Retainer Agreement and Disclosure Statement
1) You, the Client, are retaining Centurion Law ("Centurion") to work to improve your credit standing and credit score.
2) You authorize Centurion to contact the credit bureaus and your creditors on your behalf to challenge items appearing on your credit report, as determined by law.
3) You, the client, agree that this is a month to month agreement, that may be cancelled at any time and for any reason, with no obligation other than paying for the case work already completed.
4) You the client agree that while in many cases dramatic results are seen within 60 days of Centurion receiving your credit reports, it is impossible to predict the time required to achieve results in any specific case. It is also impossible to predict or guarantee the specific outcome or success of any situation and that no such predictions or guarantees are being proffered.
5) You agree to allow Centurion the ability to do all of the work and take all of the action required, and as permitted by law to enforce your pre-litigation rights. Specifically, you authorize Centurion to draft correspondence with the credit bureaus and creditors on your behalf. You specifically grant Centurion the authority to sign your name upon such letters and correspondence as necessary or required. This authority is referred to as a Limited Power of Attorney.
6) You agree to provide Centurion with 3 days prior notice if you change your email or mailing address, or wish to change your method of payment.
7) You agree that you are entitled to a refund of some or all of your money if, after remaining a "client in good standing" with Centurion for 12 months the term "Difference" in the following equation is a positive number; (Total fees paid to Centurion less (# of items deleted or improved multiplied by $55)=DIFFERENCE). If the term DIFFERENCE is a positive number this number is the amount you will receive as a refund. If the term DIFFERENCE is a negative number, congratulations, you have received services greater than what you have paid for. BUT DON'T WORRY, YOU WILL NEVER BE CHARGED FOR THIS DIFFERENCE, OR FOR ANY OTHER AMOUNT THAN THE INTAKE AND RETAINER FEES. YOU NEVER HAVE TO PAY $55 PER DELETION, WE OFFER UNLIMITED DELETIONS AND UNLIMITED DISPUTES AS PART OF YOUR MONTHLY RETAINER. THERE ARE NO HIDDEN CHARGES OR FEES, PERIOD.!
8) You agree to send Centurion copies of your credit reports from all three major credit bureaus (Experian, Equifax and Trans-Union) upon signing up. You also agree to send updated copies of your credit reports every 90 days while a client. You also agree to forward all correspondence received from the credit bureau or creditors to Centurion. You understand that these items are required for our firm to provide our services.
9) You understand that you may cancel this agreement for any reason without any penalty or obligation provided cancellation occurs before midnight of the fifth business day that you sign this agreement and become a client of Centurion Law Firm, Inc.
Cancellation may be effected by writing us at Centurion Law 2880 Bicentennial Pkwy, Suite 100-160, Henderson, NV 89044, or by sending an email to firstname.lastname@example.org. Please be sure to include your name, client number or social security number and reason for canceling.
10) You authorize Centurion to collect an initial client intake fee of $29 upon signing up and to collect a $29.00 retainer fee every month thereafter, for work completed during the preceding month, until you choose to cancel this agreement. In full compliance with all applicable laws, you will never be charged any portion of any fee until our services have been fully performed. Your low file set up fee is not charged until the entire service of establishing and setting up your file has been fully completed, and you are never charged our low monthly retainer until that entire months worth of valuable life changing services has been fully performed.
11) You understand that to be a "client in good standing" you must faithfully adhere to and abide by the terms and conditions set forth in this retainer agreement.
12) You agree to having read this complete agreement and the Mandatory Disclosure Statement provided below, and at several other locations on this website.
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 organization has the right to have accurate, current, and verifiable information removed form 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 three 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 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