Customer Agreement

The CreditRefresh Service offered by Mortgage Help Center is administered by Sterling Credit Group (SCG), a reputable organization specializing in credit repair and enhancement services. Through this collaboration, Mortgage Help Center provides its clients with a comprehensive solution for improving their credit profiles, leveraging SCG’s expertise in challenging and verifying credit report items in accordance with the Fair Credit Reporting Act. This partnership ensures that clients receive a seamless and effective credit restoration experience, ultimately helping them achieve their mortgage and financial goals.

This agreement outlines the terms and conditions between the customer and SCG (Sterling Credit Group). The customer agrees to provide personal credit information and notify SCG of any changes in address. The customer will pay a $79 first work fee and $120 monthly for six months (or $60 biweekly for six months), totaling $799.

SCG will review and challenge items on the customer’s credit reports that the customer believes to be inaccurate, incomplete, obsolete, or unverifiable. SCG will submit challenge letters within 3-10 business days of receiving credit information from the customer. There is no guarantee of improvement in the customer’s credit history or FICO score.

The customer grants limited power of attorney to SCG for the purpose of preparing and signing documents challenging and verifying information with credit bureaus. SCG may release the customer’s general information for the purpose of offering their services regarding credit enhancement. SCG ensures the confidentiality and security of client information.

The customer has rights and responsibilities under state and federal law, including the right to dispute inaccurate information on credit reports and sue credit repair organizations that violate the Credit Repair Organization Act. Clients must also fulfill certain responsibilities, such as providing accurate personal information and forwarding correspondence from credit bureaus to SCG.

The agreement may be canceled within three business days without penalty. If the customer’s credit profile is not improved within one year, the customer may be entitled to a refund of the consultation fee.

The customer also agrees to a loan from SHF Finance to cover the cost of services, repaying the loan in biweekly or monthly installments. The customer authorizes SCG and SHF Finance to charge their debit or credit card for the selected service amounts and dates.

This agreement or contract is not binding and enforceable until received and accepted by Sterling Credit Group at its home office in Denison, TX. This writing is the full and complete agreement between SCG and the customer and shall not be orally amended. Processing will be handled by Sterling Credit Group, 3621 Pottsboro Rd. #132, Denison, TX 75020 (214) 592-8820.

CUSTOMER AGREES TO:

1. Provide SCG with personal credit information, credit bureau reports, and/or authorizes SCG or its designee to obtain credit reports on customers behalf.
2. Immediately notify SCG of any changes of address.
3. Identify in writing any accurate negative information which you believe to be true, so that we can be sure not to dispute such item/items as per the Fair Credit Reporting Act.
4. Immediately forward all correspondence received from the credit reporting agencies to SCG or its designated agent, and to notify SCG if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence.

CUSTOMER COST AND PAYMENT:

The customer shall pay a $79 first work fee for consultation, processing and ordering of all bureaus plus $120.00 a month for 6 months or $60 biweekly payments for 6 months, equaling $799. Payment will not be processed until services are rendered. Customer acknowledges that they have the right to verify by contacting SCG. If we do not better your credit profile by the end of the one (1) year contract term with 7 minimum disputes, you have not had any new derogatory items on your credit and you have done as the contract states; we will refund your entire consulting fee at the end of the year term.

SERVICES TO BE PREFORMED BY SCG:

During the evaluation and initial challenge process, SCG will review all credit information provided by the customer and prepare letters challenging items appearing on the customer’s credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverifiable as per the Fair Credit Reporting Act. SCG will submit transmittals of challenge letters within 3 to 7 business days, but not exceed 10 business days of receipt of credit information from customer, after which, these evaluation/initial challenge services shall have preparation of follow-up challenges as per the Fair Credit Reporting Act and transmittal of the same. SCG agrees only to challenge items under the Fair Credit Reporting Act. SCG makes no guarantee concerning the improvement of the customer’s credit history or FICO score, as both are dependent upon many factors beyond our control. This contract is valid for one(1) year from the date of signed contract. Should SCG be unable to improve a customer’s credit profile, the customer shall be entitled to a refund of the consultation fee at the end of the one(1) year term including a minimum of 7 disputes. I understand and agree to the above stated terms of service and payment. Any questions concerning your personal credit profile may be answered by contacting Sterling Credit Group at (214) 592-8820.

LIMITED POWER OF ATTORNEY:

I do hereby grant a limited power of attorney to Sterling Credit Group and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax, Experian and Transunion.

PRIVACY DISCLOSURE NOTICE:

I authorize Sterling Credit Group to release my general information, such as my name, telephone number and current address for the sole purpose of offering their services in regards to enhancing my personal credit profile. I understand that the business name above has no liability in this matter and is acting solely as the distributer of my general information at my request. I agree that Sterling Credit Group is authorized to release my information from time to time regarding the status of my total number of public records, total number of inaccurate credit amounts in my credit report and details of my credit restoration.

CONFIDENTIALITY & SECURITY OF CLIENT INFORMATION

SCG retains records relating to professional services that we provide so that we are able to assist you in your needs. To safeguard your personal information we maintain physical, electronic, and procedural methods that comply with our professional standards. If you have any questions, please contact us at 214-592-8820 because your privacy and our professional ethics are most important to us.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have the right to dispute inaccurate information on your credit report by contacting the credit bureaus 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 up to 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 rental dwelling because of information on 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. Credit bureaus are required to follow reasonable procedures to insure 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 investigate 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 to you.

CLIENT RIGHTS & RESPONSIBILITIES

Client Rights

• To be treated with respect and dignity & be provided with courteous, professional care without discrimination.
• To have access to information concerning your credit.
• To expect that communication and records pertaining to his/her credit are confidential and will be protected as such.
• To communicate any questions or suggestions about the services we are providing.

Client Responsibilities

• To provide us with the most accurate updated personal information regarding your credit file in a timely manner. Example: address, contact info, marital status, etc.
• To check ALL of your mail, including junk mail, throughout the process and forward your credit information onto our office.
  • Please be aware that the credit reports may look like JUNK MAIL. If you have not received your credit reports and/or fail to forward them onto our office, you will not only lose time for your credit restoration but it will prolong the investigation.
• To immediately forward all correspondence received from the credit bureaus; Experian, Equifax and Transunion.
  • Note: Please make copies of any credit report before sending to SCG, as we are unable to send ANY information out of our office once received.
• To inform us if credit investigation reports have not been received within thirty(30) to forty-five(45) business days.
• To remain PRO-ACTIVE during your year of service with us.
• To ask questions and seek clarification regarding your credit needs.
• To return all emails, text messages, letters and/or phone calls requiring information and/or questions regarding your credit restoration.
• To act in a respectful and considerate manner with our customer service.
• To fulfill financial obligations for services rendered.
• To understand and follow the directions as explained above.

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 contract is signed. If you cancel, any payment received by Sterling Credit Group will be returned within 10 days following receipt by the seller of your cancellation notice. To cancel this contract, fax or deliver a signed and dated copy of this cancellation notice, or any other written notice to: Sterling Credit Group, 3621 Pottsboro Rd. #132, TX 75020 – Fax (214) 592-8821

CUSTOMER ACCEPTANCE & ACKNOWLEDGEMENT OF CREDIT RESTORATION SERVICES

For quality and legal purposes it is necessary for Sterling Credit Group to have each client initial beside each of the below listed items to confirm that they received all of the following information. It is very important that our clients receive, read and understand all information provided to them by SCG and its representatives.

We Will Order All 3 Credit Bureau Reports:

• Experian
• Equifax
• Transunion

In order to do this we MUST have a copy of:

• Valid government issued DL, ID or passport (If address is current on DL/ID, only 1 other document is needed for proof of residence.)
• Social Security Card
• Two (2) proof of residence documents (dated within 60 days): bank statement, pay stub, canceled check, water, gas, electric, trash, cell phone, home phone/internet bill, cable and stamped PO Box receipt.

These items must be given to your salesperson, mailed, emailed or faxed ASAP to the address above. Until received, the process cannot move forward. You should receive all 3 bureau reports in no more than 15 days. IF YOU DO NOT, you must call the office immediately at (214) 592-8820. After receiving your reports, we will dispute all items immediately. All results will be mailed directly to you in approximately 36 to 45 days. If you do not receive them, you must call the office at (214) 592-8820. When you do receive the results please forward them to our office, immediately. If everything is not removed, we will continue to dispute any remaining adverse items within the contract term. (THIS IS AN ONGOING PROCESS.) If you do not forward the bureaus or contact us, we will take for granted everything was removed and you were happy with the results. You should receive NEW BUREAU REPORTS approximately every 36 to 45 days after a dispute. Mark this on your calendar.