1. Scope of Services

Company agrees to provide the following credit repair services for accounts that Client identifies as inaccurate and specifies a reason for disputing:

1. Review Client's credit reports from Experian, TransUnion, and Equifax.
2. Generate custom FCRA-compliant dispute letters for accounts Client attests are inaccurate, based on Client's stated reason for each account.
3. Print and mail dispute letters to credit bureaus via certified mail with tracking.
4. Provide Client with a progress tracking dashboard and email updates.
5. Perform unlimited rounds of disputes during the term of this Agreement, billed monthly. Client may cancel at any time.
6. Provide guidance on next steps based on bureau responses received.

2. Services Not Included

1. Disputing accurate, verifiable, current information. Company can only dispute items Client attests are inaccurate.
2. Legal, tax, financial, or investment advice.
3. Guaranteed removal of any specific item or guaranteed score improvement.
4. Business funding or LLC formation services (governed by separate agreements).

3. Client Responsibilities

1. Provide accurate identification and personal information.
2. Identify specifically which accounts Client believes are inaccurate and provide a reason for each.
3. Upload current credit reports from all three bureaus when requested.
4. Respond promptly to requests for bureau response letters or additional information.
5. Avoid applying for new credit during active dispute rounds where possible.
6. Notify Company promptly of any bureau responses received.

4. Fee Structure and Billing

Services are billed monthly. Payment for each monthly billing cycle is due at the beginning of that cycle and covers certified mail costs, processing, and letter generation for that cycle's round of disputes.

Selected Tier: ☐ Tier 1 ($99/month)   ☐ Tier 2 ($149/month)   ☐ Tier 3 ($199/month)

Services are billed monthly. Each monthly billing cycle covers one round of disputes including certified mail and processing costs. There is no cap on the number of rounds. Client may cancel at any time with written notice — the current month's fee is non-refundable once that round has been initiated.

Estimated Completion per Round: Approximately 30–45 days per round, subject to credit bureau response timelines. Total service duration depends on the number of rounds required.

No payment is processed until after the five (5) working day cancellation period has expired and Client has confirmed they wish to proceed with Round 1.

5. No Guarantee

Company makes no guarantee regarding the removal of any specific item, any improvement in credit score, or any specific outcome. Results depend on the credit reporting agencies' independent investigation. Accurate, verifiable, current information cannot legally be removed from a credit report regardless of dispute.

6. Cancellation and Refund Policy

1. Statutory cancellation period: Client may cancel without penalty before midnight of the fifth (5th) working day after signing. Refund issued within 15 days.
2. After cancellation period: Client may cancel at any time with written notice. Fees already paid for completed rounds are non-refundable. Fees paid for a round not yet initiated will be refunded within 15 days.
3. Cancellation method: Written notice to support@unlimitxxdsolutions.com or via the detached Notice of Cancellation form.

7. Limitation of Liability

To the maximum extent permitted by law, Company's total liability to Client for any claim arising out of this Agreement shall not exceed the total amount of fees actually paid by Client to Company under this Agreement. This limitation does not apply to, and shall not be construed to limit, any claims or remedies available under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.), the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.), the California Credit Services Act (California Civil Code §1789.10 et seq.), or any other applicable federal or state consumer protection statute.

8. Indemnification

Client agrees to indemnify and hold harmless Company from claims arising from Client's provision of inaccurate personal information or Client's independent actions after services are delivered. This indemnification does not extend to Company's own acts, errors, omissions, fraud, or violations of applicable law.

9. Attorney Fees

In any legal action arising from this Agreement, the prevailing party shall be entitled to recover reasonable attorney fees and costs, as determined by the court. This provision is mutual and applies equally to both parties.

10. Non-Circumvention

This Agreement does not restrict Client's ability to apply for credit independently. Client may seek credit services from any provider at any time.

11. Governing Law

This Agreement is governed by the laws of the State of California. Any dispute shall first be submitted to good-faith mediation. The parties consent to jurisdiction in Stanislaus County, California.

12. Entire Agreement

This Agreement, together with the Consumer Credit File Rights disclosure and Notice of Cancellation form, constitutes the entire agreement regarding credit repair services. Amendments must be in writing signed by both parties.

13. E-SIGN Consent

If this Agreement is executed electronically, Client consents to the use of electronic signatures and records under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. §7001 et seq.) and California Civil Code §1633.1 et seq. Client has the right to receive a paper copy of this Agreement upon request at no charge by contacting support@unlimitxxdsolutions.com. This Agreement requires a device capable of displaying PDF documents and a current web browser.