CREDIT REPAIR CONTRACT

This Credit Repair Contractt (the “Contract”) is entered into by and between Ready Now
Financial Services, LLC and ………………………………… (Hereinafter referred to as the
“Client”) on the …… day of…..…….. 2020.
WHEREAS, the Client and Ready Now Financial Services, LLC wish to enter into an
agreement under which Ready Now Financial Services, LLC will provide certain credit related
services to the Client.
IN CONSIDERATION of the mutual promises and other valuable consideration
exchanged by the Parties as set forth herein, the Parties intending to be legally bound,
HEREBY AGREE AS FOLLOWS:-
1. SERVICES
1.1 The Client hereby agrees to pay to Ready Now Financial Services, LLC the Amount of $…..
for an individual or $…… for a couple for the services listed in this Section.
1.2 Ready Now Financial Services, LLC hereby agrees to perform the following services for the
Client in return for payment by the Client of the agreed upon amount for such services: –
Administrative Service: This service is fully performed after the Client’s initial file set-
up and all necessary forms have been completed and reviewed.
Dispute Process: This service includes developing the best strategy to investigate the
inaccurate items for accuracy, and is fully performed after Ready Now Financial Services, LLC
has prepared and mailed a set of verification request letters or submitted the disputes online to
the credit bureau(s). This service will be completed after three (3) days and no later than seven
(7) days from the date the Client executes the Contract. Subsequent dispute cycles will be
completed as Ready Now Financial Services, LLC and the Client agree upon after the results
from the original Dispute Process are reviewed.
1.3 The Client hereby agrees, accepts and acknowledges that the services contained in this
Section are the only services Ready Now Financial Services, LLC has agreed to provide under
this Contract and that there have been no promises or guarantees of any future services or any
other kind of services not specified herein. Further, the Client agrees, accepts and acknowledges
that these are the only services the Client is paying for and the only ones the Client anticipates,
believes or expects Ready Now Financial Services, LLC to perform under this Contract.
1.4 Ready Now Financial Services, LLC and the Client hereby agree the period of time to
complete all services set forth in this section shall not exceed 180 days.

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2. PAYMENT TERMS
2.1 The Client understands and promises to pay to Ready Now Financial Services, LLC the total
amount of $…. for an individual and $…… for a couple for the full performance of the services set
forth in clause 1. Ready Now Financial Services, LLC will begin performance of the services
described in clause 1 above only after 3 days have passed from the date the Client executes this
Contract. Further, the Client can, as set forth below, cancel the Contract during this 3 day period
without any obligation to pay anything hereunder.
2.2 The Client may make up to three (3) payments towards the total amount due, each payment
being one third (1/3) of the total amount due. Three (3) payments towards a total of $…. would
each be $….., and three (3) payments towards a total of $…. would each be $…..
2.3 The Client understands the initial payment is due on the date the Client executes this
Contract. The second payment is due thirty (30) days after the initial payment, and the third
payment is due thirty (30) days after the second payment. The Client must notify Ready Now
Financial Services, LLC three (3) days in advance of each payment’s due date if a payment is
going to be late or needs to be rescheduled. Ready Now Financial Services, LLC does not charge
the Client if a payment is late, but the Client’s services described in clause 1 above will be
suspended until payment is made. In the event of a returned check or draft, a $…00 fee will be
assessed against your account. THE FIRST PAYMENT IS DUE ON THE DATE THE CLIENT
EXECUTES THIS CONTRACT.
2.4 The Client understands if payment is not made in accordance with this Contract, the Client
shall be in breach of this Contract and from the date of the breach, all of the Client’s services
described in clause 1 above will be suspended until payment obligations are made in accordance
with this Contract. The Client understands there are no refunds for services fully performed.
3. DISCLAIMER OF GUARANTEE OR WARRANTY
Ready Now Financial Services, LLC agrees only to perform the services specifically described in
clause 1 above. Results disclosed in testimonies received by Ready Now Financial Services,
LLC are not necessarily the results of the average client. The Client recognizes that every
consumer’s circumstances are different and that Ready Now Financial Services, LLC does not
represent or warrant that it will achieve specific results for the Client. Ready Now Financial
Services, LLC does not represent or guarantee that the Client will receive new credit or loans,
credit cards, or mortgages as a result of Ready Now Financial Services LLC’s services.

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4. GOVERNING LAW AND CREDIT SERVICE ORGANIZATION
4.1 Each of the Parties hereby agrees that this contract shall be governed by the laws of the state
of Ohio.
4.2 Both parties acknowledge that Ready Now Financial Services LLC shall be governed by the
Ohio Revised Code (O.R.C) § 4712.01 (C) (1.).
5. TERMINATION
Failure to honor the terms of this Agreement by any of the parties automatically terminates this
Agreement.
6. CONSUMER RIGHTS
"Credit Reporting Practices Rights of Consumers Under Ohio and Federal Law Under the federal
Fair Credit Reporting Act, you have all of the following legal rights: You have a right to obtain a
copy of your credit report from a consumer reporting agency. You may be charged a reasonable
fee. However, there is no fee if you have been turned down within the preceding sixty days for
credit, employment, insurance, or a rental dwelling because of information in your credit report.
The consumer reporting agency must provide someone to help you interpret the information in
your credit file. You have a right to dispute inaccurate information by contacting the consumer
reporting agency directly. However, neither you nor any credit services organization has the right
to have accurate, current, and verifiable information removed from your consumer reporting
agency report. The consumer reporting agency must remove accurate, negative information from
your report only if it is more than seven years old. Bankruptcy information can be reported for
ten years. Accurate information cannot be permanently removed from the files of a consumer
reporting agency. Credit reporting agencies are required to follow reasonable procedures to
ensure that creditors report information accurately. However, mistakes may occur. You may, on
your own, notify a consumer reporting agency in writing that you dispute the accuracy of
information in your credit file. The consumer reporting agency then must reinvestigate and
modify or remove inaccurate information. The consumer reporting agency must 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 consumer reporting agency. If reinvestigation does not resolve the
dispute to your satisfaction, you may send a brief statement to the consumer reporting agency to
keep in your file, explaining why you think the record is inaccurate. The consumer reporting
agency must include your statement about disputed information in any reports it issues about
you. Under Ohio law, you have a right to sue a credit services organization that violates the Ohio
Credit Services Organization Act. This law prohibits deceptive practices by credit services
organizations and gives you a right to cancel your contract for any reason within three business
days from the date you signed it."

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IN WITNESS WHEREOF this agreement has been duly executed by the parties hereto the day
and year first herein before written.
SIGNED by the CREDIT REPAIR COMPANY

PRINT NAME: Ready Now Financial Services LLC
SIGNATURE:
DATE:

SIGNED by the CLIENT

PRINT NAME:
SIGNATURE:
DATE:

"If you, the buyer, have been denied credit within the last sixty 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 third business day after the date you signed it. See the attached notice of
cancellation form for an explanation of this right."

CANCELLATION NOTICE

"Notice of Cancellation You may cancel this contract, without any penalty or obligation, within
three business days after the date the contract is signed. To cancel this contract, mail or deliver a
signed dated copy of this cancellation notice, or other written notice, to:
________________ at _____________________________________________________
(Name of Seller) (Address of Seller)
(Place of Business) Not later than midnight
______________________________________________ (Date) I hereby cancel this transaction.
Dated: __________________ ____________________________________________ (Buyer's
Signature)"

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"Notice of Cancellation You may cancel this contract, without any penalty or obligation, within
three business days after the date the contract is signed. To cancel this contract, mail or deliver a
signed dated copy of this cancellation notice, or other written notice, to:
________________ at _____________________________________________________
(Name of Seller) (Address of Seller)
(Place of Business) Not later than midnight
______________________________________________ (Date) I hereby cancel this transaction.
Dated: __________________ ____________________________________________ (Buyer's
Signature)"