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"" We know how to fight innacuracies within credit reports, and our customer support team is here to help your credit score soar!"

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CLIENT AGREEMENT & LIMITED DESIGNATION OF AGENCY Credit Builds Wealth (hereinafter designated as "CBW") will attempt to correct errors and other misleading information found in client's reports. When CBW deems it advisable, it will send non-dispute goodwill interventions or account information requests to furnishers of information ("furnishers") to client's credit file. In addition, CBW will provide certain credit score improvement analyses in an attempt to educate and assist a client regarding personal credit score improvement. When CBW receives legible copies of credit reports from the client, it will draft, sign and send letters to the three major credit bureaus, or to the furnishers, on client's behalf and in client name. These interventions do not involve contesting facts. This Agreement does not include litigation services. CBW cannot guarantee a specific outcome or accurately predict how long the process will take. Client may cancel this Agreement at any time. CBW does not charge the client in advance for any services. It charges the client only after the initial setup, and the work performed each month thereafter that have been completed in full. Services performed by CBW may be reviewed or supervised by an attorney retained by CBW, if necessary. The principal business address of CBW is 5609 SW Green Oaks Blvd Ste 201, Arlington, TX 76017. In consideration of the CBW’s  services and fees outlined below, client agrees: A. To use CBW services to notify CBW of facts and claims to client's case. B. To pay CBW an initial setup fee of $199.00, upon execution of this Agreement, and $149.00 each subsequent month for work performed the previous month.. There shall be no additional setup fee of $199.99 if enrolled at the time this Agreement is executed. Client grants CBW permission to (i) withdraw the initial setup fee of $199.99 and the earned monthly funds from client's credit card or bank account unless client terminates this Agreement and (ii) verify client's account information. Client will be charged a fee (i) if client's payment for CBW’s services is not honored upon first presentment by CBW to client's credit card company or bank and (ii) if client changes their billing date. The fees noted here may change over time. But client will not be charged the increased fee(s) until sixty (60) days after CBW has sent to client's then- current e-mail address a notice of the increase. Should the client decide that he/she no longer wishes to receive CBW’s services, client may cancel this Client Agreement in writing or confirmed telephone notice. C. CBW’s services are provided on a month-to-month basis. Clients are charged only for services rendered during the previous month. Client understands and agrees that they are billed by CBW for services rendered on client's behalf, not for a specific case outcome. D. Annual Renewal Fee. After client has made twelve timely and consecutive payments of the agreed monthly fee, client shall have the option to continue the services provided by CBW for an annual fee of $150.00. Client shall notify CBW in writing prior to the expiration of the initial 12 month period of client's intent to continue CBW’s services on an annual basis for the renewal fee of $150.00. E. To allow CBW to receive and review credit reports furnished by third parties and to mail legible copies of your credit reports to CBW at least every ninety (90) days; to promptly forward to CBW copies of all correspondence that client receives from the credit bureaus, furnishers or others as the result of CBW’s efforts on client's behalf, and promptly inform CBW of any change of address. F. To only communicate with the credit bureaus through CBW’s written correspondence while this Client Agreement is in effect. G. A.That client sought out CBW to perform the credit improvement services identified here, and that the services may be performed by CBW or by an attorney or assistant working under the supervision of an attorney associated with CBW. H. To assist in obtaining client's credit report(s) from an online provider. This may include CBW creating an account on client's behalf with an online provider at clients expense. Client's assistance may be necessary in answering certain security questions regarding client's identity and credit history if CBW is unable to obtain client's report(s) I. If the client's listings qualify, CBW will send up to three (3) letters every thirty (30) days to creditors who have reported information about the client to the major consumer reporting agencies, beginning no earlier than the 6th day after client engages CBW. The letters will either seek a goodwill disposition or request additional information about the reported account. CBW prepared letters may include client's account number and/or Social Security Number as required by creditors and credit bureaus in order to reference client's account. This Agreement is governed and enforced by and construed in accordance with the laws of the State of Texas. To the maximum extent allowed by law: Any claim arising out of or relating to CBW’s services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis and not consolidated with any other claim. The arbitration shall be initialed and conducted only in Tarrant County, Texas. If the arbitration clause above is held not to be enforceable by any court, then to that extent, any legal or equitable action concerning this Agreement shall be initiated only in the state or federal courts in Tarrant County, Texas, and both parties agree to submit to the exclusive personal jurisdiction of those courts. DISCLOSURE STATEMENT: CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW. You have the 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, or a rental dwelling because of information in 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. You have the right to cancel your contract with any credit repair organization for any reason within five 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 ELECTRONIC SIGNATURE, LIMITED DESIGNATION OF AGENCY This is a Limited Designation of Agency, granting permission to CBW to do business with client electronically and to sign letters on client's behalf and in client's name and create an account with an online credit report provider on client's behalf using client's verifying information, and in client's name. Client may cancel this permission and close this case at any time, by contacting CBW. The parties have signed this agreement I have elected to enroll my spouse with CBW’s  services as stated in Paragraph B above. I or my spouse shall provide all requested spousal information simultaneously with client's information. Jimmy Bell   Tara Bell CLIENT SIGNATURE _______________________________ RIGHT OF CANCELLATION. YOU, THE CLIENT, MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TO MIDNIGHT OF THE FIFTH DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT. NOTICE OF CANCELLATION CBW allows client to cancel this Agreement at any time without penalty or future obligation and federal law requires that you be given two Notices of Cancellation: NOTICE OF CANCELLATION UNDER FLORIDA LAW You may cancel this contract, without any penalty or obligation, within five days from the date the contract is signed. If you cancel, any payment made by you under this contract will be returned within 10 days following receipt by CBW of your cancellation notice. To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to: CBW 5609 SW Green Oaks Blvd Ste 201, Arlington TX 76017. I hereby cancel this contract. Client NOTICE OF CANCELLATION CBW allows client to cancel this Agreement at any time without penalty or future obligation and federal law requires that you be given two Notices of Cancellation: NOTICE OF CANCELLATION UNDER TEXAS  LAW You may cancel this contract, without any penalty or obligation, within five days from the date the contract is signed. If you cancel, any payment made by you under this contract will be returned within 10 days following receipt by CBW of your cancellation notice. To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to: CBW, 5609 SW Green Oaks Blvd Ste 201 Arlington TX 76017. I hereby cancel this contract.

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