terms and services

UTurn Credit Advisors, Inc. will facilitate educational classes in various forms.  The types of classes include one-on-one meetings, teleconferences, online seminars, and/or other programs as necessary.  These educational classes will be offered on a month to month basis and are designed to educate our clients so they can reestablish their creditworthiness.  UTurn Credit Advisors, Inc will also assist clients to identify and remove obsolete, erroneous, and/or inaccurate line items from their credit reports (i.e., Trans Union, Experian, and Equifax) during the month to month period beginning on the date of this Agreement.

DISCLOSURE STATEMENT
Description of Services
UTurn Credit Advisors, Inc agrees to 1) evaluate Customer’s current credit reports as listed with applicable credit reporting agencies; 2) provide an action plan as to  the necessary steps to be taken on the part of the Customer in conjunction with UTurn Credit Advisors; 3) identify any inaccurate or obsolete information contained in the Customer’s credit reports; 4) serve as the Customer’s agent to prepare all necessary correspondence in dispute of inaccurate or obsolete information in Customer’s credit report; and 5) initiate process with creditors to resolve the Customer’s credit reports within fourteen (14) days of UTurn Credit Advisors, Inc receipt of correspondence from the credit reporting agency.
You have the right to cancel your contract with UTurn Credit Advisors, Inc for any reason within five (5) working days from the date the contract is signed.  If for any reason, you cancel the contract during this time, you do not owe any money.  You have the right to sue a credit services organization if that organization misleads you.  The Federal Trade Commission regulates credit agencies and credit repair organizations.  For more information, contact the Federal Trade Commission. 

TERMS & CONDITIONS

1. This agreement is not binding and enforceable until received and accepted by UTurn Credit Advisors, Inc.
2. The term of this Agreement shall be for a period of six (6) months.
3. Payment is due at time contract is signed.
4. Outstanding balances (if applicable) are due as soon as Customer receives results from the credit reporting agency’s investigation letters and prior to UTurn Credit Advisors, Inc sending additional correspondence to the credit reporting agencies on the Customer’s behalf.
5. All UTurn Credit Advisors program clients are responsible for paying the fee (as listed on the front of this Agreement) with fifteen (15) days of settlement as a result of refinancing their home.  The Customer will be held responsible for this amount whether they settle with current lender or another Mortgage Lender within nine (9) months of signing this Agreement.
6. Customer agrees and /or understands:
   1. To provide UTurn Credit Advisors, Inc. with a copy of all correspondence received from credit reporting agencies or creditors relating to credit report entries which are subject matter of this subscription by virtue of the credit report entries challenged by UTurn Credit Advisors, Inc for verification of accuracy. If you do not receive any correspondence within sixty (60) days, notify the Corporate Office.
   2. Not to contact credit reporting agencies (Experian, Equifax, and Trans Union) for any reason.  Not to apply for any type of credit, i.e. credit cards, car loans, or secured financing during the period of this Agreement without a seven (7) day written notification to UTurn Credit Advisors, Inc and an opportunity on the part of UTurn Credit Advisors Inc to consult with Customer with regard thereto.
   3. To provide to UTurn Credit Advisors Inc within fourteen (14) days of receipt thereof, all correspondence received from credit reporting agencies by Customer.
   4. By signing below, you are authorizing UTurn Credit Advisors Inc to release your credit information for the purpose of your debt analysis.
   5. That the results obtained by UTurn Credit Advisors Inc on behalf of Customer are dependent on numerous factors including but not limited to Customers ability to repay debts and loans, cooperation of Customer’s creditors, and the ability of credit reporting agencies to verify information provided to them by UTurn Credit Advisors, Inc on behalf of Customer.
   6. That accurate information may not be removed unless it is listed after the lawful time period.
7. UTurn Credit Advisors, Inc agrees:
   1. To provide credit education classes to Customer.
   2. To evaluate Customer’s current credit reports as listed with applicable credit reporting agencies and to identity inaccurate, erroneous, or obsolete information.
   3. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with UTurn Credit Advisors, Inc to dispute any inaccurate, erroneous, or obsolete information contained in the Customer’s credit reports.
   4. To prepare all necessary correspondence in dispute of inaccurate, erroneous, or obsolete information in Customer’s credit reports.
8. Returned Check Policy:
   1. A Customer who has a returned check will be charged a $25.00 handling fee.
   2. A Customer who has a prior returned check with UTurn Credit Advisors Inc will be required to pay replacement check and all additional payments by Money Order.
9. Refund Policy:
   1. UTurn Credit Advisors Inc will not refund Customer payments if Agreement is cancelled after five (5) days from the date this contract is signed.  (See first page of this document for date.) 
   2. UTurn Credit Advisors Inc will refund up to 50% of monies collected in the event UTurn Credit Advisors Inc has failed to meet its obligation as outlined in Description of Services.
10. Payment Default: UTurn Credit Advisors Inc will not be obligated to continue to work on behalf of Customer if balance is not paid within fifteen (15) days of Customer’s receipt of rescored credit reports unless approved by UTurn Credit Advisors Inc management.
11. Collection: Customer must agree to pay all collection fees and attorney fees associated with the collection of any past-due amounts.
12. Hold Harmless:
    1. UTurn Credit Advisors Inc will be held harmless of any and all claims that may arise from this Agreement as it relates to the Customer’s credit scores.  Therefore, UTurn Credit Advisors Inc is not held responsible for a Customer who negatively impacts their payment history and/or whose credit scores do not significantly increase due to Customer not following our recommendations as listed in the Descriptions of Services.
    2. Customer will hold harmless and indemnify UTurn Credit Advisors Inc for any litigation or action that may be taken by a third party as a result of this program. 

​NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, at any time before midnight of the fifth (5th) day, which begins after the date that you sign this Agreement.  If you cancel, any payment made by you under this Agreement must be returned within fifteen (15) days following receipt by UTurn Credit Adivors Inc of your cancellation notice.  Any security interest arising out of the transaction will be canceled.
If you cancel, you must make available to the seller at your residence, in substantially the same condition as when received, any goods delivered to you under this Agreement or the terms of the sale; or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller’s expense and risk.
If you do make the goods available to the seller and the seller does not pick them up within twenty (20) days of the date of your notice of cancellation, you may retain or dispose of the goods without any further obligation.  If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for the performance of all obligations under this Agreement.