s • • SW I QD · • • i • • • • qd credit- maxx • • ...

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Welcome to Credit-Maxx! S O L D• s a •

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Many Americans face financial struggles due to highinterest rates. Consequentially, this could be a directresult of ERRONEOUS CREDIT HISTORY AND LACK OF

Your Name:AWARENESS ABOUT ONE'S CREDIT CHOICES.

As a result, Credit-Maxx helps clients exercise theirlegal right to d ispute inaccurate, unverifiable, and Email Address:incomplete credit report information as outlined underthe Fair Credit Reporting Act (FCRA).

In addition, our model is designed to increase client Phone Number:education and awareness towards repairing new andpositive credit.

Credit-Maxx kn ows how t o di s pute your c redit Best time to contact you?

reports in a way that complies with the rules andregulations of th e C redit Repair Organization Act

(CROA) I. Submit

Credit-Maxx is comm i t ted t o 100ala cli e n t

satisfaction . Our focus is making sure we do our

job ethically and effectively!

Proud Member of the National AssociationIf there's not enough time in the day t o f o l lowthrough with repairing your credit — Let Credit of Credit Services Organizations

Maxx do the repair process for you! Saving time and research is what we do!

As a Credit Service Organization, Credit-Maxx is compliant with state (TX) and federal laws.

z individual results will vary. 1 leniher Of

DA L L A S R E G IO N A L C H A M B E R '

P FREE Consultation!

~N o Hassle Services!Affiliate Partner

9 24/7 Online Account View!I NFOARMQOR.

9 100% Money Back Guarantee!'10 L N T I T Y P R OT L' C' T I 0 ib L X P L R T S

+Significant Program Cost-Savings!

~B onded and insured

*Credit-Maxx G uarantees — in Writing — t o R e move I n accurate, Unverifiable, and

Incomplete information Under the Fair Credit Reporting Act, OR Issue a 100<l>o Refund!

Credit-Maxx is Red Flag Compliant

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Information About Credit Scores

Copyright 2010 Credit-Maxx. All Rights Reserved.Credit-Maxx does not provide tax, legal or financial advice. Individual results may vary.

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Free Business Listin s!

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Welcome to Credit-Maxx! S O L D• s a •

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Many Americans face financial struggles due to highinterest rates. Consequentially, this could be a directresult of ERRONEOUS CREDIT HISTORY AND LACK OF

Your Name:AWARENESS ABOUT ONE'S CREDIT CHOICES.

As a result, Credit-Maxx helps clients exercise theirlegal right to d ispute inaccurate, unverifiable, and Email Address:incomplete credit report information as outlined underthe Fair Credit Reporting Act (FCRA).

In addition, our model is designed to increase client Phone Number:education and awareness towards repairing new andpositive credit.

Credit-Maxx kn ows how t o di s pute your c redit Best time to contact you?

reports in a way that complies with the rules andregulations of th e C redit Repair Organization Act

(CROA) I. Submit

Credit-Maxx is comm i t ted t o 100ala cli e n t

satisfaction . Our focus is making sure we do our

job ethically and effectively!

Proud Member of the National AssociationIf there's not enough time in the day t o f o l lowthrough with repairing your credit — Let Credit of Credit Services Organizations

Maxx do the repair process for you! Saving time and research is what we do!

As a Credit Service Organization, Credit-Maxx is compliant with state (TX) and federal laws.

z individual results will vary. 1 leniher Of


P FREE Consultation!

~N o Hassle Services!Affiliate Partner

9 24/7 Online Account View!I NFOARMQOR.

9 100% Money Back Guarantee!'10 L N T I T Y P R OT L' C' T I 0 ib L X P L R T S

+Significant Program Cost-Savings!

~B onded and insured

*Credit-Maxx G uarantees — in Writing — t o R e move I n accurate, Unverifiable, and

Incomplete information Under the Fair Credit Reporting Act, OR Issue a 100<l>o Refund!

Credit-Maxx is Red Flag Compliant

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Home [ How Credit Re air Works [ Fre uentl Asked u estions [ Contact Us

Information About Credit Scores




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WHY Credit-Maxx? • t s •• •

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Every time you apply for credit, creditors obtainyour credit record to either validate an approvalor reject an application. However, the use of Your Name:

reports has broadened. Insurance companies as

well as e m ployers use t hem t o de t erminepremiums or deny employment. Email Address:

Fixing bad c redit scores, while possible forconsumers to do on their own, is a process. It' slike changing oil in a car; do you change it on Phone Number:your own or hire a professional service?

Credit-Maxx i s sta f fed a n d com m i t ted t operforming the legwork for you. We help pull Best time to contact you?

credit reports, review errors, and, a long withdocumentation, send out dispute letters. Best of •all, we offer 24/7 client tracking software.

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Credit-Maxx guarantees — IN WRITING — ifwe cannot remove inaccurate, unverifiable,and incomplete credit reporting we' ll refund100a/o of all charges.

Proud Member of the National Associationof Credit Services Organizations

CREDIT REPAIR ORGANIZATONS ACT.

llenrher 0/The credit bureaus are not obligated to root out errors and provide accurate information. Theirjob is to record the information presented to them by creditors. Therefore, the practices of DA L L A S R E G IO N A L C H A M B E R '

Credit-Maxx are in compliance with all state and federal laws.

PLEASE READ: Credit-Maxx will NEVER suggest or imply that clients get a new credit identity.We will neither ask you to apply for an Employer Identification Number, which has the samenumber of digits as a Social Security number, nor instruct you to apply for credit using this and Affiliate Partner

a different address. This practice, known as file segregation, is a federal and state felony.

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How Credit Repair Works 's •• •

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The three major credit reporting agencies are Equifax (CSC Credit Services), Experian andTransunion. These are multi-million dollar corporations that operate for profit. They are not affiliatedwith the government in any way and make their money by selling personal information to creditors.

Your Name:In addition, major credit agencies also sell to employers and landlords as well as to telemarketersand mailing list companies without one's permission.

The point is that these big corporations do not have consumers' best interest in mind. They will Email Address:admit that errors exist on credit bureaus, but they go on to state that it is not their job to ensurethe information is accurate. It is up to the consumer to prove that their report is inaccurate.

WHAT CREDIT-MAXX OFFERS Phone Number:The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds ofregulations that credit reporting companies, collection agencies and credit bureaus must complywith in order for any reported item to remain on one's report.

Best time to contact you?

When Credit-Maxx receives a client's file, a skilled credit analyst reviews the report to determinewhich items can be challenged and the best way to dispute and improve one's credit profile.

SubmitWithin 35 to 45 days after disputing inaccurate, unverifiable, and incomplete reports, the creditbureaus respond with a summary that shows the results of each challenge made. While individualresults vary, optimum results occur between months eight and 12. In most cases, using a creditrepair service may increase credit scores in as lit tle as 45 to 90 days.

Proud Member of the National AssociationHOW WILL I RECEIVE THE CREDIT REPORTS?

The three major credit bureaus mail credit reports to client's mailing address. After receiving the of Credit Services Organizations

bureaus in the mail, we ask that client's follow the instructions we provide by mailing, emailing, orfaxing all correspondence from the credit reporting agencies to our office as soon as possible.

THE DETAILSThe credit restoration service we provide utilizes state-of-the-art technology to track client progress 1 leniher Of24/7.

D A L L A S R E G IO N A L C H A M B E R '

Clients can rely on our extensive knowledge of the Fair Credit Reporting Act and the Fair DebtCollections Practice Act. Our service assist in removing inaccurate, unverifiable and incompleteinformation from your credit reports with all three major credit reporting agencies. Such items mayinclude:

Affiliate Partner

• Bankruptcies• ju dgments• Slow Pays I NFOARMQOR.• Foreclosures ~~>

I 0 L N T I T Y P R OT L' C' T I 0 ib L X P L R I 5• Repossessions• Tax Liens• Charge Offs C

• Inquiriesr

• Civil Liens• Medical Bills• Old Information• Late Payments• Student Loans• And More. . . .

Fixing negative credit reports, while possible for consumers to do on their own, is a process. It's likechanging oil in a car; do you change it on your own or hire a professional service?

Credit-Maxx is staffed and committed to performing the legwork for you. We help pull creditreports, review errors, and, along with documentation, continue the disputing process till we get theresults outlined under the Fair Credit Reporting Act!

We charge a o ne- t ime fee and m o nthly payment t hat g uarantees credit repair

under FCRA and CROA compliance. Credit-Maxx service includes identity theftinsurance.

GIVE US I /o OF YOUR TRUST AND WE' LL EARN THE REST!

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Identity Theft Assurance • t I •• •

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Your program success is our top priority. Withidentity theft occurring in one out o f everythree Americans, Credit-Maxx recognizes the Your Name:

importance of preserving your results. For thatreason, we o f fer i ndustrial grade protectionmonitored by InfoArmor. Email Address:

InfoArmor's SNAPD Identity Monitoring can beused to assess a client's risk of identity theft ormonitor identity health on an ongoing basis. For Phone Number:the c l ients o f Cred i t -Maxx t hi s adde dinsurance means we can do our job successfullywithout identity theft setbacks.


SNAPD Identity Monitoring

SNAPD Monitoring is a comprehensive solution Submitthat m o n itors o v e r 1 bill i o n co nsumertransactions and more than 700 b i l l ion datapoints to uncover security concerns, fraudulentb ehavior, and identity t hef t u p t o 9 0 d a yssooner than credit monitoring.


PrivacyArmor is industrial strength identity protection and includes:

• Industry-leading SNAPD Identity Monitoring• Actionable identity alerts llenrher Of• Certified Privacy Advocates DA L L A S R E G IO N A L C H A M B E R '

• $25,000 identity fraud expense policy

When credit repair results matter most, Credit-Maxx takesit a step further by ensuring a resolution is in place shouldidentity thieves decide to attack your good name and credit! Affiliate Partner

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Frequently Asked Questions • t I •• •

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1. How often should I expect to get mail from the credit bureaus?

Every 35 to 45 days you should expect to get an updated credit report.Your Name:

2. What should I do with the mailed credit reports that I get from the creditbureaus?

Email Address:

Make copies and send it to us via fax, 888-742-6013, mail to 7616 LBj Fwy., Suite 625 Dallas,Texas 75251 or scan and email credit reports to customerservice credit-maxx.com

Phone Number:3. What can you take off of my credit bureau report?

In compliance with the Fair Credit Reporting Act, and Credit Repair Organization Act, we canchallenge unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, Best time to contact you?

foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slowpays, old addresses and all incorrect names.

Submit4. Will the accounts you take off my credit bureau report ever come back?

g 611. Procedure in case of disputed accuracy [15 U.S.C. g 1681i] — (Fair Credit Reporting Act)

(5) Treatment of Inaccurate or Unverifiable Information Proud Member of the National Associationof Credit Services Organizations

A. In general. If, after any reinvestigation under paragraph (1) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or cannot beverified, the consumer reporting agency shall

1. promptly delete that item of information from the file of the consumer, or modify thatitem of information, as appropriate, based on the results of the reinvestigation; and

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2. promptly notify the furnisher of that information that the information has been modified DA L L A S R E G IO N A L C H A M B E R '

or deleted from the file of the consumer.

B. Requirements Relating to Reinsertion of Previously Deleted Material

1. Certification of accuracy ofinformation. If any information is deleted from a consumer' s Affiliate Partnerfile pursuant to subparagraph (A), the information may not be reinserted in the file by theconsumer reporting agency unless the person who furnishes the information certifies thatthe information is complete and accurate. I NFOARMQOR.

2. Notice to consumer. If any information that has been deleted from a consumer's filepursuant to subparagraph. lOLNTITY VROTL'C'TIOib LXVLRTS

C. is reinserted in the f i le, the consumer reporting agency shall notify the consumer of thereinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

5. Who are the three Credit Bureaus?

Experian, Transunion, Equifax /CSC Credit Services.

6. How long does information remain on my report?

Credit bureaus report credit information for a period of seven (7) years. Some states havespecial provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13Bankruptcies are each reported for 10 years and the date is measured from the date of thefiling.

7. Why do Credit Bureaus not want me to use a Credit Repair Company?

The credit bureaus will tell you that it is easier and less expensive to do it yourself. While itmay be true that you have the right to repair your credit yourself, many individuals do not havethe time, experience and organizational savvy necessary to deal with bureaucracies. You mustalso spend hours of study to gain a working knowledge of the consumer laws available to you.

8. How long would it take Credit-Maxx to repair my credit?

There is no definite answer, only definite advantages as the time varies depending on the initialcredit status of each customer. On average it takes between 90 to 180 days for Credit-Maxxto repair your credit.

9. How does a Credit Bureau make money?

A credit bureau is a commercial business. It makes money by selling your credit report toothers. A person with bad credit means more business for them as such a person applies forcredit about ten (10) times more than a person with good credit.

10. Who can see my credit report?

Anyone who wants information for a business transaction between you and them may obtainyour credit report. This may include an insurance company, a prospective landlord, a

prospective employer, a collector or a government official.

ll . How does Credit-Maxx do this legally?

Credit-Maxx adheres to all state and federal compliances. We are state licensed and bondedand insured up to $10,000.00.

SEC. 404. PROHIBITED PRACTICES (Credit Repair Organization Act), a credit repair organizationmay not:

(4) engage, directly or indirectly, in any act, practice, or course of business that constitutes orresults in the commission of, or an attempt to commit, a fraud or deception on any person inconnection with the offer or sale of the services of the credit repair organization.

12. Do you guarantee your service?

Yes! Credit-Maxx guarantees — IN WRITING — if we cannot remove inaccurate, unverifiable,and incomplete information as outlined within the Fair Credit Reporting Act, we will refund allset-up fees and monthly charges!

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Contact Us • t I •• •

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Credit-Maxx Not O nly Helps Clients Repair Credit Reports as Outl ined under the Fair CreditReporting Act, we also Build Lasting Relationships that Embrace Integrity and Trust!

Your Name:Credit-Maxx7616 LBj Fwy., Suite 625Dallas, Texas 75251United States Email Address:

Toll Free: (888) 748-7878Fax: (888) 742-6013info Credit-Maxx.com Phone Number:


Name:

Address:Submit

City:

State:

Proud Member of the National AssociationZip:

of Credit Services Organizations

Email: (Required)

Telephone:

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DA L L A S R E G IO N A L C H A M B E R 'Questions/Comments:

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Credit Score Information • t I •• •

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Who Started the Credit Score?

Fair Isaac and Company is a California based company founded in 1956 by Bill Fair and Earl Isaac.They started the field of credit scoring for financial institutions. They have grown to cover decision Your Name:

systems analysts and consulting. All credit agencies and most lenders figure your credit score usingsoftware from Fair Isaac and Company. The end result is a Fico Score also known as a BeaconScore. Email Address:

What is a Fico or Beacon Score? Phone Number:

The credit score represents the risk a lender may have in extending you credit. There are severalparameters in your credit score, including length of credit history, number of open accounts, loans,mortgages, public records and others, and they are formulated to make up a score between about Best time to contact you?300 and 950. Usually a lending institution will use your credit score with other factors whendetermining your risk factor.

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What is Prime, Alternative A, Subprime and Hard Money (3ilted Loans)

If your score is 680 or above, you are considered to be Prime and can get the lowest interest rate.This means that you should not have a problem getting the best interest rate on a loan. Another p

Proud Member of the National Associationmajor factor could be debt to income, which means the amount of debt you have in comparison to

of Credit Services Organizationsthe amount of income you make. Oo you have the income to pay back the loan?

If your score is 620-679, you are considered Alt A. This will give you an interest rate a little higherthan Prime.

If your score is 500-619, you are considered Subprime. This will give you an even higher interest 1 leniher 0/rate.


If your score is 500 or below, you will probably get a Hard Money or jilted Loan. You may still beable to get a loan, but you will have to pay fees and a much higher interest rate. THIS IS NO PLACETO BE. A low score can keep you from getting insurance or even a job.

(This information is based on mortgage information in March 200B.) Affiliate Partner

I NFOARMQOR.How Much Does a Low Fico or Beacon Score Cost You?

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Credit Cards

If you fall in the Subprime or j i l ted category, getting a good rate on a credit card is out of thequestion. If you do get a credit card, you may be hit with high interest rates, upfront set-up fees,reoccurring monthly fees and cash deposits.

Auto Loans

Your payments on an automobile will go through the roof with bad credit. Here are examples.

$20,000 auto loan over 5 years

Category Interest Rate Payment Total Cost After 5 Years

Prime 7o/o $405 $24,300

Subprime 14o/o $477 $28,620

Hardy Money (jilted) 21o/o $557 $33,420

Home Loans

$100,000 mortgage over 30 years

Category Interest Rate Pay m e nt Total Cost After 30 Years

Prime 6 Spo/o $632 $228,625

Alternative A 7 Spo/o $699 $251,715

Subprime 100/o $877 $315,925

Hard Money (jilted) 140/o $1,184 $426,553

Having a low score can cost you thousands of dollars.

How Do They Calculate a Credit Score?

Different credit bureaus calculate your Fico or Beacon Score slightly different. Each credit bureaumakes the score their own and gives it a different name.

Equifax calls the score a Beacon Score, Experian calls it a Fair Isaac Score and Transunion calls it anEmpirica Score. Every time something changes on your bureau, your score will change. A lot ofinformation is used to calculate your score; however, there is no formula that has ever been givento the public. Lenders will look at your score along with your income and the kind of loan you areapplying for to determine interest rates.

What Factors Affect Your Credit Score?

1. Payment History: is 35'/o of your score. (Payment history is determined by if you pay youraccounts on time.) Payment history includes any loan that you have had to make monthly paymentson. For example, auto loans, mortgages, credit cards, department stores and finance companies.

Late Payments: If you are late on an account it can eventually turn into a collection account orpublic record. These may include bankruptcies, lawsuits, liens, collections, wage attachments andjudgments. These are very serious accounts and hurt your score dramatically.

• Security: how delinquent is the payment? Have you been 30, 60, 90 or 120 days late? Is itstill outstanding? Paying on time will raise your Beacon or Fico Score greatly.

• Recent history- How long ago where you delinquent? Are you still delinquent? Current late

payments can hurt your score by 100 points.• Prevalence- How many obligations do you have? What percentages of your accounts are late

now?

2. How Much You Owe is 300/o of your score: Does your income allow you to make your

payments and pay your home bills on time and still have money to spend on every day activities?

What type of account is it? Different kinds of credit accounts are figured differently. Credit cards aredifferent than home loans in factoring your score or determining if you apply for a loan.

It is important to look at how much you owe total. A lot of accounts with small balances may hurtyou because you could run up those balances at anytime. If you have not used a card in many

years, it is good to close it. Paying off your credit cards every month is good. Try to keep theamount of credit cards you keep down to a minimum. Three or four open credit cards are a goodamount to have.

If you have high balances on your credit cards and are close to your limit, it is affecting your score,even if you have made your payments on time. Lenders do not want to see high balances because itshows that you may not have the money to pay anymore than the minimum payment.

3. Amount of Time Credit Has Been in Use is 150/o of your score: The longer you have had

credit, the better the score as long as the credit you have has been in good standings. This meansthat older people that have always had good credit will probably have higher scores than someonewho is younger with good credit, but young people can still have a good credit score.

It is important to look at how long have you had an account and how long has been in the creditreport. The average age of your accounts are taken into considerations when calculating your score.You must also use the accounts that you have. If it has been many years since you have used an

account, it may not hold much of a score. Using the accounts you have will help your score.

4. Inquiries are 100/0 of your score: It is easier to obtain credit these days via mail, internet andmany other ways. Every time you give someone permission to run your credit and you get aninquiry, and it can lower your credit score. Mortgage and auto loans are treated differently forexample auto loans made within 14 days are counted as one.

There are no good inquiries. Every time you fil l out a credit application, you get one or moreinquiries. Too many inquiries look bad. Even though there are no good inquiries, there are neutralones that don't hurt your score.

Pre-approval inquiries are when a potential lender has looked at your credit to determine whether

they want to offer you a loan. These are not factored in to your score, but once you fill out anapplication with the lender, it will show up to be a bad inquiry that does hurt your score.

Periodic Review inquiries are when lenders periodically review your credit to see if there are anymajor changes. If they see a major change in your score they may close your account. These arealso not supposed to be factored into your credit score.

Inquiries can show a lender how often you are trying to open up new accounts and how recent thoseattempts were.

Primary consideration is given to the following:

• Number of inquiries in last six months• Number of trade lines opened in the last year• Number of months since most recent inquiry

How inquiries are computed is somewhat complex and they should be avoided if possible.

S. Types of Credit Experience are 10 0/o of your score: It's good to have a d iverse mix ofaccounts. Having installment accounts, retail accounts, credit cards and a mortgage is good. Sincethis is only worth 10% of your score, it is not a big factor but can help. Do not go out a try to opendifferent kinds of accounts because a bad mix may hurt you and lower your score.

IMPROVING YOUR CREDIT SCORE:

Now that you know how your score is calculated, you can begin making changes.

1. Pay your bills on time. This sounds simple, but this is the biggest thing you can do to keepyour score high. Delinquent payments and collections have a major negative impact on yourscore.

2. Keep your balances low on unsecured revolving debt like credit cards. High balances stillowed can affect a score.

3. The amount of unused credit is an important factor in calculating your score. You should onlyapply for credit you need.

4. Make sure the information on your credit report is correct. If it is not, dispute it with theBureau Company or lender directly.

5. Removing negative accounts on your credit report has the biggest impact on your score.Generally negative things can stay on your credit for 7 to 10 years. But you can hire aprofessional credit repair service to do it for you.

Much success,

Credit-Maxx!

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Privacy Policy • t s •• •

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Remember, any information you enter w il l not b e s old or g iven to any outsideorganization for its use in its marketing or solicitations.

Your Name:At Credit-Maxx, we recognize and respect the importance of maintaining the privacy of ourcustomers and members. Our referral service has become successful by earning and buildingupon the trust of consumers and the companies that we work with. Your trust is important to us

Email Address:and we are ethical about our privacy policy.

• We respect the privacy of our users and we do not collect information about our userswithout their knowledge. Phone Number:

• Whenever information is collected, we will inform you.• We do not disclose information about specific individuals to any unrelated third party.

Credit-Maxx uses your personal information solely to assist you. All information received from Best time to contact you?this site is stored in a secure database. So far so, that if an individual does not sign up for our

program, we destroy any personal information they have sent us. We do not sell contactinformation to other parties or agencies.

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If you feel that we are not abiding by this privacy policy, you should contact Credit-Maxximmediately via telephone at (888) 748-7878.


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Disclaimer • t I •• •

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Credit-Maxx is a Texas Professional Corporation, doing business solely within the state ofTexas. All information provided is based on Federal Law and Texas State law. You may haveother rights and remedies dependent on where you reside. Credit-Maxx is engaged in the Your Name:

practice of business exclusively in Texas.

The information contained within the site is for general informational purposes only and doesEmail Address:

not constitute legal advice. The site contains information that is not reflective of any particularset of factual circumstances and is thus devoid of the thoughtful analysis and review of specificfacts by an attorney that is required in providing legal advice. THE ARTICLES AND MATERIALSDISPLAYED ON THE SITE ARE FOR INFORMATIONAL PURPOSES ONLY, THIS IS NOT A Phone Number:SUBSTITUTE FOR PROFESSIONAL AND SPECIFIC LEGAL ADVICE. THIS INFORMATION SHALL IN

NO WAY AND IN NO MANNER BE CONSIDERED LEGAL ADVICE OR OTHER PROFESSIONALADVICE OR A SUBSTITUTE THEREFORE. Your continued use of the site is predicated upon youragreement that a n y r e l iance upon an y s uch m a terials, op inion, advice, s tatement, Best time to contact you?

memorandum, or information shall be at your sole and own risk. Credit-Maxx reserves theright, in its sole discretion, to modify or correct any errors or omissions in any portion of thesite. Submit

Credit-Maxx makes no guarantee or warranty of outcome. It is impossible for Credit-Maxx tomake any prediction of a certain outcome, as the results of each case vary.

Please note that some states may have other rights and remedies available that we will not beable to provide you assistance with. Proud Member of the National Association

of Credit Services Organizations

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QDCREDIT- MAxx

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Terms of Use • t I •• •

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This agreement is entered into between CRLK llc, dba "Credit-Maxx" a Texas ProfessionalCorporation, and the party ("You") utilizing the www.Credit-Maxx.corn Web Site (" Site" ).Your use of this site is your express and explicit agreement to be bound by this agreement, Your Name:

commonly referred to as the "Terms of Use" ("TOU"). If you do not agree to be bound by thisagreement, you must not use this site and must leave the site immediately.

Email Address:CRLK llc, dba "Credit-Maxx" agrees to post information and provide you access to the site onlyin accordance with this TOU.

You agree to be bound by all the terms and conditions set forth in this TOU and as otherwise Phone Number:displayed on the site.

You agree that CRLK llc, dba "Credit-Maxx" makes no warranty or guarantee that the site andthe information contained therein shall be available at any particular time, and that the site may Best time to contact you?be unavailable completely or partially from time to time.

The information contained within the site is for general informational purposes only and doesnot constitute legal advice. The site contains information that is not reflective of any particular Submit

set of factual circumstances and is thus devoid of the thoughtful analysis and review of specificfacts by an attorney that is required in providing legal advice. THE ARTICLES AND MATERIALSDISPLAYED ON THE SITE ARE FOR INFORMATIONAL PURPOSES ONLY, THIS IS NOT A

SUBSTITUTE FOR PROFESSIONAL AND SPECIFIC LEGAL ADVICE. THIS INFORMATION SHALL IN

NO WAY AND IN NO MANNER BE CONSIDERED LEGAL ADVICE OR OTHER PROFESSIONAL Proud Member of the National AssociationADVICE OR A SUBSTITUTE THEREFOR. CRLK llc, dba "Credit-Maxx" makes no warranty and of Credit Services Organizationsdoes not represent nor endorse the accuracy of any advice, opinion, statement, or otherinformation displayed on the site. Your continued use of the site is predicated upon youragreement that a n y r e l iance upon any s uch m a terials, op inion, advice, s tatement,memorandum, or information shall be at your sole and own risk. CRLK llc, dba "Credit-Maxx"reserves the right, in its sole discretion, to modify or correct any errors or omissions in any llenrher Ofportion of the site.


CRLK llc, dba "Credit-Maxx" cannot and does not guarantee that information that you providewill remain confidential. Because the internet is an imperfect medium there remains a risk thatcommunications sent over the internet are subject to interception by a third party who may usesuch information for unanticipated reasons. As such by your continued use of the site, you agreethat CRLK llc, dba "Credit-Maxx" is not responsible for and will not be liable to you or any third Affiliate Partner

party fo r d amages in c onnection w ith communications sent over t h e i n ternet. Thesecommunications may include but are not l imited to i n formation such as, your personalinformation, name, address, social security number and other financial information. You further I NFoARMQOR.agree that by simply sending information to CRLK llc, dba "Credit-Maxx" no professional, I 0 (: N T I T Y P R OT L' C' T I 0 ib L X P L R T Sconfidential, fiduciary, and contractually implied or any other relationship is created between

you and CRLK llc, dba "Credit-Maxx" other than those described in this TOU and any othersubsequent written agreement entered into between CRLK llc, dba "Credit-Maxx" and you.

In accordance with our pr ivacy policy, CRLK llc, dba "Credit-Maxx" may collect certaininformation about you that may be used for marketing purposes. Such information may beshared with other organization as detailed in our privacy policy.

The content and information presented on the site is protected by U.S. Copyright laws, andother relevant intellectual property laws and is the sole intellectual property of CRLK llc, dba"Credit-Maxx" Permission is given to view the content on this site for personal use only. Anynon-personal or commercial use of the information presented on this site is expressly prohibited

and is a violation of these laws and will be prosecuted accordingly. Prior written consent by anofficer of CRLK llc, dba "Credit-Maxx" is required prior to any non-personal use of this site.

CRLK llc, dba "Credit-Maxx" reserves the right to restrict or terminate one's use of the site in

part or in whole for any reason or for no reason, at any and all times. Your use of the site isgranted on an as is available basis, subject to the discretion of CRLK llc, dba "Credit-Maxx".

CRLK llc, dba "Credit-Maxx" reserves the right to modify, alter, amend, change, delete orotherwise manipulate the information and/or data presented on the site at any time withoutnotice.

You warrant and agree that you will not in any way present obstacles and/or hindrances toother users by: posting, transmitting or distribution any information that contains a virus or isnot relevant.

You agree to indemnify, defend and hold the CRLK llc, dba "Credit-Maxx" te am and all itsofficers, directors, owners, agents, employees, information providers and affiliates (collectivelyreferred to as the "Indemnified" ) harmless from and against any and all l iability and costsincurred by the Indemnified in connection with any claim arising out of any breach by you ofthese Terms of Use or the foregoing representations, warranties and covenants, including,without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably requiredin the defense of any c laim. CRLK llc, dba "Credit-Maxx" reserves the r ight, at i ts o wnexpense, to assume the exclusive defense and control of any matter otherwise subject toindemnification by you and you shall not in any event settle any matter without the prior writtenconsent of CRLK llc, dba "Credit-Maxx".

Should any part of the Terms of Use by declared invalid or unenforceable by a court ofcompetent jurisdiction, this shall not affect the validity of any remaining portion and suchremaining portion shall remain in full force and effect as if the invalid portion of the Terms ofUse had been eliminated.

Your digital signature may be required in portions of the site. YOU AGREE THAT YOUR DIGITALOR ELECTRONIC SIGNATURE IS EQUIVALENT TO YOUR HANDWRITTEN SIGNATURE AS

PROVIDED UNDER LAW.

You agree that this site, the information provided, the Terms of Use and all other agreementsare given and made pursuant to California law. THESE TERMS OF USE AGREEMENT SHALL BE

GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF

CALIFORNIA, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVEjURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THISTERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATEDIN THE STATE OF CALIFORNIA. FEDERAL LAW REQUIRES US TO PROVIDE YOU WITH THE

FOLLOWING MANDATORY DISCLOSURE STATEMENT. THIS S TATEMENT I S P R OVIDEDNUMEROUS TIMES THROUGHOUT THE SITE AND IS ALSO PROVIDED IN YOUR INTRODUCTORYEMAIL.

You have a right to dispute inaccurate information in your credit report by contacting the creditbureau directly. However, neither you nor any credit repair organization has the right to haveaccurate, current, and verifiable information removed from your credit report. The credit bureaumust remove accurate, negative information from your report only if i t i s over 7 years old.Bankruptcy information can be reported for 10 years.

You have a r ight to obtain a copy of your credit report from a credit bureau. You may becharged 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 withinthe preceding 60 days. The credit bureau must provide someone to help you interpret theinformation in your credit file. You are entitled to receive a free copy of your credit report if youare unemployed and intend to apply for employment in the next 60 days, if you are a recipientof public welfare assistance, or if you have reason to believe that there is inaccurate informationin your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair OrganizationAct. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reasonwithin three business days from the date you signed it.Credit bureaus are required to follow reasonable procedures to ensure that the information theyreport is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy ofinformation in your credit file. 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 givento the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you maysend a brief statement to the credit bureau, to be kept in your file, explaining why you thinkthe record is inaccurate. The credit bureau must include a summary of your statement aboutdisputed information with any report it issues about you.

The FTC advises that only time, a conscious effort, and a personal debt repaymentplan can improve your credit report. The first step is to learn what information is in yourcredit report. If you f ind errors or mistakes, federal law gives you the right to have themcorrected — free of charge. Federal law requires that the nationwide consumer reportingcompanies — Equifax, Experian, and TransUnion — provide you with a free copy of your creditreport once every 1 2 m o n ths, i f y o u as k f o r i t . T o or de r y ou r f r ee r e port, v isitannualcreditre ort.com, call 1 -877-322-8228, or complete and mail the Annual CreditReport Request Form. Other credit repair information is available on the FTC's Web site,htt : www . f tc . ov .

The Public Reference Branch

Federal Trade CommissionWashington D.C. 20580

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