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					                    SYNERGY CREDIT SOLUTIONS LLC
                                  Credit Restoration Agreement




Synergy Credit Solutions LLC
Client Agreement & Instructions
                                      SYNERGY CREDIT SOLUTIONS LLC
                                                                Credit Restoration Agreement




Dear Customer,

      Your decision to hire Synergy Credit Solutions LLC for correcting errors and other
misleading information on your credit reports was an important step towards credit
freedom. We look forward to satisfying you with our results.


      With your commitment, our support, and our expertise we can get you on the
path to recovery. Success can be achieved. However, your patience is required as
success does not happen overnight.


      Inside this welcome package you will find the Credit Restoration Agreement,
important details on completing your credit restoration program, and what you can
expect in the months ahead. Once you have completed this paperwork, please enclose
your account information in the EFT section of this form for your first work payment to:
      Synergy Credit Solutions LLC
      PO Box 360033
      Melbourne, Fl. 32936
Thank you again for choosing Synergy Credit Solutions LLC.


Sincerely,
Synergy Credit Solutions LLC




          PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                      SYNERGY CREDIT SOLUTIONS LLC
                                                                Credit Restoration Agreement

                               CUSTOMER INSTRUCTIONS

STEP 1
Complete this agreement. Then fax or mail it to us.

_____ Have you initialed each line of the Disclosures and Acknowledgments (pgs 4-5)?

_____ Have you signed and dated the bottom of page 5?

_____ Have you filled out the New Client Information Form on page 6 and included the
      requested photocopies?

_____ Have you completed the Electronic Funds Transfer Authorization (page 7)?

_____ Have you signed Consumer Credit File Rights under State and Federal Law
      (page 8)?

Step 2
It will take 2-3 weeks from when we receive your agreement for you to receive your
current credit reports from the credit bureaus (one from each of Equifax, Transunion,
and Experian). These credit reports will show your current credit and do not yet reflect
any deletions from our work.

Immediately forward the originals of everything you get from the credit bureaus to us.
You can keep a copy for your own records.

Contact us if you do not get your first set of credit reports within 3 weeks. The credit
bureaus occasionally fail to respond so we will resume your process if this happens.

The credit bureaus may send you surveys and other paperwork. DO NOT respond to
them. Instead, simply forward everything to us.




          PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                      SYNERGY CREDIT SOLUTIONS LLC
                                                                Credit Restoration Agreement

Step 3

After your initial current credit reports, you will get new credit reports every 4-6 weeks
from the credit bureaus. These new reports will show which items were “deleted” and
which items were not yet removed. If you have not received this second round of credit
reports within 6 weeks from your original credit reports contact customer service.

Just as before, immediately forward the originals of everything you get from the credit
bureaus to us. You can keep a copy for your own records.

Make sure that your current name and address appear on the credit reports. If not,
make a note of it directly on the credit report and include your updated name and
address.

We will repeat this process for as long as you decide to continue your enrollment in the
credit restoration program. Every 4-6 weeks you will receive new credit reports from
each credit bureau (Equifax, Transunion, and Experian). Always forward the originals of
everything to us.

                                      WHAT TO EXPECT

• We cannot look up the status of your credit reports on demand. You will be the first
to know every 4-6 weeks when the credit bureaus send you updated credit reports.
PLEASE DO NOT CALL US TO LOOK UP THE STATUS OF YOUR CREDIT REPORTS SINCE WE
CANNOT DO THIS FOR YOU.

• Call customer service if 6 weeks have passed since your last set of updated credit
reports. You must inform us so that we can contact the credit bureaus regarding their
error.

• Your name and address information must be kept current and complete. Review the
name and address information on all of the paperwork you receive from the credit
bureaus to ensure that your name and address is correct and up to date. Make sure
that your current name and address appear on the credit reports. If not, make a note of
it directly on the credit report and include your updated name and address.



          PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                           SYNERGY CREDIT SOLUTIONS LLC
                                                                        Credit Restoration Agreement


                                 CREDIT RESTORATION AGREEMENT

                                      TERM OF AGREEMENT AND FEES

Our service is provided on a month to month basis. This agreement automatically renews each month
until you decide to cancel. Your fee for our first month of service is $270. The fee for each month of
service is $270 per month for four (4) additional months.

The estimated length of time to complete the project is approximately six (6) to nine (9) months. If,
after five (5) months of enrollment in our program, there remains any ORIGINAL items, we will continue
to work towards resolving those issues, free of charge. This is only for items that were present on your
credit report at the time of enrollment. If any ORIGINAL item reappears on your credit report after we
remove it we will remove it again one (1) additional time free of charge.

You should expect to see the first significant results within 60 days from when we receive your initial
paperwork.

                                          YOUR RESPONSIBILITIES

• Carefully read and complete all pages in this agreement.

• Provide us with all the information requested in the included “New Client Information Form”

• Whenever you receive paperwork from the credit bureaus you must IMMEDIATELY forward the
ORIGINALS of everything you receive to us (Equifax, Transunion, and Experian). You MUST send the
ORIGINALS. The credit bureaus will mail you paperwork approximately every 45 days during the
program.

• Contact customer service if you do not receive any mail from the credit bureaus for 6 straight weeks.

• Keep us updated of any changes to your address or your name.

                      Failure to follow these instructions may delay your results.

                                      HOW TO CANCEL OUR SERVICES

You may cancel our service at any time. If you wish to cancel, please contact customer service. If you
cancel our services, we will cease billing and discontinue service. Requests for cancellation must be
postmarked 14 days prior to your debiting date.




            PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                             SYNERGY CREDIT SOLUTIONS LLC
                                                                          Credit Restoration Agreement

        Month                                     COST                            DESCRIPTION
First Work                           $270.00, payable 5 days after we    Analysis of your credit situation,
                                     receive this agreement              credit verification audit,
                                                                         case setup, initial credit
                                                                         restoration processing
Work for Months #2-5                 $270.00 per month (length           Credit restoration services
                                     determined by you), paid via EFT

Work for Months #6 & beyond          free                                We continue working on your
                                                                         credit report until most of the
                                                                          ORIGINAL issues have been
                                                                          resolved

There is a $25 fee for each dishonored payment.


                                             QUALITY GUARANTEE

We are so confident that our services will produce satisfactory results that we guarantee our work. We
provide the following guarantees if you have met all of your responsibilities listed under “Your
Responsibilities” above:

        If we do not remove any items after three (3) challenges to the credit bureaus, you will receive a
        full refund.

        After 12 months of service, if there is a substantial portion of negative items still on your credit
        report that existed at the time of your enrollment, we will continue working to have the
        remaining original items removed free of charge until we achieve satisfactory results.

Please contact customer service if you have any concerns.

                                         DISCLOSURES & ACKNOWLEDGEMENTS

Please initial in the space provided for each disclosure

• _____________ Our program does not assist you with any debts. Any outstanding debts are your
responsibility.

• _____________ Every 4-6 weeks each of the three credit bureaus (Equifax, Transunion, and Experian)
will send you updated credit reports. You are responsible for sending us the originals of all documents
that come from the credit bureaus immediately upon receiving them.


             PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                           SYNERGY CREDIT SOLUTIONS LLC
                                                                        Credit Restoration Agreement

• _____________ We do not guarantee the time it takes to complete the program. However, we
guarantee that if you have paid for 12 months of service we will work free of charge starting in the 13th
month until we achieve satisfactory results.

• _____________ If you do not receive any updates or letters from the credit bureaus for 6 straight
weeks, it is YOUR responsibility to call us at 1-888-261-7403.

• _____________ If we have not heard from you for 6 months your account will be terminated and a
$300 restart fee will be charged to resume your process.

• _____________ If any item that was previously removed reappears on your credit report, we will
resume work to remove it again one (1) additional time free of charge.

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
THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.

ACKNOWLEDGED, AGREED TO, AND ACCEPTED BY:

Signature:

_______________________________________


Print Name:

_______________________________________


Date:

_______________________________________




              PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                              SYNERGY CREDIT SOLUTIONS LLC
                                                                             Credit Restoration Agreement

                                     NEW CLIENT INFORMATION SHEET


We need readable photocopies of the following

• a photocopy of your driver’s license

• photocopies of any 2 of the following for social security number verification:
       (a) social security card
       (b) pay stub, if your entire social security number is on it
       (c) last year’s W-2 or 1099 Form (no more than 6 yrs old) but NOT a 1040 Form!
       (d) military ID

• photocopies of any 2 of the following for name and address verification:
       (a) utility, landline phone, cable bills, or credit cards (only the actual bill itself, not the envelope)
       (b) a pay stub with your name and address
       (c) an insurance statement with your name and address
       (d) a bank statement with your name and address

Please fill out this form clearly and accurately

Name: (First, Middle, Last)                              Date:



Former Names: (all maiden/previous names):               Date of Birth:



Social Security Number:                                  Email:



Current Address:                                         Home Phone:

________________________________________

________________________________________                 Work Phone:

Length of Time at Current Address:

Occupation:                                              Employer:




              PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                                          SYNERGY CREDIT SOLUTIONS LLC
                                                                                              Credit Restoration Agreement

                                   ELECTRONIC FUNDS TRANSFER AUTHORIZATION FORM

Yes, I would like to take advantage of the security and convenience of electronic funds transfer scheduled for
periodic payments. As a duly authorized signer on the financial institution account identified below, I authorize:

One-Time               A one-time draft of $270.00 drafted 5 days after enrollment
Draft
                       A recurring monthly draft of $270.00 for four (4) months starting in the second month of
Recurring              enrollment.
Monthly Draft
                       I authorize funds to be drafted on one (1) Thursday each month on the First ____ Second ____
                       Third ____ Fourth ____ Thursday of each month (select one)
* Transaction will post on or after the date indicated.

Electronic funds transfer debits from the account for payments due or when applicable, apply electronic funds
transfer credits to the same.

Furthermore, if any such electronic debit(s) should be returned by my financial institution as unpaid (Non-
Sufficient or Uncollected Funds), I authorize, (Merchant) _______________________, to collect a returned item
fee of $25.00 (or the maximum amount allowed by state law) per item by electronic debit from the same account
identified below.

For accounting purposes, all electronic debits will be reflected on the monthly bank statement that corresponds
with the financial institution account identified below.

I understand and authorize all of the above.

AUTHORIZING SIGNATURE:_______________________________________________ DATE: _______________

Print Name: __________________________________________________________________________

**This authorization is to remain in full force and effect until MERCHANT has received written notification of its termination in such
time and in such manner as to afford MERCHANT a reasonable opportunity to act on it or until the term of the authorization
expires. Any such notice should be sent to the following address: PO Box 360033 Melbourne, Fl 32936


Financial Institution account “identifying information”:
Enter financial institution account information in the fields provided below or attach a blank VOID check.

                 Financial institution:                                 Branch:
Complete
Or Attach        City:                                                  State:                            Zip Code:
Blank
Voided           Routing/ABA #                                          Account #
Check


Need help identifying your Transit/ABA# and Account #? Look at the bottom of your check for:




                PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                                 SYNERGY CREDIT SOLUTIONS LLC
                                                                                 Credit Restoration Agreement

                     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 10 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 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, DC 20580



Signature:        ____________________________________

Date:             ______________




              PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998
                                           SYNERGY CREDIT SOLUTIONS LLC
                                                                       Credit Restoration Agreement

                                      NOTICE OF CANCELLATION

You may cancel this agreement, without any penalty or obligation, at any time before midnight of the
third (3rd) calendar day that beings the day after you agree to it by electronic communication or by
signing it.

To cancel this agreement during this period, mail or deliver a signed, dated copy of this notice, or any
other written notice to Attention Customer Service, Synergy Credit Solutions LLC PO Box 360033
Melbourne, Fl 32936-1203, before midnight central time on the 3rd day.

If you cancel this Agreement within the 3 day period, we will refund all money you already have paid us.

YOU ALSO MAY TERMINATE THIS AGREEMENT AT ANY LATER TIME USING THIS FORM, BUT WE ARE
NOT REQUIRED TO REFUND FEES YOU HAVE PAID US.

YOU MUST NOTIFY US OF A CANCELLATION AT LEAST 14 DAYS PRIOR TO YOUR NEXT DEBITING DATE
OR FUNDS WILL BE DRAFTED ON SCHEDULE.



                                                                I hereby cancel this transaction,

                                                                ______________________________

                                                                Print your name



                                                                ______________________________

                                                                Signature



                                                                ______________________________

                                                                Date




            PO BOX 360033 MELBOURNE, FL 32936 PHONE: 1-888-261-7403 FAX: 888-225-1998

				
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