Credit Restoration Associates Local Offices in -  Richmond  VA             Home of Credit Repair Richmond VA Virginia, and the CRA Credit Restoration Richmond VA Virginia System, Credit Repair Richmond, VA Virginia Credit Repair. Honest Credit Restoration Repair Richmond VA  Virginia  
 
    

Terms and Conditions


CRA                                                                   Credit Management Program

Getting Started - The Steps to Improving Your Credit Profile:

_________________________________________________________________

STEP 1:  Print the eight pages of this enrollment package. Complete pages 2 through 6 and fax or mail the signed pages to us. Include a photo-copy of your Driver’s License showing your current home address. Only if the address on your Driver’s License is incorrect:  submit a phone bill and utility bill to show proof of current residence.

                          Telephone:                    804-823-9601          (Local)

                                          1-800-648-5157          (Toll Free)

 

Billing Inquiries:      804-823-9601, ext. 102       (Local)

                                         1-800-648-5157, ext. 102      (Toll Free)

 

Secure Fax:                804-767-1839

Mail:                              Credit Restoration Associates

 31 North Providence Road

 North Chesterfield, VA 23235

                                      Email:               Mail@CreditRA.com

STEP 2:  A CRA client specialist will contact you by telephone the same day we receive your enrollment package. We will review the paperwork with you at this time and go through the steps to complete the program enrollment. We will also provide instructions for you to obtain your first set of credit reports online which will enable us to go to work for you immediately.

Step 3:  During your initial case interview, you are going to set financial goals. We will also review and de-code your three credit reports, and educate you on how to read them. 

Step 4:  Once you receive your updated credit reports, send them immediately to us as time is of the essence. Keep copies of the reports for your records, but send the originals to us. Do not circle anything or write on the original reports. When the updated reports are received, your account manager will contact you to review the results, and together with you, plan the strategy for the next month.   

Step 5:  Relax and let us work. Have confidence that you hired a company well-equipped to help you to reach your financial goals. Each month, you will receive a live strategy session and a report from us which features a detailed analysis of the progression of your case.           

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CRA (05/2014)                                         Customer must receive pages 1-8 at time of enrollment                   Page 1 of  8

CRA                                                                   Credit Management Program

Client Profile

 

PLEASE PRINT CLEARLY                               CRA Representative  _____________

 

CLIENT                                                                   CLIENT’S SPOUSE/PARTNER

First __________________________        First _________________________

Middle _________________________      Middle _______________________

Last __________________________        Last __________________________

Suffix (Sr., Jr., etc.) ________________   Suffix (Sr., Jr., etc.) _________________

Maiden Name _____________________ Maiden Name ____________________

Other Name(s) Used _______________  Other Name(s) Used _________________

Marital Status ____________________   Marital Status ____________________

 

Social Sec # ____________________      Social Sec # ______________________

Date of Birth ___________________       Date of Birth _____________________

Address ______________________       Address _________________________

_____________________________       ______________________________

_____________________________       ______________________________

How Long? _____Years  _____Months     How Long? ____Years  ______Months

Previous Address(s)    (5 Years History)                    Previous Address(s)    (5 Years History)                                  

______________________________     _____________________________

______________________________    ______________________________

______________________________      _____________________________

Home Phone _(_____)_____________    Home Phone_(_____)______________

Cell Phone _(_____)______________    Cell Phone _(_____)________________

Work Phone _(_____)_____________     Work Phone_(_____)______________

Email Address __________________      Email Address ____________________

Preferred Method of Contact ________    Preferred Method of Contact __________

 

Children/Ages _________________        Children/Ages ____________________

_____________________________________________________________

CRA (05/2014)                                Customer must receive pages 1-8 at time of enrollment                        Page 2 of  8

CRA                                                                   Credit Management Program

Client Profile Page 2.

CLIENT                                                                    CLIENT’S SPOUSE/PARTNER

Employed By ____________________     Employed By ____________________

How Long?  ____ Years    ____ Months        How Long?  ____ Years    ______ Months

 

Occupation ______________________   Occupation  _____________________

Previous Employer (s)                                                Previous Employer (s)

(5 Years of Employment History)                              (5 Years of Employment History)

_____________________________    _______________________________

_____________________________    _______________________________

Briefly tell us what has been happening in your financial life and why you are seeking help from Credit Restoration Associates:  ______________________________________________________________

______________________________________________________________

Similar to a doctor asking you to rate your pain, on a scale of 1 to 10, with 10 being the most painful, rate how you are feeling about what’s going on in your finances:

 _____________________________________________________________

What do you feel needs to occur to lessen your financial pain? ________________

_____________________________________________________________

Were you recently denied credit?     Yes _______      No _______

Who issued the decline?  Specifically the lending institution (s) - (Bank of America, Walmart, Macy’s etc.) __________________________ Month and Year Your Credit Was Denied  _______________________________________________________

What are your short and long-term financial goals?  What things would you like to do once your credit is restored? Buy a house, car? _____________________________________________________________

_____________________________________________________________

During the restoration process, or once your credit is restored, are you interested in receiving financial planning advice from CRA?  If yes, at what stage of the process?  If no, why not?

Yes _____   When _______________________________________________  

No  _____    Reasons _____________________________________________

 

Start getting excited. We really enjoy helping our clients reach their goals and achieve their dreams. This program will work for you.

Who referred you to us? We would like to send a thank-you note. _______________

___________________________________________

CRA (05/2014)                                         Customer must receive pages 1-8 at time of enrollment                                  Page 3 of  8

CRA                                                                   Credit Management Program

Customer Responsibilities:

  1. DO NOT APPLY FOR CREDIT ANYWHERE. During this credit improvement process, checking your credit file will cause an inquiry, possibly lowering your credit score. If you give someone else permission to check your credit, it will result in a hard inquiry that will count against you. If there are extenuating circumstances that you would need to have your credit pulled, please consult with us for the best options. Remember, we are your personal credit coaches.

  1. PAY ALL OF YOUR BILLS ON TIME. Failure to do so will damage the positive progress we are making on your credit file, creating more recent negative information reporting on your credit reports – decreasing your credit scores dramatically.

  1. RETURN ALL CORRESPONDENCE FROM THE CREDIT BUREAUS. According to Federal Law, the Credit Reporting Agencies must send ALL information regarding the status of the dispute directly to you the customer. Without the original information. PLEASE keep copies for your records. DO NOT circle, make notes, underline or write on the original copies in any way. IT IS YOUR RESPONSIBILITY TO NOTIFY US IF YOU HAVEN’T RECEIVED ANYTHING FROM THE BUREAUS. If you do not receive anything in 60 days after the original transmittal of challenges from CRA, it is your responsibility to notify CRA in writing of the bureau’s lack of response.

  1. You MUST make sure the personal information provided has your current address that you are residing in. This includes your Driver’s License. If you have an out-of-state Driver’s License and cannot, due to circumstances, get a current one, we can still work with it. If you just have not gotten around to going to the DMV yet, go immediately. Utility bills are defined as: electric bill, water and sewage, cable television, internet, cellular telephone. A paycheck stub, bank statement and/or insurance card with your current address might also be needed.  

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CRA                                                               Credit Management Program

Contract for Services:

 

  1. This Credit Improvement Service Contract between Credit Restoration Associates “CRA” and the undersigned “Client” (refers to both in the case of a couple) is for the express purpose of purchasing credit report restoration and improvement services (the “Services”). The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the client states appears on the credit reports which the Client has furnished CRA. Federal law requires that any unverifiable, outdated or erroneous information must be removed from consumer reports by reporting agencies. CRA agrees to use its best efforts to provide the Services, and will perform them in accordance with federal and state laws.

  1. The term of this contract shall be “month-to-month”. If the client decides to cancel the Services and terminate this Contract at any time during the term of this contract, Client shall give 15 days prior written notice requesting such termination to CRA. The Client is responsible for payment of any Services previously performed by CRA up to the date of receipt of the notice to cancel such Services.

 

  1. As provided under the Federal Fair Credit Reporting Act (15 U.S.C. § 1681g); a consumer has the right to review any file on the consumer maintained by any consumer agency and receive a copy of a consumer report containing all information in that file. A copy of this report will be provided free of charge by the consumer reporting agency if requested by the consumer within thirty (30) days of receiving a notice of denial of credit. A nominal charge may be imposed on you by the consumer reporting agency for the consumer report containing all of the information in your credit file, if you have not been denied credit within 30 days from the receipt of your request. It is the consumers right to dispute the completeness or accuracy of any item contained in any file on the consumer that is maintained by any consumer reporting agency, as provided under the Federal Fair Credit Reporting Act(15 U.S.C. § 1681i).

 

  1. ***  All fees for services are case specific and will be determined after a completely free credit report review and consultation. - The Client understands that CRA will perform an audit and analysis of all three credit reports and will create a first Action Plan for a fee of $___. This fee is payable only after completion and delivery of the written Action Plan to you. This Action Plan will put in writing the steps needed to achieve your financial goals using practical knowledge of the FICO score as its basis. The action plan will also contain a full audit of all three or your credit reports and all collection agency trade lines as well as any public records.  The exact approach that we plan to take to demand correction of each of the inaccurate, unverifiable or obsolete items on each of the three credit reports will be contained in this action plan.  Except for the Credit Report Action Plan Fee, there will not be any fees or other charges associated with the Services until after completion of the first month of Services. After the first month of services associated with the Action Plan, a monthly fee of $___ will be due. The Client understands that the monthly fee includes the continuing analysis/audit of up to three credit bureau reports per client, all correspondence associated with the credit restoration process, the review for changes requested by the Client to the Client’s credit reports as a result of contacts made on the Client’s behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report repair and improvement. The monthly fee will only be billed after all work for that month has been completed by CRA and the work will continue until this contract expires or is cancelled or all work is completed by CRA. IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU.

 

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CRA (05/2014)                                          Customer must receive pages 1-8 at time of enrollment                                 Page 5 of  8


  1. CRA estimates that to implement this entire plan, which includes the Action Plan, followed by analysis and audit, and the communication between the credit bureaus and all work to remove inaccurate statements will take _________ months. If the contract needs to be extended beyond that time frame then both CRA and the Client will sign an extension of Services contract.  

  1. By executing this contract to obtain the Services of CRA, Client grants CRA during the term of this contract, a limited power of attorney, by and through its authorized representatives, to: 1) use Customer Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client’s credit reports, Client’s credit history or other creditor information for the Services; 2) obtain credit information over the telephone, fax and through the internet from record holders; 3) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. CRA acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, CRA will use its best efforts to ensure that Customer information will be handled in a responsible and professional manner. The Customer shall have the right to revoke or terminate the limited power of attorney provided under this Contract any time upon written notice to CRA. Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of Virginia. Client agrees that Client’s limited power of attorney is valid throughout the United States for all Customer Information to be obtained by CRA pursuant to this Contract by the binding and enforceable signatures set forth below. 

 

  1. This agreement is not binding and enforceable until the signed original form is received by CRA at its home office at 31 North Providence Road, North Chesterfield, VA 23235. This writing is the full and complete agreement between CRA and the customer (s) and shall not be orally amended. I fully understand my responsibility to this program and agree to the above terms as well as acknowledging that all my questions have been answered. I also acknowledge the total cost of this service as shown above.

 

  1. CRA is in compliance with the Virginia Credit Services Businesses Act and maintains the required surety bond. A client has the legal right to proceed against the bond in accordance with § 59.1-335.4. 

 

  1. You, the buyer, may cancel this contract at any time prior to midnight of the fifth (5th) business day after the date of the transaction. See attached notice of cancellation for explanation of this right.

 

  1. I have received copies of this Information Statement and Contract for Services in its entirety and have studied it in detail before signing. I have also received two copies of the notice of cancellation and a copy of the Privacy Notice for my records.

1.__________________________________________________       

2.__________________________________________________       

 

CUSTOMER(S) SIGNATURE                                             ENROLLMENT DATE

 

 

_______________________________________________________

CRA (05/2014)                                          Customer must receive pages 1-8 at time of enrollment                         
 
Page 6 of  8



Notice of Cancellation

You may cancel this contract, without any penalty or obligation, at any time prior to midnight on the fifth business day after the date the contract is signed.

 

If you cancel, any payment made by you under this contract will be returned within ten days following receipt by the CRA 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:

 

 

 

 

Credit Restoration Associates

31 North Providence Road

North Chesterfield, VA 23235

 

 

 

 

Not later than midnight on _____________________ (Date).

 

 

 

 

I hereby cancel this transaction.

 

 

 

   (Date)                                                                                            Client’s signature (s)    

 

CLIENT COPY

_____________________________________________________________  CRA (05/2014)                                          Customer must receive pages 1-8 at time of enrollment                                 

Page 7 of  8


Notice of Cancellation

You may cancel this contract, without any penalty or obligation, at any time prior to midnight on the fifth business day after the date the contract is signed.

 

If you cancel, any payment made by you under this contract will be returned within ten days following receipt by the CRA 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:

 

 

 

 

Credit Restoration Associates

31 North Providence Road

North Chesterfield, VA 23235

 

 

 

 

Not later than midnight on _____________________ (Date).

 

 

 

 

I hereby cancel this transaction.

 

 

 

   (Date)                                                                                            Client’s signature (s)    

CLIENT COPY

_____________________________________________________________

CRA (05/2014)                                          Customer must receive pages 1-8 at time of enrollment                                 

Page 8 of  8


CRA                                                                                                Credit Restoration Associates

Consumer Credit File Rights Under State and Federal Law

(As of August 7, 2008)

_____________________________________________________________

            You have the 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 the 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, if you are a recipient of public welfare, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.        

               You have the 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 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

CLIENT COPY

_____________________________________________________________

CRA (05/2014)                                                                                                                                                          Page 1 of  2

CRA                                                                       Credit Restoration Associates

Consumer Credit File Rights Under State and Federal Law

(As of August 7, 2008)

_____________________________________________________________

            You have the 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 the 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, if you are a recipient of public welfare, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.        

 

               You have the 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 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

I HAVE RECEIVED A COPY OF THE CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW.

 

 

Client Signature(s)_________________________________  Date __________

PLEASE RETURN COMPLETED FORMS TO CREDIT RESTORATION ASSOCIATES

 

 

 

 

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CRA (05/2014)                                                                                                                                                         Page 2 of  2

CRA                                                                      Credit Restoration Associates

Privacy Notice



In connection with your agreement for professional services, CRA may obtain information about you as described in this notice, which we handle as stated in this notice.


1. We collect nonpublic personal information about you from the following sources:

* Information we receive from you on applications or other forms.


* Information about your transaction with us, our affiliates or others.


2. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other companies with whom we have joint marketing agreements.  We may make such disclosures about you as a consumer, customer, or former customer.  At no time will your information be sold to any third party nor disclosed to any company or individual without a need to know that information.


3. We may also disclose nonpublic personal information about you as a consumer, customer, or former customer to non-affiliated third parties as permitted by law.


4. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

CUSTOMER ACKNOWLEDGEMENT:  I (we) received a copy of this notice on the date indicated below:

 

 

 

Client Signature(s) _________________________________ Date ___________

______________________________________________________________CRA (05/2014)                
  
                                                                                                  

CRA                                                                   Credit Restoration Associates

                           Direct Payment Authorization Form

 

Credit Restoration Associates         

31 North Providence Road. North Chesterfield, VA 23235       

Billing Inquiries:    804-823-9601, ext. 102 (Local)

1-800-648-5157, ext. 102 (Toll Free)

 

 

Initial Audit / Analysis and Action Plan: ______/_____/____    $___________


Draft for work performed during the previous month:   $__________________


Desired draft date (s)  ____________________________________________


___________________________________________________________

                                                                                  

Customer Information: 

Name (s) _____________________________________________

 

Address ______________________________________________

 

City ____________________________   State________  Zip Code ________

 

Phone  Number (s)  ___________________________________________________________

 

 

Credit Card Number ________________________   Exp. Date ______   VCode ___

 

Name of Bank: ____________________________________________________________

 

Bank Routing Number ____________________________________________  


Account Number ________________________________________________

                                            

I authorize Credit Restoration Associates to draft the above credit card, checking account, or savings account for the exact dollar amount on the date specified above.  Billing will occur only for work previously performed.


I am aware that there will be a $35.00 fee for any returned checks.

 

___________________________________________________________  


 ___________________________________________________________

Customer Signature (s)                                                    Date           

 

 

CRA                                                                  Credit Management Program




Checklist
– The Following Information Is Needed:

________    Copy of Drivers License:     ________ Husband        ________ Wife

                    (showing current home address)

 

________    Proof of Social Security Number:  ________ Husband    ________ Wife

                    

________    Utility Bill:                     ________ Husband                   ________ Wife


________    Credit Monitoring:  



         __________________________________________________

                                                                                                         User Name                                             

                                                                __________________________________________________

                                                                                                          Password                                          

                                                                __________________________________________________

                                                                                                      Security Word