CREDIT DISPUTE SERVICE AGREEMENT — PAY ONLY IF DELETED
Cheating Debt, doing business as Dispute On Demand
9500 Ray White Rd Suite 200
Fort Worth, TX 76244
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CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
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This disclosure must be read and signed before any services are provided.
You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no cost. You also have the right to request debt validation from collection agencies at no cost.
No credit repair organization can remove accurate, current, and verifiable negative information from your credit report.
You have the right to cancel this agreement within three (3) business days from the date of signing without penalty or obligation.
Client Signature: /s/ {{Signature}}
Date: {{today}}
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PREPARED FOR
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Name: {{First_Name}} {{Last_Name}}
Date: {{today}}
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AGREEMENT OVERVIEW
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I, {{First_Name}} {{Last_Name}}, enter into this agreement with Dispute On Demand for the Pay Only If Deleted credit dispute service.
Dispute On Demand is a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and agrees to comply with all applicable federal and state laws.
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HOW PAY ONLY IF DELETED WORKS
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Dispute On Demand prepares and delivers a dispute letter to the applicable collection agency on your behalf.
There is no charge when the letter is sent. Your payment method is stored on file but will not be charged unless and until written confirmation is received from the collection agency stating their intent to remove the account from your credit report and cease collection activity.
If no such written confirmation is received, no charge is made.
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SERVICES PROVIDED
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• Preparation and delivery of a dispute letter to the applicable collection agency asserting your rights and requesting validation.
• Review of your collection account to identify potential compliance issues under applicable law.
• Receipt and review of correspondence from the collection agency through a limited power of attorney.
• Courtesy guidance on next steps based on the collection agency's response. This guidance is not guaranteed and does not constitute legal advice.
• If written confirmation of deletion is received but not reflected on your credit report within 45 days, guidance will be provided on how to file a direct dispute with the credit bureaus.
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FEE STRUCTURE
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Fee: $100 per confirmed deletion
No payment is collected when your letter is prepared or delivered.
Your payment method may be validated with a temporary authorization, which is not a fee for services and will be released automatically.
The $100 fee is charged only upon receipt of written confirmation from the collection agency stating their intent to remove the account and cease collection activity.
If no written confirmation is received within 90 days of letter delivery, the engagement closes with no charge.
There are no setup fees, monthly fees, or subscription fees associated with this service.
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PERFORMANCE TIMELINE
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No services will be performed until after the expiration of the three (3) business day cancellation period required under federal law.
Following this period, your dispute letter will be prepared and delivered within a reasonable timeframe.
Responses from collection agencies may vary and are not guaranteed within a specific timeframe.
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CANCELLATION POLICY
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You may cancel this agreement without penalty or obligation at any time before midnight of the third (3rd) business day after signing.
If cancellation occurs within this period, no services will be performed.
After the cancellation period, you may cancel at any time by providing written notice.
If a deletion confirmation has already been received and the fee has been charged, the service is considered fully performed and is non-refundable.
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CLIENT RESPONSIBILITIES
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You agree to provide accurate and complete information required to prepare your dispute letter.
You agree to maintain a valid payment method on file during the engagement period.
You understand that correspondence from the collection agency will be received by Dispute On Demand through the limited power of attorney.
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LIMITATION OF SERVICES
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Dispute On Demand does not:
• Guarantee deletion or any specific outcome
• Guarantee credit score improvements
• Remove accurate, verifiable information
• Provide legal advice
You are encouraged to consult a licensed attorney for legal matters.
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TEXAS CONSUMER NOTICE
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If you are a resident of Texas, you are entitled to the protections provided under the Texas Credit Services Organizations Act (Texas Finance Code Chapter 393).
You have the right to review this contract before signing and to cancel this contract without penalty or obligation within three (3) business days from the date the contract is signed.
Credit service organizations are regulated by the Texas Secretary of State. If you have a complaint, you may contact:
Texas Secretary of State
P.O. Box 13697
Austin, TX 78711-3697
Phone: (512) 463-5701
Website: https://www.sos.state.tx.us
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ACKNOWLEDGMENT
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By signing below, you acknowledge that you have:
• Read and understood this agreement
• Received the Consumer Credit File Rights disclosure
• Been informed of your three (3) business day right to cancel
• Received no guarantee of results
• Understood that payment is only due upon confirmed deletion
• Authorized payment processing only upon confirmed deletion
Client Signature: /s/ {{Signature}}
Name: {{First_Name}} {{Last_Name}}
Date: {{today}}
IP Address: {{IP_Address}}
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3-DAY CANCELLATION NOTICE
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To cancel this contract, mail or deliver written notice to:
Dispute On Demand
9500 Ray White Rd Suite 200
Fort Worth, TX 76244
Cancellation must be received before midnight of the third (3rd) business day after signing.
I hereby cancel my agreement for credit dispute services.
Client Name: ______________________________
Client Signature: ______________________________
Date: ______________________________
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LIMITED POWER OF ATTORNEY AGREEMENT
Cheating Debt, doing business as Dispute On Demand
9500 Ray White Rd Suite 200, Fort Worth, TX 76244
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GRANT OF AUTHORITY
I, {{First_Name}} {{Last_Name}}, grant Cheating Debt, doing business as Dispute On Demand, a limited power of attorney solely for the purpose of facilitating the credit dispute service described in the accompanying agreement.
This authorization allows Cheating Debt, doing business as Dispute On Demand, to:
• Communicate with collection agencies regarding the specific dispute
• Submit dispute letters and related documentation
• Receive correspondence and responses on your behalf
• Follow up with collection agencies regarding dispute status
LIMITATIONS AND SCOPE
This power of attorney does not authorize Cheating Debt, doing business as Dispute On Demand, to:
• Open accounts
• Incur debts
• Make financial decisions on your behalf
• Communicate with credit bureaus unless separately agreed in writing
This authorization is limited to the specific dispute service and expires six (6) months from the date of signing or upon completion of the engagement. You may revoke this authorization at any time by written notice.
ACKNOWLEDGMENT
By signing below, you acknowledge that you have read and understood this limited power of attorney and agree to its terms.
Client Signature: /s/ {{Signature}}
Printed Name: {{First_Name}} {{Last_Name}}
Date of Birth: {{Birth Date}}
Date Signed: {{today}}
IP Address: {{IP_Address}}
