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									TWS Credit Restoration Signup Form
TWS Credit Restoration
Licensed and Registered with the Texas Secretary of State
Bonded by: Trinity Universal Insurance Company

Trent Smith, President
Karissa Garz a, Assistant
8212 Ithaca A ve
Lubbock, TX 79423
Ph. (806) 589-0091

I understand that TWS Credit Restoration has helped hundreds of clients drastically improve their credit
by an average of 50 to 200 points by forcing the credit bureaus to prove negative items on customer
credit reports. I also understand that on average, TWS Credit Restoration is able to remove about 50% of
derogatory items on credit reports, but cannot guarant ee that your score will increase or you will be able
to buy a home due to there being many factors that influence a credit score. We do guarantee 8 items
removed from an individual’s report or 12 from a couple’s (See details of the guarantee below).

Signature - Client 1

Print Name

Signature - Client 2 (If applicable)

Print Name - Client 2 (If applicable)
TWS Credit Restoration

TWS Credit Restoration
Licensed and Registered with the Texas Secretary of State
Bonded by: Trinity Universal Insurance Company

What to Expect :

Brief Overview

Here is a brief overview of what to expect over the next several months: about two to three
weeks after we receive your credit files, you will receive a "thank you" letter from each Credit
Reporting Agencies (CRA); don't worry if you don 't get one from each of them, not everyone
does. Sometimes they also send "Anti-Credit Repair" letters, please do not worry about these
letters. Remember they do not want you to repair your credit, it is going to cost them time and
money and then they will ultimately lose money ! W e do, however, need you to keep of all the
letters you receive from the three CRAs referring to when updated reports would arrive, as we
may need these items at a later date. If you get any kind of letter from them and you want to
call the office or fax it to us that will be fine. If they ask you to call or mail them anything, do not
do it! It is their responsibility to verify the information; you do not have to provide them with
anything, except address verification. If they request additional ad dress verification or a copy
of your SS Card, please forward it to them as quickly as possible.

Also, a word of warning, the CRAs do not like credit repair at all! It makes their job harder (they
make no profit from it) and it makes them look bad to their subscribers. A person with "bad
credit" has 70% more inquiries on their file than a person with "good credit" ; think about that for
a minute, every time a credit file is pulled the CRAs make money (in between three and five
dollars apiece)! So do they want you to fix your credit, absolutely not! Therefore, do not be
surprised if you get some "junk mail" warning you about "credit repair agencies", it is mailed out
randomly so you may not get any at all. The CRAs may send you a letter requestin g you to
notify them of our company. Please disregard their attempts to discredit our business, you can
feel safe doing business with TWS Credit Restoration! Remember, the CRAs are NOT
government agencies; they are for-profit multi-million dollar companies that collect and sell your
personal information!

After an additional 45 days, if you have not received a report from all of the agencies, e-mail or
call the office and we will send a demand letter to that company. When you have all three
updated reports, please make a copy and send it to us. Please do not fax updated reports to the
office! We will review them and proceed to the next step if necessary . Also, you should not
apply for any credit until this process is finished.

You must keep paying all the bills you are currently paying on in a timely manner! Do not
start paying old collection accounts; contact us if you receive anything on an old debt If
you are currently making payment to a collections agency, please notify us.

Thank you
TWS Credit Restoration
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 rep ort 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

You have the right to cancel your contract with any credit repair organization for
any reas on within 3 business days from the date you signed it .

Credit bureaus are required to follow reasonable proc edures 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 inaccurat e or incomplete information. The
credit bureau may not charge any fee for this service. Any pertinent information
and copies of all documents you have conc erning 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 burea u, 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'.
Welcome to our Credit Repair Service! There are a few things that the Federal Trade
Commission (FTC), State of Texas, and TWS Credit Restoration want you to know.

 1. The Consumer Reporting Agencies (CRA ) are NOT government agencies, they are for profit,
multi-million dollar corporations that gath er and sell your private pers onal information, to
creditors, insurers, employers, landlords, and companies that solicit you for credit and insurance
offers. They also sell your private personal information to telemarketing companies and mailing
list companies.

2. The CRA must remove or correct inaccurate or unverifiable information. The CRA is not
required to remove accurate information from your file unless it is outdated or cannot be verified.

3. The FTC worries that you may have undergone such financial hardship, that our fees are too
difficult for you to afford. If this is the case, then our services may not be for you. The last thing
we want for our clients is to become a financial burden.

4. We also want to make sure you are aware of your rights under State and Federal law, so we are
giving you a letter from the FTC entitled "Cons umer Credit File Rights Under State and
Federal Law".

5. You can notify the credit bureaus yourself of a dispute; you also have the right to hire a
company to attend to this matter for you. It is a time consuming task, which takes organization
and persistence to complete. We at TWS Credit Restoration have the knowledge and experience
you can trust to get the job done!

6. TWS Credit Restoration is subject to regulations in Chapt er 393 of the Texas Finance Code.
For your protection, you may proceed against the surety bond we are required to obtain under
Section 393. 302 of the Texas Finance Code. We are bonded by Trinity Universal Insurance
Company 10000 N. Central Expwy. Dallas, TX 75231

7. As a consumer, you have a right to review information maintained in your file by a consumer
reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.c. Section 1681 et seq.).
Information in your consumer file is available for review:

        * Without charge on request made to the consumer reporting agency not later than the
        30 day after the dat e on which the agency receives notice the consumer has been denied

        * For a minimal charge at any other time;

8. As a consumer, you have the right to dispute directly with a consumer reporting agency the
completeness or accuracy of an item cont ained in the consumer's file maintained by the agency .

9. Accurate Information cannot be permanently removed from the files of a consumer reporting

10. Most Consumer information on your credit report becomes obsolete after seven years. Tax
liens stay on 7 years from the date PAID. Bankruptcy information can be reported for 10 years. A
consumer reporting agency is prevent ed from issuing a report containing obsolete information.

11. It is also important to note the availability of nonprofit credit counseling services available to
assist you. I, the undersigned, understand, and have rec eived a copy of, my rights under State and
Federal Law, I am not in a position of financial hardship, and I understand that I can dispute information
on my own credit reports. Nevertheless, I have requested the assistance of TWS Credit Restoration in
correcting the incomplete, inaccurate, and unverifiable information being report ed on my credit report

TWS Credit Restoration
8212 Ithaca A ve Suit e E14
Lubbock, TX 79423
Phone: 806-589-0091


General Terms and Conditions:

A. This Credit Repair Service Contract between Trent Smith. dba TWS Credit Restoration and
the undersigned "Client" (refers to both in case of a couple) is for the purpose of purchasing credit report
repair and improvement services (the "Services"). The Servic es will include preparation of
correspondence to credit bureaus to request removal of errors, misrepresentations, or unveri fiable
information, whic h the Client states appears on the credit reports which the Client has furnished TWS
Credit Restoration. This is not a debt consolidation or bill payment program. Federal law requires that
any unverifiable, outdated or erroneous information must be removed from consumer credit reports by
reporting agencies. TWS Credit Restoration agrees to use its best efforts to provide the Services, and wi ll
perform them in accordance wit h federal and state laws.

B. The Client understands that there will be a first work fee ($99 for an individual or $149 for a couple)
billed 5 days from the time this contract is signed and and that TWS Credit Restoration will analyze/audit
the Client's credit reports and develop a plan to delete, correct or change those negative items whic h can
be deleted, corrected or changed under current federal and state law during this contract. After the first
work fee for work done in the initial days, the cost is $89/month for an individual or $99/month for a
couple. This fee continues for 12 mont hs. These fees guarantee that 8 negative items will be removed
from an individual’s report, and 12 removed from a couple’s combined reports. Many times, an item is on
2-3 reports. If this item is removed from 2 reports, for ex ample, that counts as 2 removals. To qualify for
the money back guarant ee, customer must fax, email, or deliver all information from the credit bureaus
that arrive at customer’s home to TWS Credit Restoration with 15 days of receiving the documents. This
allows us to be more effective at meeting our guarantee. TWS Credit Repair will continue to attack the
items on your credit report upon receipt of the new documents. In addition, to qualify for the guarantee,
customer must stay on for the full 12 months, thus allowing TWS Credit Restoration to fulfill its
obligations. For each deletion under the guarantee, TWS Credit Restoration will refund $100. For
example, if only 6 items are deleted from an individual’s credit report, $200 i s refunded. If only 7
items are removed from a couple’s report, $500 is refunded. To obtain the guarantee, customer must
pull a new credit report on their own and present it to TWS Credit Restoration along with a li st of items
removed from the credit report. From this, we can deduct what the refund will be. If customer does not
present letters to TWS Credit Repair, within 15 days of receipt each time, the guarantee is void, however,
TWS Credit restoration will continue to re-attack some of the negative items targeted for deletion, even
though many may already have been delet ed. It is best, however, to provide us new reports so that this
does not happen. First Work fee and first 3 monthly payments are for first work & account setup and initial
letters that are sent out either in the first month or during the first 3 mont hs. Starting in month 4, more
letters are sent out. Monthly payments 4-8 pay for this service. In month 8, more letters are sent out and
more work is done for your report. Payments 9-12 pay for this servic e. Customer must remain a paying
client for at least 4 months to pay for all previous services that were performed in the initial months.
However, 12 months achieves better results and allows you to qualify for the g uarantee.
C. The Client agrees to send, via mail, all credit reports and/or correspondence received from credit
bureaus and/or creditors to TWS Credit Restoration within fi fteen (15) days after the date received. If the
Client has not received any credit reports or correspondence from the credit bureaus within 60 days after
the date of the initial Credit Report Analysis/Audit, the Client must notify TWS Credit Restoration.

E. By executing this Contract to obtain credit repair Services, Client grants TWS Credit Restoration during
the term of this Cont ract, a limited power of attorney, by and through its authorized representatives, to: 1)
 use the Customer Information that the Client provides in order to obtain from credit bureaus, c reditors,
collection agencies and other holders of records of Client's credit reports, Client 's credit history or ot her
creditor information for the Services; 2) sign correspondence to the record hol ders; 3) use Client's name
to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and
or through the internet from record holders; 5) to discuss information with any rec ord holders to help
resolve a debt if mediation of a debt is necessary. TWS Credit Restoration that its Authorized
Representatives have been alerted to the sensitivity of the Customer Information. As such, TWS Credit
Restoration will use its best efforts to ensure that Customer Information will be handled in a responsible
and professional manner. The Customer shall have the right to revoke or terminat e the limited power of
attorney provided under this Contract at any time upon written notice to TWS Credit Restoration.
Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions
pertaining to validity, interpretation and administration of this Cont ract shall be determined in accordance
with the laws of Tex as. Client agrees that Client's limited power of attorney is valid throughout the United
States for all Customer Information to be obtained by TWS Credit Restoration pursuant to this Contract by
the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of
the parties and there are no other promises or conditions in any other agreement whether oral or written.
This Agreement supersedes any prior written or oral agreements between the parties.

F. The client(s) agrees to indemnify and hold TWS Credit Restoration, their agents, brokers and
employees, harmless from all claims, losses, expenses, fees including attorney fees, costs, judgments
that may be asserted against the client(s) that res ult from the acts of omissions or result from
correspondence with the creditors or credit bureaus on your behalf. TWS Credit Restoration will attempt
to improve your credit score to the best of its ability but is not liable for any decreases in credit scores that
may or may not res ult.

Party receiving service s:

I have read and understand the terms and conditions of this contract and have read all statements here

Customer Signature 1


Customer Signature 2 (If applicable)


Please tell us how you would like is to handle negative items on
your credit report:

As a Credit Repair Organization we are not allowed to mak e a statement relating to a cons umer's
credit worthiness, credit standing, or credit capacit y that the person k nows, or should k now by the
exercise of reas onable care, to be false or misleading to a consumer reporting agency or a
person who has extended consumer credit to a consumer or to whom a consumer is applying for
an extension of consumer credit Therefore, it is essential that you tell us how to dispute your
negative items. From the Fair Credit Reporting Act " .... the consumer ..... may dispute with the
consumer reporting agenc y the accuracy or completeness of any information in a report. /I

SELECT ONE: Collections/ Charge-Offs/Late Payments/Public Records

__ Negative Items on my/our credit report are not mine and I was never late
I/we have no knowledge of the negative items

__ Negative Items on my/our credit report are unverifiable.
__ All negative items are mine/ours.


I certify that the above information is true and correct to the best of my knowledge, and TWS Credit
Restoration did not advise me on what to select.

Customer Signature Client 1


Customer Signature Client 2 (If applicable)

You, the buyer, may cancel this contract. without any penalty or obligation. before
midnight of the third day after the date of this transaction. See attached notice of
cancellation form for an explanation of this right.


You, the buyer, may cancel this contract, without any penalty or obligation, before midnight of the third
day after the date the contract is signed. If you cancel any payment made by you under this contract,
TWS Credit Restoration will return it within 10 days following rec eipt of your cancellation notice. To cancel
contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to:

TWS Credit Restoration
8212 Ithaca A ve Suit e E14
Lubbock, TX 79423

Today’s date is ______________

Final Cancellation Date: 3 days from today

    I hereby Cancel this transaction on: __________
  ________________________ Purcha ser's/Customer’ s Signature
  ________________________ Purcha ser's/Customer’ s Signature (Client 2. If applicable)


You, the buyer, may cancel this contract, without any penalty or obligation, before midnight of the third
day after the date the contract is signed. If you cancel any payment made by you under this contract ,
TWS Credit Restoration will return it within 10 days following rec eipt of your cancellation notice. To cancel
contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to:

TWS Credit Restoration
8212 Ithaca A ve Suit e E14
Lubbock, TX 79423

Today’s date is ______________

Final Cancellation Date: 3 days from today

    I hereby Cancel this transaction on: __________
  ________________________ Purcha ser's/Customer’ s Signature
  ________________________ Purcha ser's/Customer’ s Signature (Client 2. If applicable)




   CUS TOME R SIGNA TURE:_______________________________

   CUS TOME R #2 SIGNA TURE (IF APPLICABLE):_______________________________

Select an Option:
___ Single Client: $99 First work Fee then $89/month. 8 item s guaranteed to be removed
     (Customer may stop work after four months, but 12 months recommended for maximum results
      and to qualify for the guarantee)
___ Husband and Wife/ Partners: $149 First work Fee then $99/mo. 12 item s guaranteed removed
     (Customer may stop work after four months, but 12 months recommended for maximum results
      and to qualify for the guarantee)

See Section B in General Terms and Conditions for Complete Guarantee Information.

Credit Card
CC #: _________________________
E XP Dat e: ______ / ________
CVV2: ____ (3 Digit # on Back)
Card Holder Name:_______________
Billing Address:__________________
Billing City:___________
Billing State: __________
Billing Zip: ______________

Check Payment
Routing #:_________________
Account #:_________________
Bank Name: _______________
Account Holder Name: _______________
Account Holder Address:__________________
Account Holder City:___________
Account Holder State: __________
Account Holder Zip: ______________

Or, Print and Mail Payment along with Signup Form, Copy of Social Sec urity, Copy of Drivers License to:

TWS Credit Restoration
8212 Ithaca A ve Suit e E14
Lubbock, TX 79423
(806) 589-0091

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