Terms of Service Credit Repair Network Inc.

Scope of services. Credit Repair Network Inc. ("CRN," "we," "us") provides educational credit review, dispute preparation assistance, and credit profile guidance. CRN does not guarantee removal of any specific item, a specific score increase, or any particular credit outcome.

Three-day right to cancel. Under the Credit Repair Organizations Act (CROA), you may cancel this agreement without penalty or obligation at any time before midnight of the third business day after the date you signed it. Cancellation must be submitted in writing to [business address/email].

No upfront fees for services not yet rendered. In accordance with CROA, CRN does not charge or collect fees for credit repair services until those services have been fully performed. Monitoring fees ($1 trial, then $29/month through MyFreeScoreNow) are separate, paid directly to the monitoring provider, and are not a substitute for, or a guarantee of, disputed-item removal.

Client obligations. You agree to provide accurate identifying information, maintain active tri-merge credit monitoring for the duration of services, and respond to CRN's requests for documentation on time. Delays in providing requested information may delay your results.

No guarantee of results. Results vary based on each individual's credit history, the accuracy of reported information, and the response of furnishers and credit bureaus. CRN cannot and does not promise that any specific negative item will be removed or that your credit score will increase by any amount.

Payment terms. Monthly Plan: $99/month plus $29 / month monitoring, billed on enrollment date, cancelable at any time with no long-term contract. Lump Sum Plan: $497 one-time fee plus $29 / month monitoring thereafter, also cancelable at any time.

Dispute process disclosure. CRN assists in identifying potentially inaccurate, outdated, or unverifiable items and helps prepare dispute correspondence to credit bureaus and/or furnishers on your behalf.

You retain the right to dispute items independently, free of charge, directly with the credit bureaus at any time.

Termination. Either party may terminate this agreement at any time. Upon termination, CRN will cease further dispute activity but is not obligated to refund fees for services already rendered.

Limitation of liability. CRN's liability under this agreement is limited to the fees paid for services rendered. CRN is not liable for actions taken by credit bureaus, furnishers, lenders, or other third parties.

Governing law/dispute resolution. The laws of the State of New York govern this agreement. [Insert arbitration or venue clause if desired.]

Required CROA notice (must appear verbatim per 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 seven years old. Medical debt information is over seven years old.

Bankruptcy information can be reported for ten years."