Service Agreement & Required Disclosures

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 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, D.C. 20580

New York residents: [ATTORNEY TO INSERT NEW YORK INFORMATION STATEMENT]

Service Agreement

Business: BankMeToday Credit, [LEGAL ENTITY NAME], [STREET ADDRESS, CITY, STATE ZIP].

1. What you're buying. Monthly access to a self-help software tool. You upload your own credit reports and financial statements. The software (a) reviews them for items that may be inaccurate, incomplete, outdated or not yours, (b) explains the factors affecting your credit, (c) drafts dispute and goodwill letters for you to review, sign and send yourself, and (d) gives you a written action plan. Up to 10 document reviews per month are included.

2. What we don't do. We do not contact credit bureaus or creditors for you, do not guarantee any result or score change, and cannot remove accurate, current, verifiable information. We are not a law firm and don't give legal advice.

3. Price and when you pay. $50.00 per month. Your card is saved when you subscribe, and each monthly charge is made only after that month's service period is complete. No setup, enrollment or upfront fees. To confirm your card is valid, we place a temporary $1.00 authorization hold when you subscribe and release it immediately; it is never charged, though your bank may show it as pending for a few days.

4. Estimated timing. Each document review is usually ready within a few minutes of upload. Credit bureaus generally have 30 days to investigate a dispute after receiving it.

5. Cancellation. You may cancel this agreement without penalty or obligation within 3 business days from the date you sign it (see Notice of Cancellation below). After that you may cancel anytime from the billing page in your account or by emailing support@bankmetoday.com; you won't be charged for any month that hasn't been completed.

6. Your documents. Uploaded files are deleted as soon as the AI review finishes. Your written reviews remain in your account until you delete them. See our Privacy Policy.

7. Electronic signature. By typing your name and checking the box, you sign this agreement electronically and agree to receive it and the disclosures electronically. You can print or save this page anytime.

[ATTORNEY TO REVIEW / ADD: NY GBL §458-f required contract contents, governing law, dispute resolution, state-specific terms and surety bond or registration information for any states that require it.]

Notice of Cancellation

You may cancel this contract, without any penalty or obligation, within three business days from the date the contract is signed. To cancel, email support@bankmetoday.com or mail a signed and dated copy of this notice, or any other written notice, to BankMeToday Credit, [STREET ADDRESS, CITY, STATE ZIP], not later than midnight of the third business day after you signed.

"I hereby cancel this transaction." Name: ____________ Signature: ____________ Date: ____________