLynx.com and Login.CreditLynx.com, and such other sites as Credit Lynx may choose to operate in connection with the Client.

 

II.  Services and Representation

 

You are enrolling in the Essentials Plus Plan (described below) as of the date of this Agreement. You may change your plan at any time simply by contacting Credit Lynx. In the event you change your plan, all terms and conditions of this Agreement will apply to your chosen plan.

 

You agree that, by signing this Agreement, you are providing Credit Lynx with “written instructions” in accordance with the Fair Credit Reporting Act to periodically obtain your credit reports from any consumer reporting agency, affiliate or third party and to use your credit reports to provide you with the Services agreed to as part of this Agreement, even though you understand that you may seek help of a nonprofit credit counseling service or even engage in doing this yourself.

You agree that, by signing this Agreement, you are providing Credit Lynx with “written permission” to share your online dashboard information to relevant parties whether provided to you or from you (e.g. real estate agent, mortgage broker, loan officer, lender, etc.) in order to provide updates on your progress.

 

Credit Lynx performs one or more of the following services before you pay: enters your personal data and one or more credit reports into its secure database; provides you with a login to access your online dashboard and to access certain informative content Credit Lynx offers its clients; collects information and instructions from you regarding your particular circumstances and how you wish to proceed; analyzes your file; and prepares and sends one or more Communications on your behalf.

 

Subsequently, Credit Lynx typically performs one or more of the following ongoing and periodic services as appropriate in its judgment and discretion: receives and reviews Bureau and Furnisher correspondence sent to us directly or by you; collects and reviews updated information and instructions from you regarding your circumstances, goals, and file; monitors and analyzes your file; provides you with status updates regarding your file; and prepares and sends one or more additional Communications on your behalf.

 

Credit Lynx cannot guarantee and you are not paying for a particular credit report outcome or result; you are paying only for Credit Lynx’s efforts on your behalf. The Bureaus or Furnishers may not respond to initial or subsequent Communications and ultimately may decide not to remove items from your consumer credit files despite Credit Lynx’s efforts.

 

Credit Lynx’s Services are designed to assist you in your efforts to ensure that your credit reports fairly and accurately reflect your credit history, and to provide you with valuable guidance as you continue to manage your credit. In order to meet your precise needs, Credit Lynx offers the following plans that may assist you in your efforts to stay on track. Regardless of the plan, Credit Lynx uses its judgment and discretion to determine the content, number and frequency of the Communications.

Communications may be sent to Bureaus and/or Furnishers up to (2) two weeks after you choose to end Services (due to variations in transit time and the period required to process a request to cancel Services). This Agreement is only for the services listed below related to your chosen plan and does not include pre-litigation or litigation services.

A.  Credit Repair Plans

Essentials Plus Plan

The Essentials Plus Plan will assist you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate and substantiated consumer credit reporting. Based upon its analysis of your credit reports and the information and instructions you provide, Credit Lynx will prepare and send Communications to Bureaus and up to two Communications to Furnishers during a Service Period on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.

Clients who select the Essentials Plus Plan for the following example number(s) of specified Service Periods have the following average number of Communications sent to Bureaus and Furnishers: (a) 1 Service Period – 2 to 4 Communications; (b) 2 Service Periods – 4 to 8 Communications; (c) 4 Service Periods – 8 to 16 Communications; (d) 6 Service Periods – 12 to 24 Communications; (e) 8 Service Periods – 16 to 32 Communications; (f) 10 Service Periods – 20 to 40 Communications; (g) 12 Service Periods – 24 to 48 Communications.

Premiere Plus Plan

The Premiere Plus Plan will assist you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate, and substantiated consumer credit reporting. Based upon its analysis of your credit reports and the information and instructions you provide, Credit Lynx will prepare and send Communications to Bureaus and up to three Communications to Furnishers during a Service Period on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.

Clients who select the Premiere Plus Plan for the following example number(s) of specified Service Periods have the following average number of Communications sent to Bureaus and Furnishers: (a) 1 Service Period – 4 to 6 Communications; (b) 2 Service Periods – 8 to 12 Communications; (c) 4 Service Periods – 16 to 24 Communications; (d) 6 Service Periods – 24 to 36 Communications; (e) 8 Service Periods – 32 to 48 Communications; (f) 10 Service Periods – 40 to 60 Communications; (g) 12 Service Periods – 48 to 72 Communications.

Exclusive Plan

The Exclusive Plus Plan will provide management tools, other Communications as requested and as applicable that leverage additional consumer protections, and personalized analysis of factors impacting credit scoring. Credit Lynx will provide at least one credit improvement analysis during a Service Period.

Clients who select the Exclusive Plus Plan for the following example number(s) of specified Service Periods have the following average number of Communications sent to Bureaus and Furnishers: (a) 1 Service Period – 7 to 10 Communications; (b) 2 Service Periods – 14 to 20 Communications; (c) 4 Service Periods – 28 to 40 Communications; (d) 6 Service Periods – 42 to 60 Communications; (e) 8 Service Periods – 56 to 80 Communications; (f) 10 Service Periods – 70 to 100 Communications; (g) 12 Service Periods – 84 to 120 Communications.

Limited Plan

The Limited Plus Plan is designed for clients with few remaining credit report items requiring Credit Lynx’s attention. This plan will provide the same services as Essentials Plus; however, the Communications sent on your behalf and in your name will be performed less frequently: Credit Lynx will send up to one Communication to Furnishers during a Service Period, and up to three Communications to Bureaus every fourth Service Period for which you engage Credit Lynx’s services. Credit Lynx will also provide one to three credit improvement analysis every fourth Service Period for which you engage Credit Lynx’s services.

Clients who select the Limited Plus Plan for the following example number(s) of specified Service Periods have the following average number of Communications sent to Bureaus and Furnishers: (a) 1 Service Period – 1 to 2 Communications; (b) 2 Service Periods – 2 to 4 Communications; (c) 4 Service Periods – 4 to 8 Communications; (d) 6 Service Periods – 6 to 12 Communications; (e) 8 Service Periods – 8 to 16 Communications; (f) 10 Service Periods – 10 to 20 Communications; (g) 12 Service Periods – 12 to 24 Communications.

 

B.  Maintenance Plans

Monitor Plan

The Monitor Plus Plan is designed to assist you in managing your credit profile, identity, and personal finances. Credit Lynx will provide you with resource tools for identity protection, daily credit monitoring, and tools for managing your personal finances. Once each Service Period Quarter, Credit Lynx will provide a credit improvement analysis of factors impacting your credit score. When applicable, the Monitor Plus Plan also assists you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate, and substantiated consumer credit reporting, but at a reduced pace. Based upon its analysis of your credit reports and the information and instructions you provide, Credit Lynx will prepare and send, as applicable, up to one Communication to Furnishers during a Service Period, and up to three Communications to Bureaus during each Service Period Quarter.

Clients who select the Monitor Plus Plan for the following example number(s) of specified Service Periods have the following average number of Communications sent to Bureaus and Furnishers: (a) 1 Service Period – 1 to 2 Communications; (b) 2 Service Periods – 2 to 4 Communications; (c) 4 Service Periods – 4 to 8 Communications; (d) 6 Service Periods – 6 to 12 Communications; (e) 8 Service Periods – 8 to 16 Communications; (f) 10 Service Periods – 10 to 20 Communications; (g) 12 Service Periods – 12 to 24 Communications.

Optimize Plan

The Optimize Plus Plan is designed for clients who have achieved their primary credit repair goals but would continue to benefit from longer-term credit report and score monitoring and analysis. This plan will provide regular notifications as well as personalized coaching regarding factors underlying credit scoring. Language within this Agreement related to Communications, Bureaus and Furnishers will not apply to the Optimize Plan.

III.  Payment and Fees

 

Credit Lynx never charges before any services are fully performed. Fees are collected on a periodic basis, but only for services previously provided. Because fees are charged after rendering services, you should expect to pay a final fee when you choose to end Services and fees are generally not refundable. Any service credit provided by Credit Lynx will be applied to services rendered and will expire upon cancellation of Credit Lynx’s Services.

 

A Service Period fee, based on the selected plan, is charged five to fifteen days from the date of this Agreement, unless otherwise instructed to do so sooner, is as follows: $259.00 for Essentials Plus; $259.00 for Premiere Plus; $259.00 for Exclusive Plus; $139.00 for Limited Plus; $99.00 for Monitor Plus; or $99.00 for Optimize Plus. This fee will be charged after related services have been fully rendered.

 

When you elect to continue additional Service Period(s) at a selected plan, you will be charged the following at the end of each Service Period, for work previously and fully rendered: $119.00 for Essentials Plus; $179.00 for Premiere Plus; $249.00 for Exclusive Plus; $79.00 for Limited Plus; $59.00 for Monitor Plus; or $59.00 for Optimize Plus. Charges will be processed on or about the same day of each month for each Service Period(s) until you elect to suspend or cancel Services. For shorter months, you agree that charges due on the thirty-first will be taken out on the thirtieth, and in February you will be charged on the twenty-eighth (or twenty-ninth on leap year) should you be setup to pay during the twenty-ninth to the thirty-first time period. For example, if a fee for Services was charged on the seventh of the month and you choose to continue for another Service Period, the fee for that Service Period will be charged on or about the seventh of the next month for work previously and fully rendered. (The specific day of the month may vary slightly due to weekends and holidays.) A final fee will be charged on the day you end Services. Depending on which payment method you have selected, fees will either be charged to your credit or debit card or drafted from your bank account.

 

You agree to pay the following late charge when payment for Credit Lynx’s Services are not honored upon first presentment by Credit Lynx to your credit or debit card company or bank: $30.00 for Essentials Plus, Premiere Plus, and Exclusive Plus; $20.00 for Limited Plus and Monitor Plus; or $10 for Optimize Plus. You authorize Credit Lynx to substitute additional payment methods provided by you in the event any fee or charge authorized by this Agreement is not honored upon first presentment by Credit Lynx. If any form of payment you supply is uncollectible for any reason, Credit Lynx may charge a dishonored payment fee of $35.00 each attempt to collect the payment due as well as a $15.00 late fee for each attempted payment that is missed and/or late. Credit Lynx may charge a $15.00 fee for changing the original monthly fee date stated in the Agreement to a different or later date. You agree not to close the bank account that Credit Lynx is authorized to withdraw payments from or provide a prepaid card. You agree not to fraudulently chargeback payments for Services rendered by Credit Lynx as a minimum chargeback fee of $500 will be assessed, including but not limited to additional fees associated with court filing fees, attorney fees, and processing fees. Should you be required to change the authorized bank account, you must notify Credit Lynx immediately and complete a New Payment Authorization form, as any interruption in the payment of Credit Lynx fees will require Credit Lynx to discontinue Services. The resulting actions undertaken by the credit card companies, collection agencies, and/or law firms against you will not be the responsibility of Credit Lynx.

 

While the amount of work performed may vary from Service Period to Service Period, your monthly fee for additionally elected Service Periods will remain the same and will be collected only for services previously and completely rendered.

Under section 4712.05(3) of the Ohio Revised Code it states that the estimated length of time must not

exceed (60) sixty days or any shorter time period prescribed by the superintendent of financial

institutions, for performing the services.

Clients who select the Essentials Plus Plan for the following example number(s) of specified Service Periods  pay Credit Lynx the following total amounts: (a) 1 Service Period – $119.00; (b) 2 Service Periods – $238.00; (c) 4 Service Periods – $476.00; (d) 6 Service Periods – $714.00; (e) 8 Service Periods – $952.00; (f) 10 Service Periods – $1190.00; (g) 12 Service Periods – $1428.00.

Clients who select the Premiere Plus Plan for the following example number(s) of specified Service Periods pay Credit Lynx the following total amounts: (a) 1 Service Period – $179.00; (b) 2 Service Periods – $358.00; (c) 4 Service Periods – $716.00; (d) 6 Service Periods – $1074.00(e) 8 Service Periods – $1432.00; (f) 10 Service Periods – $1790.00; (g) 12 Service Periods – $2148.00.

 

Clients who select the Exclusive Plus Plan for the following example number(s) of specified Service Periods pay Credit Lynx the following total amounts: (a) 1 Service Period – $249.00; (b) 2 Service Periods – $498.00; (c) 4 Service Periods – $996.00; (d) 6 Service Periods – $1494.00; (e) 8 Service Periods – $1992.00; (f) 10 Service Periods – $2490.00; (g) 12 Service Periods – $2988.00.

  

Clients who select the Limited Plus Plan for the following example number(s) of specified Service Periods pay Credit Lynx the following total amounts: (a) 1 Service Period – $79.00; (b) 2 Service Periods – $158.00; (c) 4 Service Periods – $316.00; (d) 6 Service Periods – $474.00; (e) 8 Service Periods – $632.00; (f) 10 Service Periods – $790.00; (g) 12 Service Periods – $948.00.

 

Clients who select the Monitor Plus Plan for the following example number(s) of specified Service Periods pay Credit Lynx the following total amounts: (a) 1 Service Period – $59.00; (b) 2 Service Periods – $118.00; (c) 4 Service Periods – $236.00; (d) 6 Service Periods – $354.00; (e) 8 Service Periods – $472.00; (f) 10 Service Periods – $590.00; (g) 12 Service Periods – $708.00.

 

Clients who select the Optimize Plus Plan for the following example number(s) of specified Service Periods pay Credit Lynx the following total amounts: (a) 1 Service Period – $59.00; (b) 2 Service Periods – $118.00; (c) 4 Service Periods – $236.00; (d) 6 Service Periods – $354.00; (e) 8 Service Periods – $472.00; (f) 10 Service Periods – $590.00; (g) 12 Service Periods – $708.00.

IV.  Term and Cancellation

 

You may suspend or cancel this Agreement at any time and in a number of ways, including: (a) telephoning Credit Lynx, (b) signing and mailing Credit Lynx one of the Notices of Cancellation, or (c) sending Credit Lynx a written request. Credit Lynx honors all cancellation requests without condition or charge that are sent to Credit Lynx within the first (5) five days of the date of this Agreement. It may take up to (3) three business days from the day Credit Lynx receives your request to process it. Cancellation requests sent after the first (5) five days may result in a charge.

 

The length of time you may wish to engage Credit Lynx will likely depend on a variety of factors, such as: your individual credit goals, your timely participation, the complexity of your file (e.g. the type and number of unfairly or inaccurately reported credit information subject to substantiation), initial and subsequent positions taken by a particular Furnisher or Bureau regarding an affected credit report item, new information added to your credit profile during your Services, changes to your initial credit goals, and other related factors. This Agreement continues from month to month. You are advised to review your file at least each month and determine whether you wish to continue Credit Lynx’s Services or suspend or cancel it.

 

Credit Lynx reserves the right to withdraw from representing you if you breach this Agreement or for any reason permitted under applicable professional rules of conduct. In the event Credit Lynx withdraws, you agree to pay Credit Lynx for the services rendered by Credit Lynx previous to the date of withdrawal.

Credit Lynx may have discussions with you regarding your case and in doing so may provide its opinion, in its judgment, regarding your options and possible outcomes, given the information you provide to Credit Lynx. Any expressions of opinion may not reflect an actual outcome. 

V.  Client Responsibilities and Communications

 

You agree to assist Credit Lynx in answering certain security questions regarding your identity and credit history as may be necessary to obtain your credit reports.

 

You agree to specify which credit report items Credit Lynx should challenge with Bureaus, as applicable, and the basis for such actions.

 

You will provide Credit Lynx with legible copies (not originals) of updated credit reports at least every (90) ninety days, and promptly forward to Credit Lynx copies of all correspondence you receive from the Bureaus, Furnishers, or others as the result of Credit Lynx’s efforts on your behalf. You understand and acknowledge that failure to promptly forward correspondence and updated credit reports may delay or negatively impact your file which is of no fault of Credit Lynx.

 

You agree to not apply for any type of credit until you have completed the Services, unless otherwise instructed by your specialist. If you fail to comply with Credit Lynx’s expressed requests and recommendations and apply for any credit and are denied, Credit Lynx cannot be held responsible for additional negative remarks and the direct influence this might have on your credit.

You agree to send only copies of documents, not originals, for Credit Lynx to scan, store electronically, and shred.

 

You agree to promptly inform Credit Lynx if your contact or payment information changes by calling your specialist.

 

You agree to review your file each month and determine whether you wish to suspend or cancel the Services.

 

Once Services are cancelled, you authorize Credit Lynx to destroy your file in accordance with Credit Lynx’s retention policy, excluding only those documents which are required to be retained. You may request copies of your file for up to (6) six months.

 

You agree to use the Content for your own personal benefit, and not for commercial purposes.

 

You agree and acknowledge that Credit Lynx may communicate private and confidential information with you via unencrypted email at the address you provide. You agree to promptly inform Credit Lynx if your email address changes by calling your specialist.

 

You agree that all information you provide Credit Lynx is true to the best of your knowledge.

 

You understand and acknowledge that you are not paying for, and that Credit Lynx does not make, any representation, warranty, promise or guarantee as to any particular outcome or result. You are paying only for Credit Lynx’s Services on your behalf. The Bureaus or Furnishers may decide not to remove items from your consumer credit files despite Credit Lynx’s actions.

 

You acknowledge that you intentionally hired Credit Lynx, which is based in the state of Ohio, to represent you as described in this Agreement.

You acknowledge that Communications prepared by Credit Lynx may include your account number(s) and Social Security Number in order to reference your account.

 

You understand Communications sent by Credit Lynx to Furnishers and Bureaus on your behalf will be sent in your name, and will not be identified as being sent by Credit Lynx. Copies of written Communications will be provided to you upon request. You agree to all other terms and conditions within this Agreement.

 

VI.  Credit Lynx Will Not Do Any of the Following:

 

Credit Lynx will not file your credit file in court or perform pre-litigation services on your behalf, except under a separate written agreement signed by both you and Credit Lynx. Credit Lynx assists you in contacting Bureaus and Furnishers to address items on your credit reports, but Credit Lynx does not promise or provide any specific outcome with regard to your credit history or credit report. Multiple attempts to assist you in this effort may be necessary, and should you deem Credit Lynx’s actions to be unsuccessful, you may need to seek additional legal representation regarding a particular Furnisher or Bureau.

 

Credit Lynx will not dispute accurate information within your credit report.

VII.  Staffing

 

Credit Lynx may assign various attorneys and/or paralegals, specialist, clerical staff, or others to perform work on your file. You agree services in connection with your Services may be performed by any specialist that is associated with Credit Lynx, and any such attorneys and/or paralegals, clerical staff or other assistants. There is no additional charge to you for work performed by these individuals.

 

VIII.  General

 

A. You agree to arbitrate all disputes and claims between you and Credit Lynx on an individual basis only and not as a part of any class. You agree that, by entering into this Agreement, you are waiving all rights to: (a) a trial by jury; (b) participate in a class action lawsuit or class action arbitration; and (c) bring an action against Credit Lynx in a court of law. You may individually arbitrate any claim against Credit Lynx in any jurisdiction in the United States. Credit Lynx will reimburse you up to $300 of your arbitration filing fee. The rules of the American Arbitration Association shall govern the arbitration and can be viewed online at www.adr.org or by calling 1-800-778-7879.

 

B. In the event that any provision or covenant of this Agreement shall be held invalid, illegal or unenforceable by  a court  or  arbitrator  of  competent  jurisdiction for any reason, then such provision will be severed and replaced with a new provision that most closely reflects the original intention of  the parties,  and  this  Agreement and all of its remaining provisions shall remain in full force and effect for the greatest  time period and for the broadest scope permitted by applicable  law. You  understand  and agree that your obligations under  Sections  III, V, and VIII, and any other  provision which by its nature should survive termination,  shall survive  and  remain  enforceable after termination of this Agreement for any reason without restriction or limit.

C. In the event of a conflict between any notice, policy, disclaimer or other term contained in the Sites or otherwise, the terms and conditions of this Agreement shall control.

 

D. Credit Lynx shall not be liable by reason of any failure or delay in the performance of its obligations hereunder due to any reason beyond its reasonable control.

 

E. You acknowledge and agree that the Content are the property of Credit Lynx or its licensors and suppliers and are protected by federal, state, and international copyrights laws, including the common law. Any other Content not owned by Credit Lynx that appears on the Sites is the property of its respective owner(s). All software used on the Sites is the property of Credit Lynx or its software suppliers and is also protected by federal, state, and international copyright law, including the common law. Reproduction of such Content, in whole or in part, is prohibited without prior consent.

 

F. Your telephone calls may be recorded and monitored for quality assurance. Credit Lynx may use your personal information to the extent necessary for your Services and as a lowed by Credit Lynx’s privacy policy located online at www.CreditLynx.com/privacy-policy/ and its terms of  use located online at www.CreditLynx.com/terms-and-conditions/ You may also request a copy of Credit Lynx’s privacy policy and terms of use by calling Credit Lynx. By executing this Agreement, you acknowledge you have reviewed and agree to Credit Lynx’s privacy policy and terms of use. To the extent Credit Lynx’s privacy policy or terms of use conflict with this Agreement, this Agreement shall control. Credit Lynx will not sell your information to third parties.

G. Credit Lynx shall not conduct business unless the organization has obtained a surety bond issued by a surety bond company authorized to do business in the state and all the following conditions are met: (a) a copy of the bond is filed with the Division of Financial Institutions; (b) the bond is in favor of any person, and of the state for the benefit of any person, that is injured by any violation of sections 4712.01 and 4712.14 of the Ohio Revised Code; (c) the bond number is 100381138 and is in the amount of fifty thousand dollars; (d) the bond is maintained and in effect for at least two years after the date on which Credit Lynx ceases to conduct business in the state; (e) any person claiming against the bond for a violation of sections 4712.01 and 4712.14 of the Ohio Revised Code may maintain an action at law against Credit Lynx and against the surety bond company. However, the surety company is liable only for damages awarded under division (A)(2) of section 4712.10 of the Ohio Revised Code and not for punitive damages awarded under division (A)(3) of section 4712.10 of the Ohio Revised Code; (f) the aggregate liability of the surety company to all persons injured by Credit Lynx violation of sections 4712.01 and 4712.14 of the Ohio Revised Code shall not exceed the amount of the bond. The name and address of Credit Lynx’s surety bond company is SuretyBonds.com located at 3514 I-70 Drive SE, Columbia, MO 65201. Credit Lynx is required to hold an active Credit Service Organization License through the state of Ohio and the Credit Service Organization License number is CS.900260.000. The Credit Service Organization’s principal place of business and address of its agent in this state authorized to receive service of process is located at 228 Mill Street Suite 200 Milford, Ohio 45150.

 

H. This Agreement is the entire agreement between you and Credit Lynx and supersedes all other agreements, whether made orally or in writing.

 

IX.  Limited Letter of Authorization

 

You agree that Credit Lynx may act as your non-exclusive specialist, on your behalf, for the limited purposes of:

 

(a)  requesting and receiving your consumer credit disclosures and credit reports;  

(b) disputing, challenging, or investigating with Bureaus as applicable, at your direction and within our      professional judgment, inaccurate, unfairly reported, incomplete, or unsubstantiated information on such disclosures and reports;                                  

(c)  receiving results from such inquiries and communicating them to you;                

(d)  investigating and/or verifying information provided by Furnishers to Bureaus; and

(e)  signing letters on your behalf and in your name.

 

You authorize the Bureaus and Furnishers to provide such disclosures and reinvestigation results to Credit Lynx on your behalf, via electronic means. You further agree that you will not knowingly dispute accurate information on your credit report or disclosures.

 

X.  Signature

 

I have received and had the opportunity to review the Credit Lynx Service Agreement and Letter of Authorization, which I understand is a binding contract, and agree to all its terms and conditions.

 

By providing your electronic signature, you engage Credit Lynx to work on your behalf and you agree to the following:

 

You acknowledge that you have received and agree to the terms of Credit Lynx’s ESignature and Record Disclosure, and that you have received and have had an opportunity to review a copy of the Credit Lynx Federal and State Disclosures, and Federal Notices of Cancellation.

 

You acknowledge that you have received and had the opportunity to review the Credit Lynx Service Agreement and Letter of Authorization, which you understand is a binding contract, and agree to all its terms and conditions.

Required Notice Under Federal Law: You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right

 

Credit Lynx provides you five days from the date of this Agreement to cancel without penalty or obligation.

 

For Pennsylvania Clients: Required Notice Under State Law: You, the buyer, may cancel this contract at any time prior to 12 midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

Name _____________________________________  Signature _____________________________________________  Date ______________________