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members of the national board of credit education

Revised 9/13/2007

Welcome to the EZ Credit Repair Network, owned and produced by EZ Marketing, INC. and its subsidiary and affiliate corporations, successors, and assigns (collectively referred to as "EZ Credit Repair"). The EZ Credit Repair Network currently consists of various web pages at or linked to the URLs www.myezcreditrepair.comwww.werepaircreditfast.com

Terms and Conditions of Service Agreement (the “Terms and Conditions of Service”) is  between the party clicking “agree and continue” below and/or using this Site (”you”) and  EZ Credit Repair, LLC/ Site locations is: www.myezcreditrepair.com (”we” or “us”), located at 2850 Horizon Ridge Parkway, Suite 200, Henderson, NV 89052. Please carefully read the Terms of Service and Conditions before using this Site. By using this Site you agree to be bound by the Terms and Conditions of Service and conditions of use set forth in the Terms and Conditions of Service. This is a legally binding agreement. If you do not agree with the Terms and Conditions of Service you should not use this Site and must leave this Site.

Please carefully read the Terms of Service and Conditions before using this Site. By using this Site you agree to be bound by the Terms and Conditions of Service and conditions of use set forth in the Terms and Conditions of Service. This is a legally binding agreement. If you do not agree with the Terms and Conditions of Service you should not use this Site and must leave this Site.

SERVICE/CONSULTATION

EZ Credit Repairs is only charging fees for the initial Consultation. The service you are paying for is a one time consultation fee. This consultation consists of a one time consultation fee of $798.00 (seven hundred ninety nine dollars and zero cents) for our Standard Repair Package or a fee of $1,596.00 (one thousand five hundred ninety eight dollars and zero cents) for our Premier Repair Package (Some promotions and/or restrictions may apply). This consultation consists of an education as to some of the rules and guidelines set forth by the Fair Isaac and Company Credit Scoring System (FICO) designed in 1988. We will you understand more about credit and how this scoring system works. This education is to help you better understand the “Do’s and Don’ts” of what would result in a positive or negative effect in your credit score.

THE CREDIT REPAIR PROCESS is FREE WITH THE CONSULTATION 
As a courtesy to you, we agree to launch any and all disputes for you for one full year (12 months) as a FREE OFFER TO YOU. By law you reserve the right to launch your disputes on your own if you choose to. We are offering this service FREE should you choose to agree to have us launch your disputes for you at no cost to you for one full year. 

HOW IT WORKS 
After your initial consultation we will launch your investigations against any or all of your derogatory credit that may be reporting in error. By law the investigations will only take up to 30 days to conclude. At the end of the each investigation you will receive “Result Letters” from all of the three major credit bureaus, Experian, TransUnion and Equifax. It is your responsibility to forward us a copy of these “Result Letters” via: fax (@ (866) 979-1097); e-mail (admin@myezcreditrepair.com) or mail to: (2850 Horizon Ridge Parkway, Suite 200, Henderson, NV 89052) in order for us to continue to assist you in launching future investigations against any and all derogatory accounts reporting in error that still remain on your credit report. 

GUARANTEE 
EZ Credit Repair guarantee’s you success. We offer a full money back guarantee. We guarantee that you will have cleaner credit after the first 30 day investigation is concluded or your money back. 

1. ACCEPTANCE
You agree to use this Site in a manner consistent with the Terms and Conditions of Service and all applicable rules and regulations. You acknowledge that you have read the Terms and Conditions of Service and that you accept the terms thereof. You agree to read these terms and conditions of service carefully before using this Site. If you do not agree to the Terms and Conditions of Service, you may not access or otherwise use this Site. By using the Products and Services, you agree, without limitation or qualification, to be bound by, and to comply with, these Terms and Conditions or service and any other posted guidelines or rules applicable to any individual EZ Credit Repairs web site, Products and Services. All such guidelines and rules are hereby incorporated by reference into the Terms and Conditions of Service. You accept that The Site is provided on an “as is, as available” basis.

2. CONDITIONS AND RESTRICTIONS ON USE
Use of the Products and Services is subject to compliance with these Terms and Conditions or Service. You acknowledge and agree that EZ Credit Repair may terminate your access to the EZ Credit Repair Network or to any of the Products and Services should you fail to comply with the Terms and Conditions or service or any other guidelines and rules published by EZ Credit Repair. Any such termination shall be in EZ Credit Repairs sole discretion and may occur without prior notice, or any notice. EZ Credit Repair further reserves the right to terminate any user's access to the EZ Credit Repair Network or to any of the Products and Services for any conduct that EZ Credit Repair, in its sole discretion, believes is or may be directly or indirectly harmful to other users, to EZ Credit Repair or its subsidiaries, affiliates, or business contractors, or to other third parties, or for any conduct that violates any local, state, federal, or foreign laws or regulations. EZ Credit Repair further reserves the right to terminate any user's access to the EZ Credit Repair Network or to any of the Products and Services for any reason or for no reason at all, in EZ Credit Repairs' sole discretion, without prior notice, or any notice. 

In order to use the Products and Services, users must have access to the World Wide Web and must navigate the Internet to http://www.myezcreditrepair.com or another of the URLs associated with the EZ Credit Repair Network. We agree to provide you access to this Site in accordance with the Terms and Conditions of Service. EZ Credit Repair does not discriminate on the basis of age, gender, race, ethnicity, nationality, religion, sexual orientation, or any other protected status. 

3. REGISTRATION AND PRIVACY
Certain of the Products and Services will require the user to register and provide certain data. In consideration of use of such Products and Services, in registering and providing such data, you represent and warrant that: (a) the information about yourself is true, accurate, current, and complete (apart from optional items) as required by various EZ Credit Repair Network registration forms ("Registration Data") and (b) you will maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or EZ Credit Repair has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, EZ Credit Repair has the right to suspend or terminate your account and refuse any and all current or future use of the Products and Services. 

All EZ Credit Repair Network registrations become the exclusive property of EZ Credit Repair, its affiliates and subsidiaries. Users may edit, update, alter or obscure their personally identifiable information at any time by following the instructions located in the EZ Credit Repair Network Privacy Policy and at individual EZ Credit Repair Network sites.YOUR ACCESS TO AND USE OF THE SITE MAY BE TERMINATED AT ANY TIME FOR ANY REASON OR FOR NO REASON BY YOU OR BY US.

You acknowledge receipt of EZ Credit Repair Privacy Policy. WE MAY, SUBJECT TO AND IN ACCORDANCE WITH OUR PRIVACY POLICY FOR MARKETING AND OTHER PURPOSES, COLLECT, PROCESS AND TRANSMIT CERTAIN DATA OBTAINED FROM AND ABOUT YOU IN THE COURSE OF YOUR ACCESSING THE SITE. BY AGREEING TO THESE TERMS YOU AGREE TO SUCH DATA BEING SO USED AND FURTHER AGREE THAT IT MAY BE TRANSMITTED TO OTHERS WHETHER OR NOT WITHIN THE UNITED STATES IN ACCORDANCE WITH OUR PRIVACY POLICY AND UNDER APPLICABLE PRIVACY AND DATA PROTECTION LEGISLATION. 

4. THE MATERIALS INCLUDED IN THIS SITE
The materials and information included in this Site are for general information purposes only and do not constitute legal advice in any way. They are not intended to be a substitute for obtaining legal advice from legal counsel. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR INFORMATION PERPOSES ONLY and ARE NOT SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. 

EZ Credit Repair does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through this Site. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. EZ Credit Repair reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this Site. We are not able to confirm that the materials contained on these web pages are correct in every case. EZ Credit Repair reserves the right to make changes to this Site, including the availability of any feature, database, Content, Web page materials, product information and prices on The Site at any time without notice or liability. 

We reserve the right to monitor all Postings or other materials posted on The Site and to remove any which we consider in our absolute discretion to be: (a) offensive, (b) inappropriate, (c) criminal or (d) otherwise in breach of these Terms of Use. We do not and cannot review all materials posted to The Site by users, and we are not responsible for any such materials posted by users. However, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or government request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in the sole discretion of EZ Credit Repair are objectionable or in violation of these Terms of Use.

5. THIS SITE IS PROTECTED BY COPYRIGHT
The contents in this Site are protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions, and other copyright laws. Any and all materials contained on The Site are protected by copyright, and are owned or controlled by EZ Credit Repair or the party credited as the provider of the Content. Permission is given to view the material on these web pages and save that material only for your personal reference. Copying or storing of any Content for other than personal, noncommercial use is expressly prohibited without the prior written permission from EZ Credit Repair or the copyright holder identified in the individual Content's copyright notice.

6. STORAGE
Many features of the EZ Credit Repair Network store information on behalf of users. Examples include, but are not limited to, email messages, chat, web pages, message boards and calendar functions. EZ Credit Repair reserves the right, in its sole discretion, to limit the amount of storage space available per user or to delete materials stored for an excessive period while the user's account has been inactive.

7. WRITTEN CONSENT
You may not modify, copy, distribute, republish or upload any of the material on this Site in any way unless you obtain the prior written consent of EZ Credit Repair. 

8. ALL NECESSARY RIGHTS
You agree and warrant that you have all necessary rights in and to all Postings you provide and all material they contain and that such Postings shall not infringe any proprietary or other rights of third parties. By posting messages, uploading files, inputting data or engaging in any other form of communication (individually or collectively “Communications”) to this Site, you hereby grant to EZ Credit Repair, subject to our privacy policy, a perpetual, worldwide, irrevocable, unrestricted, non-exclusive, royalty free license to use, copy, license, sub license, adapt, distribute, display, publicly perform, reproduce, transmit, modify, edit and otherwise exploit such Communications, in all media now known or hereafter developed. You hereby waive all rights to any claim against EZ Credit Repair for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights, and rights of attribution in connection with such Communications.

You acknowledge that transmissions to and from this Site are not confidential and your Communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the law.” You acknowledge that by submitting Communications to EZ Credit Repair, no confidential, fiduciary, contractually implied or other relationship is created between you and EZ Credit Repair other than pursuant to these Terms and Conditions of Service and any subsequent written agreement entered into with EZ Credit Repair.

THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED “AS IS, AS AVAILABLE.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW. EZ CREDIT REPAIR AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THIS SITE OR ANY LINKED SITE. FURTHER, EZ CREDIT REPAIR AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. EZ CREDIT REPAIR DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. EZ CREDIT REPAIR AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. FURTHER, IN NO EVENT WILL EZ CREDIT REPAIR BE LIABLE FOR ANY LOSS OF PROFITS, BUSINESS, USE OF DATA OR FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER BASED IN CONTRACT, NEGLIGENCE OR OTHER TORT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS, DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS THE SITE OR ANY WEB SITE WITH WHICH IT IS LINKED. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.

You hereby agree to indemnify, defend and hold EZ Credit Repair, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensor's and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms and Conditions of Service or the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. EZ Credit Repair reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of EZ Credit Repair.

Where we provide hypertext links from or to third party sites we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the Website, the content of those sites, the third parties named therein, or their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.

These Terms of Use contain the entire understanding between us with respect of this Site and no representation, statement, inducement oral or written, not contained herein shall bind either of us. EZ Credit Repair reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Service, in whole or in part, at any time. Notification of changes in these Terms of Use will be posted on this Site.

Should any part of the Terms and Conditions of Service be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms and Conditions of Service had been eliminated.

The Site, any information provided from it and the Terms and Conditions of Service are given and made in the state ofNEVADA, United States of America. THIS TERMS AND CONDITIONS OF SERVICE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEVADA, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS AND CONDITIONS OF SERVICE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN CLARK COUNTY IN THE STATE OF NEVADA.

Pursuant to Federal law we are providing the following separate written statement for your review and to acknowledge receipt thereof, which, pursuant to the requirements of Federal law, will also be delivered with any contract for credit report repair services entered into with EZ CREDIT REPAIR:

The Terms and Conditions of Service are subject to change at any time. You should review the Terms of Use regularly for any changes. 

DISCLOSURES 
Disclosure Required.--Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:

'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, 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 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 re investigate 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'.

'You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See notice of cancellation form for an explanation of this right.

 

(Sign) X_____________________________________        (Date) X_____________________________ 

TERMS OF SERVICE