CREDIT REPORT AUDIT & CHALLENGE AGREEMENT
Our federal CROA Disclosure Statement is available on our website, credit-doctors.com, at all times, but an Information Statement must be reviewed and signed by every customer before proceeding with this Service Agreement (the “Agreement”).
This Agreement is made and effective this December 7, 2025,
The registered agent for Provider is Brian Dockery located at: 820 Vistabula St, Lakeland, FL 33801.
Customer and Provider wish to enter into an agreement under which Provider will provide certain consumer credit related services for Customer.
Customer hereby retains and authorizes Provider to challenge on Customer's behalf information appearing in Customer's credit report that Customer believes to be inaccurate or not compliant with Federal Consumer Reporting Act (FCRA). Customer understands that Provider will only perform the services listed in the Monthly Service Deliverables section. Customer also further understands that payment must be made after services are performed each month as described by Provider for up to six (6) monthly payments.
NOW, THEREFORE, in consideration of the mutual covenants contained herein, the receipt and sufficiency of which are hereby acknowledged, the parties to this Agreement hereby agree as follows:
1. SERVICE SUMMARY
Provider agrees to perform the following services for Customer in return for payment described in this Agreement: Provider will guide Customer on appropriate strategies for challenging negative items Customer believes to be inaccurate or not compliant with the Fair Credit Reporting Act (FCRA), excluding hard inquiries. Provider will prepare and send up to six (6) rounds of challenge letters, or submit challenges online to the consumer credit reporting agencies, approximately every thirty (30) days. Electronic copies of all challenge letters will be made available to Customer through Provider's secure online portal. Provider will begin performing these services after 5 working days from the date Customer signs this Agreement, and no later than seven (7) working days from such date. Customer understands that a consumer credit reporting agency, creditor, or debt collector shall not be required to communicate with a credit services organization concerning an account that is subject to a dispute if the consumer credit reporting agency, creditor, or debt collector reasonably determines that the dispute is frivolous or irrelevant.
2. AGREEMENT FOR SERVICES
This Agreement is for contracted services only and does not create an employer-employee relationship. Provider will assist Customer in obtaining an up-to-date and accurate consumer credit report, and Customer must maintain active credit-monitoring services (CMS) for the duration of this Agreement. CMS is required to supply current data to challenge inaccurate information and to monitor progress. Customer understands that while CMS fees are paid to a third-party monitoring provider, Provider may receive a nominal referral commission. Customer agrees to forward promptly to Provider all correspondence received from consumer reporting agencies, creditors, or related parties, and to maintain timely communication and provide requested verification or authorization to prevent delays. Customer acknowledges that the Monthly Service Deliverables section contains the complete and exclusive list of services Provider will perform under this Agreement. No other services, promises, or guarantees, express or implied, are included or expected beyond those listed. The parties agree that all services under this Agreement will be completed within a maximum of one hundred eighty (180) days from the date the Agreement is signed, at which time this Agreement automatically expires. To continue services beyond that period, Customer must enter into a new service agreement.
3. SERVICE CANCELLATION
Customer may cancel this Agreement at any time by submitting a written Notice of Cancellation, available on Provider's website or attached to this Agreement. There is no cancellation fee. If Customer cancels within the 5-day statutory grace period, no payment will be owed, even if onboarding has been completed. Provider will begin performing Monthly Service Deliverables within seven (7) working days after the Agreement is signed. Unless canceled before midnight of the 5TH-day grace period, Customer agrees to pay for all work performed by Provider up to the date of cancellation. If Customer cancels after the statutory grace period, Customer agrees to pay for all onboarding work and any completed dispute rounds performed before cancellation or Agreement expiration.
4. RIGHT TO TERMINATE
Customer must maintain active credit-monitoring access, provide requested documents, and respond to Provider's communications in a timely manner. Failure to do so may prevent Provider from performing required services. Continued failure to cooperate, or failure to pay any outstanding invoice before the next scheduled dispute round, constitutes a material breach of this Agreement. Upon material breach, Provider may suspend services immediately and terminate this Agreement and any other active agreement between the parties after providing written notice. Provider is not obligated to resume or reinstate services once terminated. This provision is in addition to Provider's right to terminate for misconduct under the Professional Conduct section.
5. PROFESSIONAL CONDUCT
Provider is committed to maintaining a respectful and safe working environment for all staff and clients. Customer must communicate with Provider and its representatives in a professional, courteous, and lawful manner at all times. Threatening, harassing, defamatory, obscene, or abusive behavior, whether verbal, written, or electronic, also constitutes a material breach of this Agreement and will result in immediate termination of services without refund. Provider may report such conduct to law enforcement or other authorities if appropriate.
6. CROSS-DEFAULT & RELATED PLANS
The Customer acknowledges that this Service Agreement may include multiple service plans selected by the Customer, all of which operate under this single Agreement. A default, violation, non-payment, or termination related to any individual service plan shall constitute a default under this Agreement as a whole. In such cases, Provider may, at its sole discretion, suspend or terminate any individual service plan or suspend or terminate all service plans governed by this Agreement. Upon such suspension or termination, all outstanding balances, accrued fees, or work performed but not yet invoiced under any service plan shall become immediately due and payable, and Provider may issue a final invoice reflecting such amounts, with payment due upon receipt.
7. ONE-TIME CUSTOMER ONBOARDING
Customer shall pay a one-time onboarding fee of $50 upon completion of onboarding. This fee is required for all service plans. The onboarding fee is only charged once, even if the Customer enrolls in multiple plans. The fee will only be charged again if the Customer becomes inactive for more than six (6) months and later reactivates services.
The following onboarding deliverables must be completed before any Monthly Service Deliverables can begin and constitute a distinct block of work that is billed only after onboarding is fully completed:
These tasks collectively constitute the entirety of services included in onboarding; no additional onboarding services are offered or implied.
8. MONTHLY SERVICE DELIVERABLES
The Provider will perform only the deliverables associated with the Service Plan selected by the Customer during the onboarding process, following execution of this Agreement. All plans include the foundational services listed below:
Plan-specific services are listed below:
Limitations Applicable to All Plans.The services listed in this section constitute the complete and exclusive list of monthly deliverables provided under this Agreement. No additional services, credit outcomes, approvals, increases in credit score, or removal of specific items are promised, implied, or guaranteed. A consumer reporting agency, creditor, or debt collector is not required to communicate with Provider regarding any dispute the agency or entity determines to be frivolous or irrelevant.
9. FINANCIAL TERMS
The fees owed under this Agreement depend solely on the Service Plan selected by Customer during the onboarding process. Provider adheres strictly to a zero-advanced-pay policy. The onboarding fee is billed only after all onboarding tasks have been completed, and monthly service fees are billed only after Provider completes each round of Monthly Service Deliverables for the selected plan. No monthly payment is collected before work is performed.
Upon selecting a plan during the onboarding process, Customer agrees to the following plan-specific pricing:
Customer understands that:
10. PAYMENT TERMS
Customer understands and agrees to the following:
11. SERVICE RENEWAL
At the conclusion of the 180-day service term, this Agreement will automatically expire. Customer may elect to renew services for an additional 180-day term (“Renewal Term”) by completing a Renewal Authorization Form made available in the Customer Portal or provided by Provider upon request.
A Renewal Term will begin only after all of the following conditions are met:
Each Renewal Term is treated as a separate engagement and includes up to six (6) dispute rounds, with payment due only after each round is completed in accordance with this Agreement's zero-advanced-pay policy. All pricing, deliverables, limitations, and payment terms associated with the Customer's selected Service Plan will apply to each Renewal Term unless Customer selects a different plan during renewal. Customer may renew services for additional 180-day periods without limitation, provided Customer remains in good standing and complies with all terms of this Agreement.
12. DISCLAIMER OF GUARANTEE OR WARRANTY
Provider agrees only to perform the services specifically described in the Monthly Service Deliverables section above. Results disclosed in testimonies received by Provider are not necessarily the results of the average Customer and are not guaranteed in any manner. Customer recognizes that all consumers’ circumstances are different, and that Provider does not represent or warrant that it will achieve specific results for Customer. Provider does not represent or guarantee that Customer will receive new credit or loans, credit cards, or mortgages as a result of Provider’s services. Provider does not guarantee an increase in credit score or removals of any negative accounts. Provider can only abide by federal laws and assist in disputing inaccurate data in Customer’s credit report, nothing more, using only accurate, honest and complete information provided directly by Customer.
13. REPORT ACCURACY
Customer agrees that all information provided to Provider during the credit repair process is true and accurate to the best of Customer’s knowledge. Customer agrees not to provide inaccurate, incomplete or misleading information that may result in a negative reflection of the process or compromising the integrity of Provider, Provider’s business model, and/or Provider’s reputation. Customer agrees not to provide or commit fraudulent activity such as claiming identity theft when such occurrence is untrue. Customer understands that Provider will not participate in or condone any fraudulent or questionable activities such as, but not limited to, submitting untrue or misleading information to manipulate Customer’s credit scores, credit worthiness, credit standing, or credit capacity to any consumer reporting agency. If Customer is found to have been materially dishonest, or to have provided inaccurate information, or done anything that could jeopardize Provider’s practice in any way, that will result in an immediate termination of this contract. Customer will be responsible for all services performed up to the date of the termination.
14. USE OF THIRD-PARTY
Provider engages Credit Manager, Inc., located at 5900 Balcones Drive #27712, Austin, TX 78731, as its compliance-managed fulfillment and billing vendor. Credit Manager acts under Provider’s limited power of attorney to perform administrative, technical, and billing functions necessary to deliver the services described in this Agreement. Acting on behalf of Provider, Credit Manager may assist with client onboarding, document handling, dispute preparation, invoice management, payment collection, and secure disbursement of funds to Provider. Provider may utilize Credit Manager’s merchant account or other approved processors to securely process payments through the Customer Portal. Credit Manager is not a party to this Agreement between Customer and Provider and does not independently offer or sell credit-repair services to Customer. All credit-repair services are rendered on behalf of Provider, who remains the credit-services organization of record and is solely responsible for compliance with all applicable federal and state credit-services laws and bonding requirements.
15. LIMITED POWER OF ATTORNEY
Customer, the undersigned, agrees by executing this Agreement to grant a limited power of attorney to Provider, and any-and-all persons in their employ, including agents assigned by staff identified at Credit Manager, Inc., as Customer’s agent, to have the necessary power and authority to undertake and perform the services set forth in the Monthly Service Deliverables section above on the Customer’s behalf. Customer hereby gives permission to Provider and agents assigned at Credit Manager, Inc. to write, prepare, mail/fax factual or challenge letters, provide/share statements, documents, and in rare instances, sign on Customer’s behalf for the purpose of disputing inaccurate, erroneous, and obsolete credit information held on Customer’s credit report by the consumer credit reporting agencies. This limited power of attorney is given to Provider and agents assigned at Credit Manager, Inc. in compliance with Section 605(b)(j)(1)(F)(ii) of the 2018 revised edition of the Federal Fair Credit Reporting Act. Provider, its employees, and agents assigned at Credit Manager, Inc. are not attorneys and are not authorized to give legal advice; therefore, no recommendation from said parties should be received as legal advice.
16. CUSTOMER AUTHORIZATION
Customer grants Provider authorization to communicate with consumer reporting agencies for the purpose of disputing, challenging, or requesting reinvestigation of information appearing in Customer's credit file, and to submit any required statements, declarations, or dispute forms on Customer's behalf as necessary to perform the services described in this Agreement, including submitting information to consumer reporting agencies or the Consumer Financial Protection Bureau (CFPB). This authorization is valid for the duration of this Agreement and serves as Customer's written consent for all dispute-related communications. Customer further authorizes Provider, under the Limited Power of Attorney granted in this Agreement, to sign any dispute-related forms or correspondence required by consumer reporting agencies in connection with the submission or continuation of disputes initiated on Customer's behalf.
17. GENERAL
This Agreement contains the entire understanding between Customer and Provider relating to the subject matter of confidentiality and service deliverables in regard to this specific service plan. This Agreement may be modified only in writing signed by Provider and Customer. This Agreement is deemed to have been made and entered into exclusively in the State of FL. This Agreement and its enforcement shall be governed exclusively by the laws of the State of FL, without regard to its conflict of law provisions. Any legal or equitable action concerning this Agreement shall be initiated only in FL; and both parties agree that FL shall be the sole and exclusive venue for resolving any disputes between the parties to this Agreement. Customer agrees to defend, indemnify, and hold Provider and its members, managers, employees, and agents harmless from and against any and all claims, demands, actions, liabilities, costs, or damages arising out of Provider’s provision of services to Customer under this Agreement or Customer's breach of this Agreement, except for claims, demands, actions, liabilities, costs, or damages arising out of Provider’s gross negligence, willful misconduct, or alleged violation of law.
18. ACKNOWLEDGEMENT
I acknowledge and attest that the information I, the Customer, will provide to Provider at any time now and in the future to be true and correct to the best of my knowledge and belief. Any material misstatements of fact made by myself to Provider will relieve Provider of any further obligation or responsibility to render services under this Agreement. I acknowledge that I am signing this service agreement without being sold or encouraged to buy services over the telephone. I understand that this credit repair process does not guarantee a credit score increase or guarantee my approval for credit-required products such as, but not limited to, loans for mortgage, automotive, personal use, commercial use, higher learning and other financial products. I further understand such guarantees are deemed illegal by the FTC’s Credit Repair Organization Act (CROA) and I cannot demand or require an increase to my credit score, or demand or require specific negative accounts or a specific number of negative accounts to be removed from my credit report to accept work performed by Provider as completed or delivered. When submitting documents online, Customer agrees that his or her digital signature is equivalent to a handwritten signature as provided in The Federal E-Sign Act.
BY SIGNING BELOW, I HEREBY ENTER INTO AND AGREE TO BE BOUND BY ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT AND TERMS OF SERVICES FOUND ON PROVIDER’S WEBSITE AT credit-doctors.com. FURTHER, I ACKNOWLEDGE I HAVE READ THIS AGREEMENT IN ITS ENTIRETY AND FULLY UNDERSTAND THE CONTENTS OF THE AGREEMENT PRIOR TO SIGNING BELOW.
I, THE BUYER, MAY CANCEL THIS AGREEMENT AT ANY TIME BEFORE MIDNIGHT ON THE 5TH WORKING DAY AFTER I HAVE SIGNED IT. I ACKNOWLEDGE THE ATTACHED NOTICE OF CANCELLATION FORM. I FURTHER ACKNOWLEDGE AND AGREE TO THE TOTAL COSTS OF THESE SERVICES AND AM AWARE THAT NONPROFIT BUDGET AND DEBT COUNSELING SERVICES EXIST.
IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES.
NOTICE TO CUSTOMER: DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT. YOU ARE ENTITLED TO A COPY OF THIS AGREEMENT.
IF YOU, THE BUYER, HAVE BEEN DENIED CREDIT WITHIN THE LAST 60 DAYS, YOU MAY OBTAIN A FREE COPY OF THE CONSUMER CREDIT REPORT FROM THE CONSUMER REPORTING AGENCY. YOU ALSO HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION IN A REPORT. YOU MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE 5TH BUSINESS DAY AFTER THE DATE YOU SIGNED IT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.
The FTC and State Laws require the Provider to keep this document with your file for a minimum of two (2) years after the Agreement is executed. The FTC regulates credit bureaus and credit repair organizations.
NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within 5 working days from the date the contract is signed.
If you cancel, any advanced payment made by you under this contract must be returned within 10 working days following receipt by the seller of your cancellation notice.
To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to
Credit-Doctors1439 Bartow Road, Suite 121, Lakeland, FL 33801or emailed to help@credit-doctors.com no later than midnight, December 12, 2025.
I hereby cancel this transaction.
CUSTOMER
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NOTICE: Above are copies of the Notice of Cancellations for you to print out and mail to us if you intend to cancel this service in the future. You may proceed below and sign if you agree to the terms of this Service Agreement.
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Signed by Brian Dockery Signed On: December 5, 2025
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Document Name: CREDIT REPORT AUDIT & CHALLENGE AGREEMENT
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