INITIAL CONSULTATION
COST: Free of Charge [minus cost of credit report(s), score(s), and / or credit monitoring membership(s)]
Included with service:
1) Walk client through the process of attaining current credit reports & scores from the 3 major credit reporting agencies. (Equifax, Transunion, & Experian)
2) Review & assess the Client's current credit standings, & consult with the client as to the information contained within their credit report(s).
3) Discuss Credit Repair strategy options with Client including consulting information, pricing quote, & recommended actions that the client perform if / when the Client decides to purchase the service.
Included with service:
1) Walk client through the process of attaining current credit reports & scores from the 3 major credit reporting agencies. (Equifax, Transunion, & Experian)
2) Review & assess the Client's current credit standings, & consult with the client as to the information contained within their credit report(s).
3) Discuss Credit Repair strategy options with Client including consulting information, pricing quote, & recommended actions that the client perform if / when the Client decides to purchase the service.
CREDIT WELLNESS CENTER cannot quote an exact price for service prior to reviewing the Client's credit reports / scores, & discussing details with the Client directly. Exact pricing is determined at the time of the Initial Consultation, based on the Client's SPECIFIC credit situation. That being said, here is pricing on a "typical" Client who enrolls in the Credit Wellness Center's 6 month Credit Restoration Program.
CREDIT AUDIT SERVICE
COST: $200 (Due AFTER Credit Wellness Center performs all 4 actions listed below in "Included with service")
ONE TIME SERVICE & CHARGE ONLY
Included with service:
1) Review and assess the Clients current credit standings, and consult with the client as to the information contained within their credit report.
(This is performed during Initial Consultation)
2) Enter all applicable data from Client’s credit report into secure internal database.
3) Client’s file is prepped and investigations/challenges plotted to include the items that Client has indicated to be reporting erroneously per the Client’s affirmation.
4) Company will then prepare the individual investigations and/or challenges to each of the three major credit reporting agencies (Experian, Trans Union, and
Equifax) and send them.
(Note: Audit Service expected to be complete shortly after Client's signing of Credit Restoration Agreement)
ONE TIME SERVICE & CHARGE ONLY
Included with service:
1) Review and assess the Clients current credit standings, and consult with the client as to the information contained within their credit report.
(This is performed during Initial Consultation)
2) Enter all applicable data from Client’s credit report into secure internal database.
3) Client’s file is prepped and investigations/challenges plotted to include the items that Client has indicated to be reporting erroneously per the Client’s affirmation.
4) Company will then prepare the individual investigations and/or challenges to each of the three major credit reporting agencies (Experian, Trans Union, and
Equifax) and send them.
(Note: Audit Service expected to be complete shortly after Client's signing of Credit Restoration Agreement)
CREDIT REPAIR SERVICE
Cost: $100 (Due AFTER Credit Wellness Center performs all 8 actions listed below in "Included with service")
RECURRING SERVICE & CHARGE, ROUGHLY EVERY 45 CALENDAR DAYS
Included with service:
1) Assist in the update, correction, or removal of any item that is found to have been reported erroneously or inaccurate.
2) Periodic reviews and analysis of Client’s credit status.
3) Continually receive and processing manual/automatic updates for Client.
4) Respond to, receive, and/or initiate correspondence via telephone, online, email, facsimile, or regular mail on behalf of client
5) Create a strategic plan to assist Client in meeting Client’s goals, upon request of Client.
6) Create letters, emails, an email address, faxes, or electronic communications to the applicable creditors, collection companies, public record offices, and the
three major reporting agencies in the attempt to correct or remove errors and other items appearing on the Client’s credit reports which Client indicates to be
inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act on the Client’s behalf.
7) Conducts follow up via phone, email, or regular mail with Client to discuss Client’s status and strategy.
8) Assist Client with credit/financial related questions to the best of our ability.
(Note: Credit Repair Service is completed & fee is charged roughly every 45 calendar days)
RECURRING SERVICE & CHARGE, ROUGHLY EVERY 45 CALENDAR DAYS
Included with service:
1) Assist in the update, correction, or removal of any item that is found to have been reported erroneously or inaccurate.
2) Periodic reviews and analysis of Client’s credit status.
3) Continually receive and processing manual/automatic updates for Client.
4) Respond to, receive, and/or initiate correspondence via telephone, online, email, facsimile, or regular mail on behalf of client
5) Create a strategic plan to assist Client in meeting Client’s goals, upon request of Client.
6) Create letters, emails, an email address, faxes, or electronic communications to the applicable creditors, collection companies, public record offices, and the
three major reporting agencies in the attempt to correct or remove errors and other items appearing on the Client’s credit reports which Client indicates to be
inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act on the Client’s behalf.
7) Conducts follow up via phone, email, or regular mail with Client to discuss Client’s status and strategy.
8) Assist Client with credit/financial related questions to the best of our ability.
(Note: Credit Repair Service is completed & fee is charged roughly every 45 calendar days)
CREDIT REPAIR SERVICE TERM
The usual term for the Credit Wellness Center Credit Repair Service is 6 calendar months from date of Credit Restoration Agreement signing. (unless otherwise stated in your agreement) Using this most common situation as an example, here is how the pricing for your Credit Restoration Program would work:
Day 1: Initial Consultation & Credit Audit Services completed
Day 6: Client is charged (for work already completed) $200 for Credit Audit Service
Day 45: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 45: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 90: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 90: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 135: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 135: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 180: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 180: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Total cost for Credit Wellness Center Credit Restoration Program (in this example) = $600 paid over a 6 month period
Day 1: Initial Consultation & Credit Audit Services completed
Day 6: Client is charged (for work already completed) $200 for Credit Audit Service
Day 45: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 45: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 90: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 90: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 135: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 135: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Day 180: After client's new report is ordered & uploaded into client's secure portal, Credit Wellness Center will complete Credit Repair Service tasks for the coming 45 days.
Day 180: Client is charged (for work already completed) $100 for Credit Repair Service performed over the past 45 days.
Total cost for Credit Wellness Center Credit Restoration Program (in this example) = $600 paid over a 6 month period
REFUND / CANCELLATION POLICY
You may cancel your contract without any penalty or obligation within five business days from the date the contract is signed. If you cancel, any payment made by you to Credit Wellness Center LLC for services annotated in your Credit Restoration Agreement will be returned to you within 15 days following receipt by Credit Wellness Center of your cancellation notice. To cancel your Credit Restoration Agreement, mail or deliver a signed, dated copy of the cancellation notice found in your Client Agreement to: Credit Wellness Center, LLC.,
1464 Madera Rd. #N110
Simi Valley, CA 93065
Client may also terminate Credit Restoration Program at any time for any reason. Company may terminate Credit Restoration Program at any time due to Client's non-compliance with said agreement. Client will be liable for fees due to Credit Wellness Center for services already performed at the time of termination. Client understands & agrees that once Credit Wellness Center has drafted & mailed correspondences to Creditors or Credit Bureaus during process of Credit Restoration Program, Client agrees to pay the upcoming fee to pay for the work already performed, even if Credit Wellness Center does not have results of performed work until predesignated upcoming date.
1464 Madera Rd. #N110
Simi Valley, CA 93065
Client may also terminate Credit Restoration Program at any time for any reason. Company may terminate Credit Restoration Program at any time due to Client's non-compliance with said agreement. Client will be liable for fees due to Credit Wellness Center for services already performed at the time of termination. Client understands & agrees that once Credit Wellness Center has drafted & mailed correspondences to Creditors or Credit Bureaus during process of Credit Restoration Program, Client agrees to pay the upcoming fee to pay for the work already performed, even if Credit Wellness Center does not have results of performed work until predesignated upcoming date.
HOW DO YOU PAY FOR CREDIT RESTORATION PROGRAM?
All payments for Credit Restoration Programs are paid via pre-authorized ACH Debit or Credit Card. Fee schedule of dates & amounts will be annotated in your Credit Restoration Agreement. Account to be used for Client payments will be supplied by Client to Credit Wellness Center via the Payment Authorization disclosure provided in your Credit Restoration Agreement.
Credit Wellness Center accepts Credit / Debit Card payments from the below listed Credit / Debit Card vendors.