*PLEASE READ PRIOR TO ENROLLING INTO OUR PROGRAM *

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1. As a client you will be required to keep the credit monitoring system that we use active the entire time you are in any  of our programs, this is an additional $24.99 a month. We need to be able to see all 3 reports in detail. This acts as our eyes and ears when communicating with the credit bureaus, as well s updating you. If you let your credit monitoring cancel, and do not update it in a timely manner, you will be canceled as a client.

 

2. If you are in active bankruptcy, DO NOT SIGN UP for our service. If your bankruptcy has been dismissed or discharged, you can continue with the enrollment process.

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3. If you are currently behind on your bills and cannot pay them on time for the next 6-8 months, please do not sign up for our services. We want you to get the most out of the process as possible and paying your bills late will hurt you regardless of our efforts in other areas.  

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4. Credit repair is a team effort, paying your bills on time, building/adding positive credit and paying your credit card balances down is what we expect out of all our clients. If you are not willing to consistently do these things and follow the personal action plan we gave you, please do not sign up for our services. 

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Your enrollment fee will be charged to your card once your new client onboarding is complete. If your onboarding is not complete within 72 hours of your portal being active, we will cancel with Affinity Financial Services. Monthly payments start 30 days after your enrollment payment, and is based on the anniversary date.

 

*if your card is charged on the 2nd of the month, your set payment date will be the 2nd of each month throughout the program. We allow clients to move their payment date by 5 days.  You can request this by contacting customer service at contact@affinityfinsvcs.com.

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5. Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

• Credit Service Agreement

• Authorization for Credit Repair Action

• Consumer Credit File Rights (CROA Disclosure)

• Right Of Cancellation Notice

• The services we perform may include

• Document preparation and credit education.

• We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.

• We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.

• You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.

• Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

• In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.

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It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​