Policies & Disclosures

It is the responsibility of the client to provide reports from all three major bureaus (Equifax/CSC,
Experian, Trans Union).

For your convenience you may get your credit reports through us by clicking on the image below or
select another company of your choice at a later time:

The initial credit reports obtained or provided are to be no more than 30 days old (if provided) and
will serve as the basis for improving or repairing credit reports. ACRCS has no responsibility of
providing services on derogatory changes to the clients reports after the date of this agreement.
Client understands that the addition of new derogatory information will negatively impact the results
of ACRCS’s service and doing so negates any service warranty. Additionally, through this electronic
signature, client authorizes ACRCS, its agents, and business partners to obtain, review, and retain
credit reports from all three major credit bureaus.

An original, unmarked copy of all credit-related correspondence from any creditor or credit
reporting agency must be mailed to ACRCS within 5 (five) business days of receipt. ACRCS’
address for mailing will be provided to you in a welcome letter that will be mailed out within 2 days of
receipt of payment. ACRCS’ address can also be located near the bottom of this page. These
services are time-sensitive and failure to do so would significantly diminish the
effectiveness of said services and failure to comply will negate any service warranty.

Client understands that ACRCS of Texas will attempt to remove erroneous, outdated, or incorrectly
reported information from the bureaus, as allowed by federal law, and understands that
ACRCS makes no claim beyond those changes allowed by federal law. This includes, but may not be
limited to, inquiries, addresses, aliases, creditor accounts, and personal information.

Additionally, client understands that no guarantee of any particular score is made through this
agreement, as doing so would imply an intimate knowledge of the proprietary formulas used by the
credit scoring models to calculate score that ACRCS of Texas does not possess. Client also
understands that, while every effort to avoid doing so will be made, it may be necessary to settle
some debts with the creditors themselves to improve the client’s credit rating upon completion of this
contract. Client gives ACRCS, it’s agents, officers, employees, and designees the authority to
communicate and negotiate with creditors and credit reporting agencies, including the signing of the
client’s name, for which this limited power of attorney is given.

While you, the Client, have every right to work directly with the credit reporting
agencies you have chosen to hire ACRCS to work with them directly. ACRCS cannot be
responsible for anything that happens to your credit file as a result of this personal
communication, and the warranty is considered void in this circumstance as a result. 6
(six) months from the date of this agreement.

Client understands that all work on client’s behalf shall cease until all due balances are paid in full as
outlined below. Client grants ACRCS the exclusive right to perform repairs and corrections on the
credit bureaus and with creditors. Contracting any other organization or firm, or attempts to do so
by Client, negate any service warranty by ACRCS. Client agrees to hold ACRCS harmless such that
it will not be liable or responsible for any claims or damages arising from services performed as they
are outlined in this agreement. In any event, the extent of any liability on the part of ACRCS will be
limited to the amount of fees paid to ACRCS. Information regarding the service warranty, and
consumer rights as allowed for by state and federal law are available on this website, and client fully
understands and agrees with its terms and conditions. Client understands that it is the right of any
consumer to execute similar disputes on their own behalf, but has willfully elected to allow ACRCS to
perform the services for the posted fee.

Additionally, by virtue of this electronic signature, client acknowledges understanding of and
agreement to the policies, terms, and conditions outlined in this paragraph, and has been made
aware of my rights as a consumer in matters of credit reporting through all applicable and necessary
laws and disclosures. Client acknowledges receipt of the information required by the Texas Finance
Code regarding credit services organizations.

Finally, by virtue of this submission of an online registration, client acknowledges the submission of
client's electronic "signature", and certify that all information on this form is genuine, and is being
submitted by the party or parties listed. Submission of false information will be construed as fraud,
and ACRCS will vigorously pursue, or aid in pursuing on behalf of any injured party, any and all civil
and criminal penalties or liabilities against any and all parties responsible for the intentional misuse of
this form, or from any information gained as a result of submission of fraudulent information with this
form. Client understands that although client has every right to execute the same actions on their
own behalf, client has elected to pay a fee for these services. Client agrees to allow ACRCS to
charge the credit card listed in the following form, as outlined in that registration form, for services
to be performed, subject to the repayment terms and conditions of the cardholder agreement for that
card.

This agreement can be cancelled, free of charge or penalty, for three business days
after it has been signed. Simply send a written notice, via certified mail to:

Alpha Credit Repair and Counseling Services
3600 Hibiscus Drive
Wiley, TX 75098

Any payment made will be returned to you within 10 business days via US mail.

PLEASE READ THE FOLLOWING SERVICE WARRANTY CAREFULLY

Alpha Credit Repair & Counseling Services (the "Company") works diligently on your behalf to
dispute inaccurate, erroneous, and untimely information on your credit file, however; the Company
cannot guarantee removal of any disputed material. We are in business for our customers and do
provide a warranty in the unlikely event you are dissatisfied with our services. The warranty is as
follows:

If the credit bureaus less than 50% of disputed material the Company will refund the client $10 per
item per bureau for each item not removed with a maximum of $100 to the client either single or
couple. When the bureaus remove 50% or more disputed material from your credit file the warranty
no longer applies.

IMPORTANT:

The warranty is considered void 180 days after the inception of services.
The warranty is considered void if the Company does not receive and original, unmarked copy
of all credit-related correspondence from any creditor or credit agency mailed within 5
business days to the Company
While you have every right to work directly with the credit reporting agencies you have
chosen to hire the Company to work with them directly. The Company cannot be responsible
for anything that happens to your credit file as a result of this personal communication, and
the warranty is considered void in this circumstance as a result.

This warranty is subject to change by the Company at anytime for any reason. Written notice will be
provided to clients in the event of a change to this warranty.