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Authorization to Release Information by Limited Power of Attorney


I/We hereby give Power of Attorney and Authorization to Release Information to my agents, at AltoCredit LLC or any person or persons duly authorized by them to:

  • Review a credit report,

  • Verify and discuss all information pertaining to my accounts, and

  • Obtain any and all information regarding my accounts.

 

 

Fee Schedule (Pay After Deletion): $149.00 -One time first work fee. Pay After Deletion, no contract. $55 each Account repaired or deleted/ per bureau $125 each Public Record removed / per bureau Credit monitoring service Requirement- During the credit repair process, AltoCredit will rely on the updated credit report provided by an AltoCredit approved credit monitoring service. The client is free to offer any service for credit monitoring as long as the credit monitoring service provides a full detailed report of all accounts listed on all 3 credit bureaus monthly. We must be able to pull a new credit report every month to track the changes to credit reports and credit scores.

AltoCredit's Client Agreement: A – Services-This agreement between AltoCredit Advisors and the undersigned (Client) is for the express purpose of credit report improvement. AltoCredit Advisors will attempt the removal of errors, misrepresentations, or unverifiable information, which the client claims to appear on the credit report(s), which has been furnished to AltoCredit Advisors. This is not a debt consolidation or bill payment program. AltoCredit Advisors agrees to act diligently in the pursuit of this matter, and will carry out this agreement within all Federal and States laws. B- Payment for Services-The client understands and agrees that they will be charged for all costs and fees associated with service(s) and processes completed, typically with a setup fee and a monthly fee dependent on the package chosen. AltoCredit Advisors agrees to

perform the service for this amount and states that there is no additional cost then the package discussed. The client understands that the monthly Dispute Audit includes the evaluation of all three credit bureaus reports and all correspondence associated with the dispute process. C – Correspondence- The client agrees to send a copy of all correspondence and credit reports to AltoCredit Advisors as soon as received. The client must notify AltoCredit Advisors if they have not received any credit reports or correspondence from the credit reporting agencies 45 days after the last correspondence from AltoCredit Advisors or the credit reporting agencies. D – No Term Contract-AltoCredit Advisors provides a no contract service to the client. There is no term to the contract. If the client

decides to cancel the monthly Dispute Audit at any time, client must communicate with AltoCredit Advisors to stop or suspended the Dispute Audit. The Dispute Audit is processed and serviced throughout the month prior to receiving payment. AltoCredit Advisors charge in arrears for their dispute writing services. This means AltoCredit Advisors will collect for services performed in the following month. If cancellation occurs, the monthly payment for the processes and

service(s) done by AltoCredit Advisors must be paid and finish in good standing. You will be responsible for the last charge in the 1 month following cancellation. E – Confidentiality-Due to the nature of this legal service, I understand that individuals that assist AltoCredit Advisors in this matter may view my file and its contents. All AltoCredit Advisors’ employees such as affiliates, processors and advisors have been alerted to the sensitivity of these documents. AltoCredit Advisors will take all reasonable measures to ensure that this information will be handled in a responsible manner. F – Client’s Ownership-The client represents that disputed items to the best of their knowledge are incomplete, inaccurate, obsolete, unverifiable, and misleading. The client understands that AltoCredit

Advisors cannot guarantee the removal of items which are not incomplete, inaccurate, obsolete, unverifiable, misleading or incorrect. G –Legal Role- The client understands that AltoCredit Advisors is not legal advisors and neither can they provide legal advice on any matter. H – Responsibilities-The client understands that AltoCredit Advisors is not responsible for any legal actions taken by creditors against the client mentioned in this contract prior, during or after our services. The client understands services provided are directly for use of disputing any information indicated above and not for any other use. I-Limited Power of Attorney- The client authorized AltoCredit Advisors for the sole purpose of acquiring, requesting verification

and disputing any information in regards to my credit report(s) to perform, or engage, in any act on behalf of the client necessary to accomplish the purpose and services of this contract. Such limited acts may include oral and written communications, and disputes. Credit Card Charge Authorization Client authorizes AltoCredit to charge debit card or credit card account. Debit payments will be charged monthly on a specific date of each month. Amounts debited will be $89.99 for pay-as-you-go plan OR up to $99.99 for pay-per-deletion plan. Any late/ returned payments are subject to $10 late fee. Late payments will forfeit any promotion and discounts given to a customer. All Parties have viewed and agree with the above statements. Credit Repair Organizations Act

• EXHIBIT B SEC. 405. DISCLOSURES • 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, 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'. • (b) Separate Statement Requirement.--The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. • (c) Retention of Compliance Reco

ds.-- • (1) In general.--The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. • (2) Maintenance for 2 years.--The copy of any consumer's statement shall be maintained in the organization's files for 2 years after the date on which the statement is signed by the consumer. Section 406. Credit Repair Organizations Contracts. (a) Written Contracts Required.—No services may be provided by any credit repair organization for any consumer— (1) Unless a written and dated contract (for the purchase of such services) which meets the requirements of subsectio

n (b) has been signed by the consumer; or (2) Before the end of the 3-business-day period beginning on the date the contract is signed. (b) Terms and Conditions of Contract.—No contract referred to in subsection (a) meets the requirements of this subsection unless such contract includes (in writing)— (1) The terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person; (2) A full and detailed description of the services to be performed by the credit repair organization for the consumer, including— (A) All guarantees of performance; and

(B) An estimate of— (i) The date by which the performance of the services (to be performed by the credit repair organization or any other person) will be complete; or (ii) The length of the period necessary to perform such services; (3) The credit repair organization’s name and principal business address; and (4) A conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumer’s signature on the contract, which reads as follows: ‘You may cancel this contract without penalty or obligation at any time before midnight of the 3rdd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.’ AltoCredit Advisors LLC. Privacy Policy AltoCredit Advisors LLC. (hereinafter "Company") is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what Company does to keep information about you private and secure. This Policy covers only information that you provide to Company or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions. Personal Information We Collect The personal information we collect about you comes from the following sources: ● Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over

the phone or in documents or applications, ● ● Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and ● ● Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations. We reserve the right to, and will, sell or transfer your personal information to third parties for any purpose in our sole discretion. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider. By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services. Your Choices/Opt-out We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to Company you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to aw your consent when such information is collected. Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address: AltoCredit Advisors LLC. 4351 Matilda Avenue Bronx, NY 10466 E-mail: advisorhelp@altocredit.com Phone: 631-880-9062 How We Protect Your Information We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. This Policy applies to current and former customers. If you have any questions, please contact AltoCredit Advisors LLC. at 4351 Matilda Avenue, Bronx NY 10466. Arbitration of Dispute: In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, consionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Bronx County, State of New York or in the county in which the consumer resides, in accordance with the Laws of the State of New York for agreements to be made in and to be performed in New York State. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally.In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination. Sec. 407. Right to Cancel Contract. Cancellation Notice NOTICE OF RIGHT TO CANCEL [or] NOTICE OF CANCELLATION RIGHTS • You may cancel this contract, without penalty or obligation, within Five (5) days after the date your enrollment payment is received. • • If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt by the seller of your cancellation notice. •

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to AltoCredit Advisors LLC. at above address, not later than midnight of the 5th day after your enrollment payment is received. • • I hereby cancel this transaction: DATE: ________________________ By: __________________________ _________________________ Client Client ___________________________ ____________________________ Printed Name Printed Name (c) Consumer Copy of Contract Required.—Any consumer who enters into any contract with any credit repair organization shall be given, by the organization— (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 required the consumer to sign, at the time the contract or the other document is signed.