TERMS & CONDITIONS

DESCRIPTION OF SERVICES TO BE PERFORMED.

Kamberly Report Pro agrees to perform the following personal services for the client, as needed to meet the qualifications for business funding.
A. Consultation and advice as required and as for proper bearing on general client financial issues.
B. Receipt, interpretation, analysis, and computer entry of consumer credit reports as provided or authorized by the client.
C. Timely disputes of information appearing on the consumer credit reports as noted in the Fair Credit Reporting Act. I5 USC, 1681-1681t (FCRA) as required.
D. Prepare necessary documentation on forwarding client authorized disputes to credit bureaus via regular mail for at least one (and up to three) credit reports as supplied by the client,
E. Review of client's case with the client as required on a monthly basis.
F Creation and maintenance of standard format consumer credit reports with information from the three major credit reporting agencies
G. Evaluate the previous response from credit bureaus and update files.
H. Establish the basis for credit auditing using the credit bureaus response.
I. Using their best judgment to re-audit, re-challenge, and verify accuracy by auditing the information being supplied to the credit bureaus by creditors
J. Written recording of client communication with the company.
K. Other services, as required and proper, bearing on the credit, debit, and financial situation of the client, as part of an ongoing training and education of consumer credit; as it directly impacts business funding in the formation and establishing any new business.
I, the undersigned. understand and agree to the above mentioned in addition to the following client commitments, as outlined on page 2.

2. CLIENT COMMITMENT
A. I (the undersigned) agree to forward the original copies of all correspondence from the credit bureaus, including consumer credit reports and all other correspondence to Kamberly Report Pro within 24 hours of my receipt of them.
B. I understand that it is my responsibility to notify Kamberly Report Pro on a monthly basis if I do not receive any report or notices. I understand that Kamberly Report Pro will be limited in its ability to provide the services outlined in the agreement if I do not notify them that I am not receiving reports from either, one of the three major bureaus.
C. I understand that it will be necessary for me to purchase or otherwise obtain credit reports from Equifax, Experian, and Trans Union, I understand that Kamberly Report Pro will be limited in its ability to provide the services outlined in the agreement if I do not provide the credit reports at the rate of one credit report per bureau every ninety days.
D. I agree to inform Kamberly Report Pro of any change of address within five days of such change, I will provide two legal forms with my name and current address. I understand that Kamberly Report Pro will be limited in its ability to provide the services outlined in the agreement if 1 do not provide a current and proper street address for myself
E : I understand that the success of the legal senses detailed herein depends heavily upon my fulfillment of these commitments.

 3. DISCLAIMERS
A, Since the success of the services outlined herein, depends on the completion of my commitments and the willingness of the Individual Credit reporting agencies to comply with the FCRA, I understand that Kamberly Report Pro can not guarantee any individual or specific results. Pertaining to this agreement, time is in, of the essence, and the desired outcome of's, legal services may require more or less than twelve (12) months.
R. I understand that the services detailed here may create renewed or increased action on the part of my creditors if there are outstanding obligations. Kamberly Report Pro recommends that all outstanding obligations are satisfied and they stand ready to assist the client in completing the settlement of all outstanding debts for an additional fee. However. I understand that Kamberly Report Pro is not responsible for renewed collection activity or other legal actions by my creditors.
C. I understand that the services detailed in this agreement may result in the removal of positive listings of credit from my consumer credit reports. I understand that I may contact these creditors at the completion of my case and request that they re-report the positive listings.
D. I understand that there may be other services suggested in the interest of my case and I understand that the fees paid for the services detailed in this agreement cover only the services detailed herein. This agreement does not include debt settlement, negotiation, nor debt consolidation. These services carry, additional fees ans are governed with separate legal requirements.  We are not lawyers and at no time should any advice be construed as or replace the guidance of a licensed attorney. Please seek legal counsel for any kind of legal advice or guidance.  We act in strict accordance with the FCRA an teach best practices as suggested by law. 

PRINTABLE COPY OF FAIR CREDIT REPORTING ACT 2023
https://www.ftc.gov/system/files/ftc_gov/pdf/fcra-may2023-508.pdf

4. FEES

A . I realize that if the bank retains my payment dishonored, I wilt be charged a $20 dishonored check charge.
B. I agree to maintain my credit monitoring on a monthly basis. I understand that if I allow my case
to become inactive for over 8 months. 1 will be responsible for a reactivation fee of $50.00 plus credit report fees as noted in section 2C.
C. I understand that these fees are not payment for credit repair service.  The above fees are to cover postage, and other misc. expenses associated with this specific area of my program that is not included in the coaching program. 
D. I understand that I will recieve a seperate, itemized statement of these expenses.
 

 5. LETTERS OF APPEAL
A. I understand that Kamberly Report Pro may create and sign correspondence on my behalf to communicate, my claims of inaccuracy, untimeliness or unverified items to the consumer credit bureaus as noted in Sections (1D) and (1I) and my initials indicate that I have authorized Kamberly Report Pro to do so.

 6. GUARANTEES
1. We work with all three major credit bureaus Experian. Equifax and Trans Union.
2. We use strategies and sections of the F.C.R.A. (1970).
3. Your negative information is permanently removed.
4. You receive an annual complimentary credit report once your credit is reestablished (upon request)
5. If you have old accounts that were deleted and appeared we will remove them at no extra charge.
6. Our results are guaranteed on the following condition, which supercedes all other terms in coaching program, and is the governing condition BEFORE all other terms.  You must maintain a minimum personal credit score of 680 with all three reporting agencies. This is the bare minimum requirements to qualify for business funding by lenders, until such time as your business has established a Paydex Score of 80 or better.  We are not responsible for denials or lack of funding as a result of poor financial planning, budgeting or any cause brought about by a direct action by some other person or entity other than Kamberly Report Pro LLC..
7. These terms are specific to the credit repair aspects of your program and pertain only to the work completed for that purpose. You further understand that is is not a credit repair service for hire, it is part on your ongoing education towards understanding your personal credit, how to read a credit report, what it means and how to exercise your options to dispute accordiung to the Fair Credit Reporting Act.