Federal law requires a written agreement before we perform any credit repair services. Please read it in full, then sign below.
Credit Services Agreement
Between: Catalyst Management Solutions, a trade name of QRS 365 INC ("Company") and the client identified below ("Client").
1. Services Provided
Company will review Client's credit reports, identify inaccurate, incomplete, unverifiable, or obsolete information, and prepare written dispute correspondence for Client's review. Client is solely responsible for reviewing, signing, and mailing all correspondence.
2. No Guarantee of Results
Company does not and cannot guarantee that any specific item will be removed or corrected, or that Client's credit score will improve by any particular amount. Results vary based on individual credit history and the responses of credit reporting agencies and furnishers. Accurate, current, and verifiable information generally cannot be removed.
3. Estimated Timeline
Credit reporting agencies have 30 days to respond to a dispute under 15 U.S.C. § 1681i, or 45 days where additional information is provided. A complete dispute cycle typically takes four to eight months depending on the number of items and agency responses.
4. Your Right to Cancel
You may cancel this contract without penalty or obligation at any time before midnight of the third business day after the date on which you signed the contract. To cancel, send written notice to Company at the contact address on our website stating that you are cancelling. Company will not perform any services before that period expires unless you request otherwise in writing.
5. Your Rights Under Federal Law
You have the right to dispute inaccurate information in your credit report by contacting the credit reporting agency directly at no cost to you. You have the right to obtain a free copy of your credit report from each nationwide agency once every twelve months from annualcreditreport.com. You may sue a credit repair organization that violates the Credit Repair Organizations Act. Neither you nor any credit repair organization may permanently remove accurate and timely negative information from your credit report.
6. Client Responsibilities
Client agrees to provide accurate and complete information, to review each letter carefully before mailing, to mail correspondence via USPS Certified Mail with Return Receipt Requested, to report the mailing date through this portal, and to forward all agency responses to Company promptly.
7. Not Legal or Financial Advice
Company is not a law firm and does not provide legal advice. Nothing in this agreement or in any materials provided creates an attorney-client relationship. Client should consult a licensed attorney regarding legal questions specific to their situation.
8. Privacy and Data Handling
Credit reports uploaded to this portal are stored in encrypted storage and automatically deleted 30 days after upload. Company does not sell or share Client information with third parties. Client may request deletion of their data at any time.
9. Fees
Fees are as stated at the time of purchase and are disclosed before any payment is collected. Company does not charge for services before they are performed, consistent with 15 U.S.C. § 1679b(b).
By typing your full legal name below and clicking Sign, you acknowledge that you have read, understood, and agree to this agreement, and that your electronic signature carries the same legal effect as a handwritten one.