Federal Disclosure and Lease Agreement
Federal Disclosure Statement
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
Broker does not represent, warrant or guarantee to lessee, either expressly or impliedly, that the addition of lessee as an authorized user by the owner of one or more credit card accounts shall result in an improved fico credit score for lessee or a specific result from a lender, to include higher credit limits or more favorable loan terms, as those terms are decided by continuously changing variables and are at the sole discretion of the lender.
Owners, employees or agents from EzeCreditServices will, from time to time, make referral recommendations by directing our site visitors, clients, and/or prospects to companies who meet our rigorous standards for high quality customer service and ethical business practices, and whose services are complimentary and relative to our own. We will do this on a very limited basis because each affiliate/recommended company will be highly scrutinized in every way possible to ensure that desired results are nothing less than stellar. We do not, and cannot, however, guarantee the services of these companies and in no way do we make assertions to the contrary. Therefore, all site visitors, clients, and/or prospects agree to hold EzeCreditServices and its partners, owners, employees and agents harmless for any and all actions taken by our recommended companies/affiliates. In addition, let it be made very clear that the owners/operators of EzeCreditServices do make a small commission for the referral of business to these companies
AUTHORIZED USER LEASE AGREEMENT
This Authorized User Lease Agreement (“Agreement”) is intended to be a binding agreement made Friday, August 05, 2022, by and between EzeCreditServices LLC, hereinafter referred to as “ECS”; and the undersigned client (hereinafter “Client”), hereinafter referred to as “Lessee”. By signing this agreement, Client certifies that he/she is at least 18 years of age, that the information he/she has provided to ECS is true and complete, that he/she is legally authorized to enter into this agreement and authorize the actions of ECS as set forth herein, and that he/she will not use any of the services of ECS or any information provided by ECS for any unlawful purpose.
NOW, THEREFORE, in consideration of the mutual covenants, promises, representations, and warranties contained in this Agreement, the parties hereto agree as follows:
Proof of Non-Performance:
If you purchased a tradeline that you believe has not posted, please wait until it has been at least 7 days past the estimated reporting date listed.
Once it has been at least 7 days past the estimated reporting date please create a free CreditKarma.com and Experian account.
Confirm the following:
(Note: Credit Karma only updates their data every 7 days so you must confirm that your Credit Karma account has been updated at least 7 days past the estimated reporting date of the tradeline.)
If you are able to confirm both of these points above, then you may request a refund on that tradeline.
Instructions On Requesting A Refund
All refund requests must be in writing. Please send us an email to
Info@EzeCreditServices.com with the following information:
Our refund department will confirm this information within two (2) business days and contact you. The refund department is closed on
weekends. Requests made after 14 calendar days following the first expected reporting cycle will receive store credit equal to amount paid by
604 E Front Street
City, State & Zip Code E-mail Address: Info@EzeCreditServices.com
Clayton, NC, 27520
All notices that are required or permitted to be given by the parties hereunder may be made by: electronic mail; hand delivery; by first class mail, postage prepaid; or, by certified mail, return receipt requested, to the individuals identified above at the addresses set forth above. Either party may from time to time designate in writing substitute persons or addresses to which such notices shall be sent.
YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD WORKING DAY AFTER THE DATE YOU SIGN THIS AGREEMENT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
NOTICE OF CANCELLATION
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED AND DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE, TO
EZECREDITSERVICES, L.L.C (Name of Seller)
212 S Tryon St. Suite 1440
Charlotte, NC 28281 (Address of Seller)
604 E Front St
PO Box 103
Clayton, NC 27520 (Place of Business)
NOT LATER THAN MIDNIGHT
I HEREBY CANCEL THIS TRANSACTION.
Date Buyer's Signature
Leave this empty:
Your legal name
Your email address
Signed by EZE CreditServices
Signed On: August 6, 2022
If you have questions about the contents of this document, you can email the document owner.
Document Name: Federal Disclosure and Lease Agreement
Agree & Sign