Thank you for engaging the services of Credit Repair Yourself, Inc., (“Creditrepairyourselfapp.com”). This Agreement and Limited Designation of Agency (“Contract”) constitutes the complete understanding between you and Credit Repair Yourself, Inc.

I.   DEFINITIONS

  1.  Bureaus. The term “Bureaus” shall mean, collectively or individually, the major credit bureaus (TransUnion, Equifax, and Experian).
  •  Credit Repair Communications. The term “Credit Repair Communications” shall mean written or electronic communications to Bureaus and/or Furnishers. Credit Repair Communications will be sent in accordance with your instructions and information as well as with Credit Repair Yourself, Inc., analysis of your credit reports.
  •  Content. The term “Content” shall mean Credit Repair Yourself App, Inc., works of authorships, including but not limited to its registered marks, copyrighted material, any revisions, modifications and enhancements thereto, and any trade dress.
  •  Furnishers. The term “Furnishers” shall mean one or more credit report information furnishers (for example, creditors, debt collectors, and banks).
  •    Process of Repair. Import your credit reports, Select your accounts you want to repair, print your credit reports, mail your credit reports to the credit agencies.
  • FILE TERMINATION button on the settings page.  just do not want your information stored you can terminate your entire profile

II.   Credit Karma aka www.Creditkarma.com & Free Credit Score aka www.freecreditscore.com

 

Credit Repair Yourself  App, is not affiliated or connected or forced to use Credit Karma or Free Credit Score.  Credit Repair Yourself only allows users to use , Karma or Free Credit Score if and only if the user signed up on Karma or Free Credit Score along with being verified by Credit Karma and Free Credit Score’s security question process. One the user creates the users account on Credit Karma or Free Credit Score the user can then and only then put in the users credential into the import section on the Credit Repair Your Self App., to gain access to the users credit report.

 

 

 

III.   PAYMENT AND FEES

Credit Repair Yourself  App, 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 monthly fee when you choose to operate the Credit Repair Yourself App. Any service credit provided by the Credit Repair Yourself App will be applied to services rendered and will expire upon cancellation of services.

IV.  TERM AND CANCELLATION

You may cancel the Credit Repair Yourself App by emailing info@creditrepairyourselfapp.com, including: (a)

  • signing and E-mailing info@creditrepairyourselfapp.com  one of the Notices of Cancellation, Credit Repair Yourself App honors all cancellation requests without condition or charge that are sent to Credit Repair Yourself App within the first five days of the date of this Contract. It may take up to three business days from the day Credit Repair Yourself App receives your request to process it. Cancellation requests sent after the first five days may result in a charge.

The length of time you may wish to engage Credit Repair Yourself App will likely depend on a variety of factors, such as: your individual credit goals, your timely participation, the complexity of your situation (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 the period of time for which you are signed up on the Credit Repair Yourself App, changes to your initial credit goals, and other related factors. This Contract continues from month to month. You are advised to review your situation at least each month and determine whether you wish to continue Credit Repair Yourself App services or cancel.

Credit Repair Yourself App reserves the right to discontinue providing you services if you breach this Contract. In such event, you agree to pay Credit Repair Yourself App for the services rendered by the Credit Repair Yourself App to the date of discontinuation.

Credit Repair Yourself App, is only to be used by the user who has been verified in on the initial signup if a second user is trying to use the Credit Repair Yourself App and does not purchase there own Credit Repair Yourself App an immediate discontinue of service will occur.

 

V.            GENERAL

  1. ARBITRATION. You agree to arbitrate all disputes and claims between you and Credit Repair Yourself App on an individual basis only and not as a part of any class. You agree that, by entering into this Contract, you are waiving all rights to: (a) a trial by jury; (b) participate in a class action law suit or class action arbitration; and (c) bring an action against Credit Repair Yourself App in a court of law. You may individually arbitrate any claim against Credit Repair Yourself App in any jurisdiction in the United States. Credit Repair Yourself App will reimburse you up to $300 of your arbitration filing fee. The rules of the American Arbitration Association (“AAA”) shall govern the arbitration and can be viewed online at www.adr.org or by calling 1-800-778-7879.
  • SEVERABILITY. In the event that any provision or covenant of this Contract 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 Contract 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 Contract for any reason without restriction or limit.
  • CONFLICTS IN TERMS. In the event of a conflict between any notice, policy, disclaimer or other term contained in the Websites or otherwise, the terms and conditions of this Contract shall control.
  • FORCE MAJEURE. Credit Repair Yourself App 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.
  • COPYRIGHTS AND TRADEMARKS. You acknowledge and agree that the Content are the property of Credit Repair Yourself App 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 Repair Yourself App that appears on the Websites is the property of its respective owner(s). All software used on the Websites is the property of Credit Repair Yourself App 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.
  • ENTIRE AGREEMENT. This Contract is the entire agreement between you and Credit Repair Yourself App and supersedes all other agreements, whether made orally or in writing.

VI.   LIMITED DESIGNATION OF AGENCY

You agree that Credit Repair Yourself App may act as your non-exclusive agent and attorney in fact, on your behalf, for the limited purposes of:

  • requesting and receiving your consumer credit disclosures and credit reports which you will request threw the Credit Repair Yourself App.
  • The Credit Repair Yourself App will be; disputing, challenging, or investigating with Bureaus as applicable, at your direction and within the Credit Repair Yourself App’s  automated judgment, inaccurate, unfairly reported, incomplete, or unsubstantiated information on such disclosures and reports;
  • You will review the credit repair that is printed on the printer you set your Credit Repair Yourself App to, if there are any inaccurate data or something is not correct as an app or program error please email: info@creditrepairyourselfapp.com
  • The Credit Repair Yourself App is only acting as a credit repair software for you the user to use and repair your credit, if at any time you feel the Credit Repair Yourself App is not safe or just do not want your information stored you can terminate your entire profile by 1 push of FILE TERMINATION button on the settings page.

VII.  SIGNATURE

I have received and had the opportunity to review the Credit Repair Yourself App’s Agreement and Limited Designation of Agency, which I understand is a binding contract, and agree to all its terms and conditions.

By providing your electronic signature, you are using the Credit Repair Yourself App to repair your credit which the Credit Repair Yourself App is just a tool to simplify the Credit Repair process.

You acknowledge that you have received and agree to the terms of Credit Repair Yourself App’s E-SIGN Agreement, and that you have received and have had an opportunity to review a copy of the Credit Repair Yourself App’s federal and state disclosure statements and notices of cancellation.

You acknowledge that you have received and had the opportunity to review the Credit Repair Yourself App’s Agreement and Limited Designation of Agency, 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 Repair Yourself App’s provides you five days from the date of this Contract to cancel without penalty or obligation.