TERMS OF USE

You should make a copy of any form you send to us to keep for your records. After making copies of correspondence from the credit bureaus please forward that correspondence to us as soon as possible. Our only concern is to help you improve your credit score, obtain loans and the credit that you deserve and need. Our services are for those of you who do not have the time, knowledge or inclination to do this type of work.

Membership with GoBancCredit, Inc. ("GoBancCredit"), gives you access to our wide array of financial services. This includes credit consultation and may include credit restoration and other credit related services. You authorize us to contact you regarding these services and services provided by various partner organizations as part of your membership.

Scope of Services
The purpose and scope of these Terms of Use are that Client and GoBancCredit are entering into a Client Services Agreement. GoBancCredit will assist the Client in credit related matters and is authorized by Client to perform services including, but not limited to: setting up the Client's file, providing assistance in obtaining Client's credit reports, evaluating Client's credit reports, communicating with and informing Client of his/her rights under the Fair Credit Reporting Act and the Equal Credit Opportunity Act, assisting the Client in the process of removing or correcting obsolete, incorrect, misleading, and inaccurate information from his/her credit reports that is not in compliance with the Federal Fair Credit Reporting Act ("FCRA") and the Fair and Accurate Credit Transactions  Act (“FACT”) and other credit related services. GoBancCredit cannot, by law, and does not guarantee any results from the work performed. However, GoBancCredit does extend a money-back warranty; please see the section below or on GoBancCredit entitled "Warranty". GoBancCredit cannot guarantee the amount of time each Client will need GoBancCredit 's services.  This agreement’s duration is one month, automatically renewing until cancelled, but not exceeding 6 months.  GoBancCredit also does not guarantee that Client will receive new credit or loans, credit cards, mortgages, etc. as a result of GoBancCredit's services. We do feel that GoBancCredit's program can be helpful in obtaining new credit and more favorable terms on credit if we improve your credit score, but obviously each credit decision is decided by the credit grantor and we can in no way guarantee their approval. GoBancCredit makes every effort to legally improve your credit reports to the best possible status. GoBancCredit follows the guidelines set forth in the FCRA and FACT and we stay current on all new laws enacted to protect consumers from the derogatory information that is reported on credit reports.  Each Client should be aware of the availability of nonprofit credit counseling services to help them with their credit problems.

Client Agreement
GoBancCredit commits to working diligently assisting the Client. GoBancCredit will submit items for removal to the Credit Bureaus based on its professional judgment without jeopardizing GoBancCredit's ability to challenge such items. Client agrees to provide GoBancCredit with any and all information, in a timely manner, needed to facilitate the services to be provided to Client. Client authorizes GoBancCredit, its employees and servants to prepare all necessary correspondence, either written or digital, relating to GoBancCredit's services and to submit to GoBancCredit any additional information required to legally support those services. Client agrees to immediately forward all correspondence from the credit bureaus, creditors or others relating to services provided by GoBancCredit to GoBancCredit. Client agrees to the terms of the Limited Power of Attorney found below. Client understands that all disputes must be true and accurate to the best of Client's knowledge and that GoBancCredit will not produce any information that is not accurate to the best of GoBancCredit's knowledge.  Client agrees that they have been provided with a dispute form to list items they believe are incorrect, obsolete, unverifiable, or not meeting the requirements of the FCRA (the “Dispute Ledger”) and Client agrees to complete the Dispute Ledger to the best of his/her knowledge.  GoBancCredit will request verification of all obsolete, incorrect, misleading, inaccurate, unknown and unverifiable information, as requested by the Client, and will use every legal means of removing such negative data from Client's reports so that Client can restore their credit history to a most favorable status. GoBancCredit does not change, or advise Client to change, Client's identification, social security number or any other personal data in an effort to gain credit under a different identity. Client understands that GoBancCredit is contracting to help Client with problems in the way Client's credit is being reported by the credit bureaus and GoBancCredit does not provide debt negotiation services nor do GoBancCredit’s services in any way affect any legitimate debts or payments owed to third parties by the Client.

Billing
A reasonable membership fee will be assessed after Client agrees to join GoBancCredit's financial services network. This fee covers all initial financial services other than credit restoration for each Client.  This includes unlimited credit consultation and the informational materials supplied to each Client. The services listed in this paragraph represent an independent and separate contract between the Client and GoBancCredit. If a recurring, per month fee is billed, the recurring payment will start one month after the Client joins GoBancCredit's financial services network and continuing monthly on that day of the month as described immediately below, until Client is completely satisfied, but not exceeding 6 months. In addition to credit consultation, GoBancCredit provides credit restoration services. If the Client determines that credit restoration is the best course of action to help improve his/her credit problems, GoBancCredit agrees to help the Client with those services. GoBancCredit commits to working diligently for Client in assisting the Client with various credit services. Client agrees that each month will be regarded as a completely separate and independent contract, with a one month contractual period, between the Client and GoBancCredit. Each contract runs from the previous billing date (the date the Client joins GoBancCredit is the first previous billing date) until one day prior to the subsequent billing date. GoBancCredit will bill the Client the day after the expiration of the previous contractual period and will bill only for the work done in that previous contractual period (the amount of work done in each contractual period may vary, but the same recurring fee will be assessed). At the conclusion of each contract, a new contract for services, with the same terms, will automatically be in effect for the next contractual period until either the Client or GoBancCredit cancels the then current contract for services or 6 months have passed since registration. Client agrees to these charges and agrees to be automatically billed on the dates specified above and by the method of payment the Client has provided. Client agrees to allow GoBancCredit or its agents to automatically bill Client's specified account on their behalf for GoBancCredit's services. GoBancCredit requires at least three days notice prior to your billing date for a change in billing information, billing charge, or form of billing. Client agrees that any payment that is not received on the applicable billing date is still due and owing to GoBancCredit and may be charged subsequent to that date. Client also agrees to pay a $15 service charge for any payment returned, declined or not approved for any reason. Client further agrees that they will make no unsubstantiated or fraudulent claim for a "chargeback" or reversal of billing by GoBancCredit. If such claim is made GoBancCredit shall be entitled to $500 in liquidated damages. These liquidated damages shall not limit any other remedies or damages for which the Client may be responsible. Client is responsible for all charges due and owing as stated above and shall not be refunded money once it has been billed by GoBancCredit. However, Client does have the right to cancel his/her membership anytime within 5 days after joining GoBancCredit's network. Client may cancel at anytime by sending written notice to GoBancCredit and billing will stop at that time, provided such cancellation is received 3 days prior to the next billing date.  Client agrees that at any time in the future this contract may be transferred or sold to a similar service as GoBancCredit’s service, providing such service provided similar service at comparable prices.

Limited Power of Attorney
As a member of GoBancCredit you agree to give GoBancCredit a limited Power of Attorney. This limited Power of Attorney is used only to help you with credit related matters and may not be used outside of the scope of services described in this Terms of Use. Client agrees to give and appoint GoBancCredit, Inc., it's officers, employees and agents, assistants this limited Power of Attorney on Client's behalf for, but not limited to, the following matters: signing of my name on correspondence addressed to the credit bureaus (or acting on my behalf with electronic correspondence), signing of my name on correspondence addressed to creditors, obtaining credit information over the telephone, fax, or electronically through written or electronic correspondence from credit bureaus, creditors or collection agencies, and perform all those things necessary and proper in GoBancCredit's professional judgment on Client's behalf to perform the services stated in this Terms of Use. I further authorize GoBancCredit, Inc., its agents, servants and employees to obtain any information in my credit report that may involve medical records and/or credit records. I hereby direct said record holder to release such information upon the request of the bearer of the authorization to release information and durable Power of Attorney for limited purposes. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records, Credit Bureau, (Trans Union, Equifax, Experian, CSC, etc…) consumer reporting agency, retail business establishment, lending institution, student loan agencies (public and/or private), including whatever kind, which may at any time result to me, my heirs, family or associates, because of compliance with this Authorization to release Information, or any attempt to comply with it. Client has the right to revoke or terminate this Power at any time. This Power shall terminate at the Client's request or when the services stated above are complete: All questions pertaining to validity, interpretation and administration of the Power shall be determined in accordance with the laws of the State of California. This power is valid throughout the United States. Client agrees to hold harmless and indemnify GoBancCredit for any claim or expense arising from use of this Power of Attorney.

Information Statement
We are required by the Federal Trade Commission and State Laws to Keep This Document with Your File.
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 up to 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 5 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: contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

Scope of Services:
GoBancCredit will assist you in credit related matters and is authorized by you to perform services including, but not limited to: setting up your file, providing assistance in obtaining your credit reports, evaluating your credit reports, communicating with and informing you of your rights under the Fair Credit Reporting Act and the Equal Credit Opportunity Act, assisting you  in the process of removing or correcting obsolete, incorrect, misleading, and inaccurate information from your credit reports that is not in compliance with the Federal Fair Credit Reporting Act ("FCRA") and/or the Fair and Accurate Credit Transactions  Act (“FACT”) and other credit related services. A reasonable membership fee will be assessed after you agree to join GoBancCredit's network. This fee covers all initial services other than credit restoration for each Client.  This includes unlimited credit consultation and the informational materials supplied to you. The services listed in this paragraph represent an independent and separate contract between you and GoBancCredit. If the recurring, per month fee is billed, starting one month after you join GoBancCredit's network and continuing monthly on that day of the month, until you are completely satisfied, but not exceeding 6 months.  You should be aware of the availability of nonprofit credit counseling services to help you with your credit problems.

GoBancCredit conducts is business through the internet with a principal business address of 5703 Oberlin Drive, Suite 207, San Diego, CA 92121.  The agent authorized to receive service of process for GoBancCredit, Inc. is: Michael Speltz. 

Service Warranty
GoBancCredit warranties the success of its work by offering some or all of the client's money back if enough disputed items aren't deleted or positively modified. We want you to only pay us if the program works for you. After twelve months, if the client requests it, GoBancCredit will add up each deleted or improved credit listing and will assign a value of $50 to each such item (if you have less than 5 total negative items the value is $100 per item). If that total is not greater than the total fees paid by the client, the difference will be refunded.

This should not be understood to mean that GoBancCredit would charge its regular fees plus $50 per deleted item. Rather, the $50 per deleted item is simply used as a value to help GoBancCredit and the client calculate the program's success.

For example, at the end of twelve months you have forwarded credit reports every ninety days (this must be done for the warranty to be applicable) and completed your commitments to the service. You originally had 10 negative listings on each of your credit reports that you wanted removed. Your Experian report deleted 6 listings but 4still remain, Trans Union deleted all 10, and Equifax deleted 9 and 1 item still remained. That means:

Now, imagine that at the end of twelve months your results were not so good (this is only an example and results should be much better than shown below). You have forwarded credit reports every ninety days and completed your commitments to the service, but the bureaus refused to remove certain items. You originally had 10 negative listings on each of your credit reports that you wanted removed. Your Experian report deleted only 1 listings and left 9 remaining, Trans Union deleted 1 and 9 items still remained, and Equifax deleted 2 and 8 items still remained. That means:

While the second example shows results that are very low for someone who has forwarded sufficient credit reports, it is a good example of how the warranty works.

Again, it is important to emphasize that, even when GoBancCredit gets results far beyond your warranty amount, you do not owe any more money. The warranty valuations are just so that you can feel comfortable in knowing that GoBancCredit has a stake in helping you to achieve a high level of success.

Additional Information
GoBancCredit has the right to change the rights and terms of this agreement at any time (including fees) and you agree the publication of such changes on our website is sufficient notice to you of such changes. GoBancCredit operates legally and adheres to the FCRA, and no one, including GoBancCredit, can tell you that accurate and verifiable information can be removed from your credit reports. Client agrees that Client is aware that GoBancCredit will only operate within FCRA and can not and has not promised that accurate and verifiable information can be removed from your credit reports. Client agrees that he/she is only paying for services already performed at all times. Client agrees to indemnify, defend and hold harmless GoBancCredit, Inc. and all of its owners, directors, officers, agents, employees, affiliates (all together, the "Indemnified Parties") from any and all liabilities, claims, suits or other actions arising out of this Terms of Use, or your breach thereof, or any use of such or any performance of the services herein by GoBancCredit, including any and all attorney's fees and costs. You should cooperate as fully as possible with GoBancCredit if any such action should arise and should not take any action if such action should arise without the consent of GoBancCredit. This agreement shall be construed under the laws of the State of California.  If any part of this agreement shall be found invalid or unenforceable the remainder of this agreement shall remain valid and in effect.

GoBancCredit makes no representations as to its website and it is only intended to be informational. Client agrees that these Terms of Use is the only agreement between GoBancCredit and the Client. All information on the website is published without warranty and Client should rely only on this Terms of Use as to the relationship between the Client and GoBancCredit. GoBancCredit shall not be responsible in any way for any losses or damages resulting from its website or any loss of data, inaccurate information, or any other damages for providing the services in this Terms of Use.

Digital Signatures
Client agrees that their digital signature is equivalent to their handwritten signature as provided in The Federal E-Sign Act. Client agrees that by completing the sign-up process and joining GoBancCredit's financial services network they are certifying that their digital signature is equivalent to their handwritten signature as provided by The Federal E-Sign Act.

Agreement
Client agrees that they have read this Terms of Use, their Consumer Credit File Rights Under State and Federal Law, and that they are signing each section of this Terms of Use, their Consumer Credit File Rights Under State and Federal Law, and each agreement in the process of sign-up with their digital signature.

ONLY SEND THIS TO US IF YOU ARE CANCELING YOUR SERVICE

Notice Of Cancellation

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 5^th day, which begins after the date the contract is signed by you.  To cancel this contract, mail or deliver a signed dated copy of this cancellation notice or any other written notice to GoBancCredit at 5703 Oberlin Drive, Suite 207  San Diego, CA 92121, before midnight on:

________________

(5th business day from the date you signed your contract)

I hereby cancel this transaction.

Dated: _____________________

Signature: ___________________________________________