Credit Repair Contract

Credit Repair Contract
Welcome Milica Radmanovic!
Enclosed you will find the Customer Credit Repair Agreement for your services with CREDIT REPAIR OF
FLORIDA. We have begun setting up your file and are excited to see you as a customer. Please review this
document and when you are ready and in complete agreement, please initial and e-sign this document
wherever it is required.
PLEASE TEXT, FAX OR EMAIL OR FROM YOUR PERSONAL PORTAL PLEASE UPLOAD THE
FOLLOWING LEGIBLE COPIES OF: (IN PDF FORMAT)
1. Copy of ID, preferably your driver’s license (cannot be expired).
2. Copy of your social security card or a copy of any Document with your social security number
on it Such as: W-2, or any documentation sent to by a government agency
3. Copy of your current utility bill, it must contain the same address and be in the name of client
that will sign this agreement (not necessary if you provide a social security document with
your current address)
CREDIT REPAIR OF FLORIDA PRIVACY POLICY

The types of personal information we collect and share depend on the product or service you have
with us. This information can include: Specific product or service needs, Social Security Numbers,
Credit Profile, Address & Payment Information
All financial companies need to share personal information to run their everyday business. In the
section below, we list the reasons financial companies can share their personal information; the
reasons chooses to share; and whether you can limit this sharing
Reasons we can share your info

1. For our everyday business purposes— such as to process your transactions, maintain your
account(s), respond to court orders and legal investigations, or report to credit bureaus.
2. For our marketing purposes— to offer our products and services to you.
3. For joint marketing with other financial companies.
4. For our affiliates’ everyday business purposes— information about your transactions and
experiences.
5. For our affiliates’ everyday business purposes— information about your creditworthiness.
Do we share your info?

1. Yes, we share your info with necessary parties to help facilitate the products and services that
you have contracted for.
2. We share your info with vendors that assist us in offering various opportunities to you.
3. We occasionally share information with other financial and non-financial entities.
4. Yes, we share your info with affiliated parties to help facilitate your goals.
5. Yes, we share your info with affiliated parties to help facilitate your goals.
CREDIT REPAIR OF FLORIDA | 1511 E SR 434, SUITE 2001, Winter Springs, FL 32708 | Phone : (407) 734-3426 | Fax : (888) 977-3620 Page 1
Can you limit this sharing?

1. Yes, you can opt out of receiving any marketing from us for any products other than the
products or service you have contracted for.
2. Yes, you can opt out of any non-essential sharing with third parties.
Please note if you are a new customer we can begin sharing your information from the date we sent this notice.
When you are no longer our customer, we continue to share your information as described in this notice.
However you can contact us at any time to limit our sharing.
Should you wish to opt out of our sharing of your information pursuant to the guidelines set forth above please
contact (407) 734-3426 or creditrepairofflorida@gmail.com.
Customer Credit Repair Agreement

This Customer Credit Repair Agreement (“Agreement”) is made and effective on 1/13/2022 by and between
CREDIT REPAIR OF FLORIDA (“Company”) and Milica Radmanovic(“Customer”).
NOW, in consideration of the promises contained herein, the parties agree as follows:
Definitions.
As used herein, the following terms shall have the meanings set forth below:
"Products" shall mean the following Company's services to be sold by Company
Terms and Conditions.

Description of Service, “See Exhibit A”
The specific services, warranties, payment terms, and total cost are set forth in the client disclosure statement
incorporated herein for all purposes
Affiliate Service Provider.

The Company has the option of fulfilling the credit services through a third party to best serve you. For an
explanation of how the Company handles your information in such circumstances see the attached privacy
policy.
Term and Termination.

Term. This Agreement shall continue as outlined in “Exhibit A” unless terminated by company as provided
herein. Thereafter, this Agreement shall continue until terminated by conditions provided within this agreement.
Termination for Cause. Either party may terminate this Agreement upon giving the other party ten (10) days
notice.
Limitation on Liability.
In the event of termination by either party in accordance with any of the provisions of this Agreement, neither
party shall be liable to the other, because of the termination for compensation or reimbursement or damages on
account of the loss of prospective profits or anticipated sales or on account of expenditures, investments, leases
or commitments in connection with the business or goodwill of Company.
Confidentiality.
Client acknowledges that by reason of its relationship to the Company hereunder it will have access to certain
information and materials concerning Company's business plans, Customers, technology, and products that is
confidential and of substantial value to Company, which value would be impaired if such information were
disclosed to third parties. Customer agrees that it shall not use in any way for its own account or the account of
any third party, nor disclose to any third party, any such confidential information revealed to it by Company.
Company shall advise Customer whether or not it considers any particular information or materials to be
confidential.
Governing Law and Jurisdiction.

This Agreement shall be governed by and construed according to the laws of the State of Florida.
Entire Agreement.
This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter
herein and supersedes any prior discussions or agreements between them. No modification of or amendment to
this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing and
signed by the party to be charged.
Notices.
Any notices required or permitted by this Agreement shall be deemed given if sent by Certified mail, postage
prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; At its
principal place of business or if to Customer, at the aforementioned address.
Severability.
If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining
provisions shall nevertheless remain in full force and effect.
Dispute Resolution.
In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement
or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any
determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in
USA County, State of Florida or in the county in which the consumer resides in accordance with the Laws of the
State of Florida for agreements to be made in and to be performed in Florida. The parties agree that the
arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and
procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and
shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be
subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court
having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party
may petition the circuit court for enforcement. The parties agree that either party may bring claims against the
other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or
representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of
more than one person's claims, and may not otherwise preside over any form of representative or class
proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. In the event a party fails
to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the
arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to
compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right
to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except
for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited
by the arbitrator. This section and the arbitration requirement shall survive any termination.
Headings.
Headings used in this Agreement are provided for convenience only and shall not be used to construe meaning
or intent.
Conducting of Business Electronically, Consent to be Contacted.

Customer agrees, unless specifically requested otherwise, that by entering into transactions with Company,
Customer affirms consent to receive, in an electronic format, all information, copies of agreements and
correspondence from Company and to also send information in an electronic format unless previously agreed
upon in writing with Company. Customer has a right to receive a paper copy of any of these electronic records if
applicable law specifically requires us to provide such documentation. Customer’s withdrawal of his or her
consent to conduct business electronically can only occur if applicable law specifically requires Company to
provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company
can complete certain steps in transactions with Customer and delivering services to Customer. To inform
Company that Customer either withdraws Customer’s consent to receive future notices and disclosures in
electronic format, would like to receive paper copies, or to update Customer information, Customer may send
such request to: CREDIT REPAIR OF FLORIDA 1511 E SR 434, SUITE 2001, Winter Springs, Florida, 32708 .
Customer acknowledges and agrees that the internet is considered inherently insecure. Therefore, Customer
agrees that Company has no liability to Customer whatsoever for any loss, claim, or damages arising or in any
way related to Company’s responses to any electronic communication, upon which Company has in good faith
relied. At all times, Customer maintains the sole obligation to ensure they can receive Company’s electronic
communications, and access them on a regular and diligent basis. Customer also agrees to be contacted by
telephone on Customer’s landline and/or cell phone by Company irrespective of whether the Customer’s
telephone number appears on any state or federal “Do Not Call” lists. Customer further agrees that Company
may use a computerized dialing system to contact Customer via telephone or SMS text and Customer may use
a pre-recorded message when contacting Customer via telephone or SMS text. Customer understands that his
or her consent to be contacted does not require Customer to purchase any goods or services from Company.
To inform Company that Customer either withdraws Customer’s consent to receive communications from
Company as described directly above, or to update Customer information, Customer may send such request to
the address listed directly above for Company.
Client Obligations & Agreement.
[initial|req|signer2||customerInitial] Customer will return, along with signed agreement, a copy of their driver’s
license, social security card, and a recent Utility bill (if necessary) showing the correct address (phone bill, gas
bill, electric bill, etc.).
[initial|req|signer2||customerInitial] Customer agrees to obtain initial credit reports, with scores, from all three
credit bureaus (Equifax, Experian and TransUnion) and understands that Company will not proceed with
services until the initial credit reports are received by the Company. Customer also agrees to keep a credit
monitoring subscription for the duration of this contract. Both obtaining an initial credit report and keeping a
monthly credit monitoring subscription in good standing are NON-NEGOTIABLE.

Customer agrees to share copies of any correspondence from the three major credit bureaus (Equifax, Experian
and TransUnion), any third party collection agencies and any creditors with CREDIT REPAIR OF FLORIDA
immediately upon receiving them as this is very important to the credit repair process.
[initial|req|signer2||customerInitial] Customer agrees to maintain on time monthly payments of their current

credit obligations (i.e. – car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those
payments will result in severe damage to the results obtained by CREDIT REPAIR OF FLORIDA.
[initial|req|signer2||customerInitial] Customer agrees to contact CREDIT REPAIR OF FLORIDA on any

questions regarding their credit INCLUDING inquiries or questions regarding applying for consumer credit.
[initial|req|signer2||customerInitial] If the Customer was referred to CREDIT REPAIR OF FLORIDA by a referral

partner, the Customer hereby expressly consents to CREDIT REPAIR OF FLORIDA, sharing data concerning
the status and results of the credit restoration process with the aforementioned referral partner.
[initial|req|signer2||customerInitial] Customer agrees to payment terms and conditions as chosen in Exhibit A,

which is incorporated into this agreement.
[initial|req|signer2||customerInitial] if the Customer fails to complete the payment schedule any and all refunds
are forfeited, with the exception of a Customer cancelling the Agreement within 5 business days of the
Customer’s entering into this Agreement.
[initial|req|signer2||customerInitial] Customer understands that results vary on a case-by-case basis and that
CREDIT REPAIR OF FLORIDA provides a service and has no control over removal of negative items on the
credit report. Only Credit Reporting Agencies have control over results.
[initial|req|signer2||customerInitial] Contract is for 12 months (Standard Plans) or 6 months (Premium Plans)

from the start date of the agreement based upon initial credit reports being received. Either party may cancel
this at any time with 10 days notice, sent in written format at which point there will be no cancellation fee or
obligation to pay the remainder of the contract.
[initial|req|signer2||customerInitial] Customer will not be charged any advance monthly service fees for any
Services (See Exhibit “A” for Explanation of Fees), rather such fees will only be charged by the Company to the
Customer upon the Company’s completing the services for the Customer.
[initial|req|signer2||customerInitial] Company will not remove any accurate information (defined as accurate
information appearing on the Customer’s credit report), nor will Company assist Customer on improving
Customer’s credit rating or record. Only Credit Reporting Agencies have control over this.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above
written.
You may cancel this contract without penalty or obligation at any time before midnight of the 5th
business day after the date on which you signed the contract.
By: Milica Radmanovic

(Customer name)
By:[sig|req|signer2|Consumer Signature|Consumer_ID]
(Customer Signature)
Date:[date|req|signer2||customerSignatureDate]
(Date of Customer Signature)
By: Camille Hewwing

(Company Reps Name In Print)
By:[sig|req|signer1|CRO Signature|CRO_ID]
(Company Rep Signature)
Date: [date|req|signer1||croEmpSignatureDate]
(Date of Company Reps Signature)
TO:
CREDIT REPAIR OF FLORIDA
1511 E SR 434, SUITE 2001
Winter Springs, Florida, 32708
Phone: (407) 734-3426
Fax: (888) 977-3620
E-mail: creditrepairofflorida@gmail.com
NOTICE OF RIGHT TO CANCEL
You may cancel this contract, without penalty or obligation, within 5 business days after the date your
enrollment payment is received.
Beyond the 5th business day of enrollment you may cancel this contract at any time providing you notify Credit
Repair of Florida in writing of your intention to cancel service. If you decide to cancel you will be obligated to
pay for any services performed prior to cancellation. You will be expected to pay for theses services performed
immediately upon notice to cancel. These services include on-boarding fee, credit report audit/review, file/portal
setup fee, dispute letter drafting and mailing, file updating and phone calls to creditors on your behalf. Upon
approved cancellation, payment of performed services will be due immediately.
If you cancel, any payment made by you under the contract will be returned within Ten (10) business days after
the date of receipt by the seller of your cancellation notice.
To cancel this contract, email, mail, fax, or deliver a signed dated copy of this cancellation notice or other written
notice, to CREDIT REPAIR OF FLORIDA at above address or company email address, not later than midnight
of the 5th business day after your enrollment payment is received.
I hereby cancel this transaction:

(Customer name)
By: ______________________ Date: ____________________
(Customer Signature) (Date of Customer Signature)
*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*
TO:
CREDIT REPAIR OF FLORIDA
1511 E SR 434, SUITE 2001
Winter Springs, Florida, 32708
Phone: (407) 734-3426
Fax: (888) 977-3620
E-mail: creditrepairofflorida@gmail.com
NOTICE OF RIGHT TO CANCEL
You may cancel this contract, without penalty or obligation, within 5 business days after the date your
enrollment payment is received.
If you cancel, any payment made by you under the contract will be returned within Ten (10) business days after
the date of receipt by the seller of your cancellation notice.
To cancel this contract, email, mail, fax, or deliver a signed dated copy of this cancellation notice or other written
notice, to CREDIT REPAIR OF FLORIDA at above address, not later than midnight of the 5th business day
after your enrollment payment is received.
I hereby cancel this transaction:

(Customer name)
By: ______________________ Date: ____________________
(Customer Signature) (Date of Customer Signature)
*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*
DISCLOSURE STATEMENT
CREDIT REPAIR OF FLORIDA shall, upon the start of agreement, provide guidance to Customer with regards
to obtaining the Customer’s credit reports from all three credit-reporting agencies Equifax (CSC for Texas
Residents), Experian, and TransUnion via a Consumer Credit Monitoring service that updates consumer credit
file data every 30 days. The customer must share and update CREDIT REPAIR OF FLORIDA on current credit
monitoring service login information.
CREDIT REPAIR OF FLORIDA shall also, after the receipt of Agreement signed by Customer, setup the
Customer’s online file access that will allow the Customer to follow the progress of their services purchased. A
unique login and password will be provided to the Customer to access their file online. The Customer will be
responsible for re-setting and securing their own password.
CREDIT REPAIR OF FLORIDA shall provide guidance when the Customer is determining the actions to take
with each account in regards to that Customer's file.
CREDIT REPAIR OF FLORIDA shall provide challenges for items appearing on the Customer's credit report,
which the Customer indicates are inaccurate, incomplete, obsolete, or may be in need of verification.
Each consecutive month while the Customer pays the monthly service fee (See Exhibit “A” for Explanation)
CREDIT REPAIR OF FLORIDA shall provide follow-up challenges, as per the Fair Credit Reporting Act, Fair
Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act and transmittal of
the same.
Every month the customer is responsible to provide CREDIT REPAIR OF FLORIDA with all the necessary
information for any credit monitoring service in order for CREDIT REPAIR OF FLORIDA to track the changes
that have occurred regarding the Customer’s credit file. The Customer from time to time may receive responses
from the 3 credit bureaus, Equifax (CSC Credit Services for TX residents), Experian, and TransUnion, in
response to the dispute process and shall keep these for their records, but does not need to send them back to
CREDIT REPAIR OF FLORIDA to continue the process.
All items resolved will also be available for the customer’s review online which is accessed online and entering
the customer’s login and password provided to customer upon initiation.
CREDIT REPAIR OF FLORIDA shall also provide the customer assistance in answering questions regarding
customer’s accounts from Monday through Saturday during the company's business hours Eastern Standard
Time.
CREDIT REPAIR OF FLORIDA agrees only to challenge items under the above acts and as legally available.
If the customer fails to complete the payment schedule and term of the Agreement any and all refunds are
forfeited.
Attached Hereto, exhibit A, is the “Description of Service” accepted by the customer and incorporated herein for
all purposes.
It is agreed that this Disclosure Statement has been signed prior to the execution of the Contractual Agreement
between the parties.
You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day
after the date on which you signed the contract.

(Customer name)
EXHIBIT A – "Description Of Service"

CREDIT REPAIR OF FLORIDA’s Premium Service
CREDIT REPAIR OF FLORIDArequires all customers ("customer," "customers," or "you") to sign the
"Description of Service". By signing this form you are agreeing to the terms and conditions of service set
forth in this Agreement and to the terms and conditions of payment. It isCREDIT REPAIR OF FLORIDA’s
intention to service you for the entire term of the Agreement, however should you cease payment under the
terms of the Agreement we will stop service until payment can be rendered. CREDIT REPAIR OF FLORIDA,
also reserves the right to collect any monies not yet paid under the terms of the Agreement that it may be
entitled to. You agree that any remaining payments,CREDIT REPAIR OF FLORIDAmay be entitled to, will be
applied in accordance with the Agreement regardless of your default.
• $125.00 Credit Audit Fee (Single) - Consist of a one-time Credit Audit Fee that is completed when the Credit
Report Audit is given and completed by a CREDIT REPAIR OF FLORIDA agent.
The following non-credit repair items are considered to be a complete list of the items included as part of the
Credit Audit fee:
· Guide Customer in obtaining a credit monitoring subscription for all 3 credit agencies reports (Experian,
Equifax, and Transunion), if Customer doesn’t have one, that update information every 30 days.
· Assist the Customer in understanding the impact of items on the customers credit report in order for the
customer to point out what information may be incorrect or that may need further verification by the credit
bureaus.
· Provide a credit restoration plan based on the customer’s credit report. Provide customer with a credit score
consultation based on the 5 areas that impact their credit score.
•$150.00 Monthly Service Fee B- consists of consecutive monthly installments of $150.00 per month. After 6
months CREDIT REPAIR OF FLORIDA will service the Customer’s account on a month-to-month basis unless
prohibited in the state the Consumer resides.
The Following items are examples of the actions, and or products that define the Company's monthly services.
Our Monthly fees are only collected upon completion of any one of the items below (as applicable to the
Customer as indicated below which would define our "Services")
· Create and send dispute letters to either the credit reporting agencies or creditors
· Analysis and review of customers credit file
· Update customer file online with most recent updates and or notes
· Respond to, receive and or initiating correspondence via telephone
· Respond to, receive and or initiating correspondence via e-mail
· Respond to, receive and or initiating correspondence via Facsimile
· Respond to, receive and or initiating correspondence via physical mail i.e.: USPS, FEDEX, UPS etc.
· Review customer's credit monitoring report in order to see what changes the credit reporting agencies have
made every 30-35 days.
· Assist customer with all credit related or service questions
· Send Direct to Creditor Disputes per round
CREDIT REPAIR OF FLORIDA makes no other warranties aside from the warranties expressly written within
this disclosure. No oral agreement or other agreement shall override this Agreement unless received in writing
from an authorized CREDIT REPAIR OF FLORIDA representative. 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 and agree to the total costs of these services.
It is agreed that this Description of Service has been signed prior to the execution of the
Contractual Agreement between the parties.

(Customer name)
EXHIBIT D - Limited Power of Attorney
This form is a limited power of attorney and will be used for the sole purpose of helping with the
restoration of your credit. This does not give us full power of attorney over any of your other affairs.
I, Milica Radmanovic, a resident of USA County, of the State of Florida give CREDIT REPAIR OF
FLORIDA its officers, employees and agents, the necessary power and authority, in and on my behalf,
to act as my attorney-in-fact in order to undertake and perform the following matters only as set forth
herein: obtaining information, including but not limited to credit reports in my name, over the telephone,
fax, and internet, through written or online correspondence from credit bureaus, creditors, or collection
agencies.
If negotiation of a debt is necessary I give CREDIT REPAIR OF FLORIDA, its officers, employees and
agents the right to discuss information to help resolve a debt. I hereby authorize CREDIT REPAIR OF
FLORIDA, its officers, employees and agents this release or copy thereof within 6 months of this date
to obtain any information in my credit report that may involve medical records and/or credit records.
I hereby direct said record holder authorization to release any requested information upon the
presentation of this Limited Power of Attorney. I hereby release the bearer of this authorization as well
as the recipient, including but not limited to, the Custodian of such records, Repository of the Court
Records, Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems), consumer reporting
agencies, retail business establishments, lending institutions, student loan agencies (public and/or
private), from liability including whatever kind which may at any time result to me, my heirs, family or
associates, because of compliance with this authorization to release information, or any attempt to
comply with it.
I have the right to revoke or terminate this Limited Power of Attorney at any time. This Limited Power
of Attorney shall terminate 6 months from the date of execution set forth below. My attorney-in-fact
shall not be liable for any acts or decisions made in good faith and pursuant to the terms herein. All
issues pertaining to validity, interpretation, and administration of this Limited Power of Attorney shall
be determined in accordance with the laws of Florida.
It is agreed that this Limited Power of Attorney has been signed prior to the execution of the
Contractual Agreement between the parties.

(Customer name)
Consumer Credit File Rights Under State and Federal Law
You have a 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 a 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, 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.
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 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 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'.
(b) Separate Statement Requirement.--The written statement required under this section shall be
provided as a document which is separate from any written contract or other agreement between the
credit repair organization and the consumer or any other written material provided to the consumer.
(c) Retention of Compliance Records.--
(1) In general.--The credit repair organization shall maintain a copy of the statement signed by the
consumer acknowledging receipt of the statement.
(2) Maintenance for 2 years.--The copy of any consumer's statement shall be maintained in the organization's
files for 2 years after the date on which the statement is signed by the consumer.
Florida (FL) - State Disclosure

FL – 817.703
You have a right to review any file on you maintained by any consumer reporting agency. You may review your
consumer reporting agency file at no charge if a request is made to the consumer reporting agency within 30
days after receiving notice that credit has been denied. You may be charged a fee not to exceed $15.00 to
review you consumer reporting agency file at any other time. You have a right to dispute incomplete or
inaccurate information by contacting the consumer reporting agency directly. However, you have no right to
have accurate information permanently removed from your file of a consumer reporting agency.
The following is a description of the services to be performed and the total amount you will have to pay, or
become obligated to pay:
EXHIBIT A – "Description Of Service"

CREDIT REPAIR OF FLORIDA’s Premium Service
CREDIT REPAIR OF FLORIDArequires all customers ("customer," "customers," or "you") to sign the
"Description of Service". By signing this form you are agreeing to the terms and conditions of service set
forth in this Agreement and to the terms and conditions of payment. It isCREDIT REPAIR OF FLORIDA’s
intention to service you for the entire term of the Agreement, however should you cease payment under the
terms of the Agreement we will stop service until payment can be rendered. CREDIT REPAIR OF FLORIDA,
also reserves the right to collect any monies not yet paid under the terms of the Agreement that it may be
entitled to. You agree that any remaining payments,CREDIT REPAIR OF FLORIDAmay be entitled to, will be
applied in accordance with the Agreement regardless of your default.
• $125.00 Credit Audit Fee (Single) - Consist of a one-time Credit Audit Fee that is completed when the Credit
Report Audit is given and completed by a CREDIT REPAIR OF FLORIDA agent.
The following non-credit repair items are considered to be a complete list of the items included as part of the
Credit Audit fee:
· Guide Customer in obtaining a credit monitoring subscription for all 3 credit agencies reports (Experian,
Equifax, and Transunion), if Customer doesn’t have one, that update information every 30 days.
· Assist the Customer in understanding the impact of items on the customers credit report in order for the
customer to point out what information may be incorrect or that may need further verification by the credit
bureaus.
· Provide a credit restoration plan based on the customer’s credit report. Provide customer with a credit score
consultation based on the 5 areas that impact their credit score.
•$150.00 Monthly Service Fee B- consists of consecutive monthly installments of $150.00 per month. After 6
months CREDIT REPAIR OF FLORIDA will service the Customer’s account on a month-to-month basis unless
prohibited in the state the Consumer resides.
The Following items are examples of the actions, and or products that define the Company's monthly services.
Our Monthly fees are only collected upon completion of any one of the items below (as applicable to the
Customer as indicated below which would define our "Services")
· Create and send dispute letters to either the credit reporting agencies or creditors
· Analysis and review of customers credit file

· Update customer file online with most recent updates and or notes
· Respond to, receive and or initiating correspondence via telephone
· Respond to, receive and or initiating correspondence via e-mail
· Respond to, receive and or initiating correspondence via Facsimile
· Respond to, receive and or initiating correspondence via physical mail i.e.: USPS, FEDEX, UPS etc.
· Review customer's credit monitoring report in order to see what changes the credit reporting agencies have
made every 30-35 days.
· Assist customer with all credit related or service questions
· Send Direct to Creditor Disputes per round
CREDIT REPAIR OF FLORIDA makes no other warranties aside from the warranties expressly written within
this disclosure. No oral agreement or other agreement shall override this Agreement unless received in writing
from an authorized CREDIT REPAIR OF FLORIDA representative. 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 and agree to the total costs of these services.
You have the right to proceed against the surety bond or trust account if needed. The name and address of the
surety company is as followed:, .The name and address of the depository CREDIT REPAIR OF FLORIDA, 1511
E SR 434 and trustee are

Credit Repair Contract

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Credit Repair Contract

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Credit Repair Contract

Welcome Milica Radmanovic!

CREDIT REPAIR OF FLORIDA PRIVACY POLICY

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Customer Credit Repair Agreement

"Products" shall mean the following Company's services to be sold by Company

Terms and Conditions.

Affiliate Service Provider.

Term and Termination.

Governing Law and Jurisdiction.

Conducting of Business Electronically, Consent to be Contacted.

Client Obligations & Agreement.

monthly credit monitoring subscription in good standing are NON-NEGOTIABLE.

[initial|req|signer2||customerInitial] Customer agrees to maintain on time monthly payments of their current

[initial|req|signer2||customerInitial] Customer agrees to contact CREDIT REPAIR OF FLORIDA on any

[initial|req|signer2||customerInitial] If the Customer was referred to CREDIT REPAIR OF FLORIDA by a referral

[initial|req|signer2||customerInitial] Customer agrees to payment terms and conditions as chosen in Exhibit A,

[initial|req|signer2||customerInitial] Contract is for 12 months (Standard Plans) or 6 months (Premium Plans)

By: Milica Radmanovic

By: Camille Hewwing

NOTICE OF RIGHT TO CANCEL

I hereby cancel this transaction:

By: Milica Radmanovic

By: ______________________ Date: ____________________

(Customer Signature) (Date of Customer Signature)

*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*

NOTICE OF RIGHT TO CANCEL

I hereby cancel this transaction:

By: Milica Radmanovic

By: ______________________ Date: ____________________

(Customer Signature) (Date of Customer Signature)

*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*

By: Milica Radmanovic

EXHIBIT A – "Description Of Service"

By: Milica Radmanovic

EXHIBIT D - Limited Power of Attorney

By: Milica Radmanovic

(Date of Customer Signature)

Consumer Credit File Rights Under State and Federal Law

The Public Reference Branch

(c) Retention of Compliance Records.--

Florida (FL) - State Disclosure

EXHIBIT A – "Description Of Service"

· Analysis and review of customers credit file

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By: __ Date:

ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE

By: __ Date:

ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE