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We respect your privacy! Any
and all information collected at this site will be kept
strictly confidential and will not be sold, reused, rented,
loaned, or otherwise disclosed. Any information you give to
AACS Limited Company LLC. (AACS) will be held with
the utmost care, and will not be used in ways that you have
not consented to.
Resale or disclosure of
information to third parties: AACS does not sell, rent,
loan, trade, or lease any personal information collected at
our site, including membership forms or email lists.
Browser information collected
on the web site: Our web site logs are not personally
identifiable, and we make no attempt to link them with the
individuals that actually browse the site.
Terms & Conditions
By requesting our CAP membership, you agree to receive
e-mail from us. We will occasionally send you information
about updates to your file. You may remove yourself from
these mailings at any time, by letting us know if you would
rather be notified via U.S. Mail or via telephone.
Credit Repair Organization
Act Requires any consumer who enters into any contract with
any credit repair organization to be given (1) a copy of the
completed contract and the disclosure statement required
under section 405 and (2) a copy of any other documents the
credit repair organization requires the consumer to sign, at
the time the contract or the other document is signed.
Disclaimer Implied or
expressed guarantees do not apply; AACS Limited Company LLC. (AACS) will honor this guarantee only: While
AACS can not guarantee a complete restoration of your
credit; we do guarantee and state that we will IMPROVE your
credit. If we fail to do so, we will refund your money back.
Please note: if documentation requested from you, by us for
the credit repair, is not forwarded to our office the refund
policy will be void.
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
I (WE) the above signed do
hereby authorize this request, and understand that it may
result in an inquiry on my credit report(s). In addition I
also grant a limited power of attorney to AACS Limited
Company LLC. (AACS) Which authorizes it and it's employ to
do (only) the following: Request credit reports on my
behalf, challenge and verify various information on my
credit reports, and contact and converse with creditors and
file disputes to the credit bureaus on my behalf and affix a
signature to those disputes by my proxy. I understand that
this process takes between 30-90 days, depending on the
situation. I further understand that additional; time may be
needed in certain situations to ensure the best results. I
also agree to pay via cash, credit card, check, draft or
electronic debit, to pay $599 for an Individual or $995 for
a couple or a fee that both AACS and I agree to at signing
and is clearly designated in the 'fee box' on the
application form. This is refundable in the event that no
updates appear in my credit file. I also understand that
AACS does NOT charge for the actual credit restoration, all
charges are to cover membership dues and miscellaneous
expenses incurred while working my file. Furthermore I have
reviewed my rights (sec. 405 & sec.407) of the credit repair
organization act as required by the FTC and understand them.
Participation in the CAP program; submitting to AACS,
documentation , customer support request, and the like, also
constitutes acceptance of these terms and conditions
explained here. You may cancel this contract without penalty
or obligation at any time before midnight of the 5th
business day after the date you signed the contract on. See
the attached notice of cancellation form for an explanation
of this right.
SEC. 407. RIGHT TO CANCEL
CONTRACT (a) In General. -- Any consumer may cancel any
contract with any credit repair organization without penalty
or obligation by notifying the credit repair organization of
the consumer's intention to do so at any time before
midnight of the 3rd business day which begins after the date
on which the contract or agreement between the consumer and
the credit repair organization is executed or would, but for
this subsection, become enforceable against the parties. (b)
Cancellation Form and Other Information. -- Each contract
shall be accompanied by a form, in duplicate, which has the
heading 'Notice of Cancellation' and contains in bold face
type the following statement: 'Notice of Cancellation' 'You
may cancel this contract, without any penalty or obligation,
at any time before midnight of the 3rd 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 (Name of
Company) at (address of credit repair organization) before
midnight on 3rd day. It is further understood we will not
open any new accounts or apply for credit until this process
is complete. For this will affect your scores. We understand
this is a binding agreement and agree to these terms. |
