NLB

Na’Comi Lewis – Berman

70 Sklar St
Ladera Ranch, CA 92694
PHONE: (858) 525-2744 or (949) 429-1699
FAX: (903) 663-4817

CONTRACT FOR CREDIT RESTORATION SERVICE

This contract is entered into by and between Na’Comi Lewis-Berman (hereinafter referred to as
“NLB”), Credit Restoration Specialist, and ___________________________________ (hereinafter referred to as
“Debtor(s)”) for the purposes of attempting to repair Debtor(s) three major credit reports of inaccurate
and/or negative information. Whereas Debtor(s) understands that under the Fair Credit Reporting Act,
Debtor(s) has/have the right to review and dispute the accuracy of items contained within each of the
three major credit bureaus credit reports, using a process which allows reports to be corrected, clarified,
and/or upgraded according to the provisions of this act, and that NLB procedures are not outside this law,
but rather a series of innovative organizational structures and systems of verification, disputation, and
negotiation strategies intended to result in a better credit report with which Debtor(s) is/are attempting to
re-establish good credit,

And

Whereas NLB is in the business of processing and issuing the necessary documents to the Credit Reporting
Bureau(s) for the correction, addition, and/or removal of information pertaining to Debtor(s) credit files.
Debtor(s) understand that NLB will be drafting and forwarding to credit bureaus and creditor(s) on
Debtor(s) behalf, and in Debtor(s)name, letters disputing negative and/or inaccurate items in efforts to
improve Debtor(s) credit profiles by challenging items which are believed to be incorrect, outdated, or
unverifiable.

And

Whereas NLB will continue this process until all inaccurate and/or negative information is removed or 120
days, whichever comes first. NLB agrees that if negative and/or inaccurate information remains after 120
days, NLB and Debtor(s) will discuss the specific entries and determine the appropriate plan of action.
Depending on the action agreed upon, additional fees may be required. Please see the fee schedule below.

And

Whereas NLB has made no guarantee that all negative entries can or will be removed from Debtor(s) credit
reports. NLB does not offer debt consolidation and will not make any payments on Debtor(s) behalf as the
services provided by NLB is strictly for credit restoration. PLEASE NOTE that, legitimate negative entries
cannot and will not be removed from a Debtor(s) credit report illegally by NLB; only time, a conscious
effort, and a personal debt repayment plan will improve a credit report. NLB will be more than happy to
counsel Debtor(s) on good credit habits to ensure healthy spending & payment habits moving forward.

DEBTOR(S) RESPONSABILTIES

Whereas Debtor(s) agrees to visit www.annualcreditreport.com and/or contact each bureau individually to
request a copy of their most current credit report and provide all three to NLB no later than the 4 th business
day after the date of which this contract was signed and dated by both parties.

EQUIFAX PO BOX 740256 Atlanta, GA 30374

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 (800) 685-1111 Allen, TX 75013 PO BOX 2000
www.equifax.com (800) 397-3742 Chester, PA 19022
www.experian.com (800) 888-4213
EXPERIAN www.transunion.com
PO BOX 2002 TRANSUNION
And

Whereas Debtor(s) is/are desirous of having NLB process the necessary documents in Debtor(s) name
in order to help Debtor(s) remove erroneous debts for purchases never made, wrong or incorrect
charge amounts, outdated information, and/or help Debtor(s) to establish or re-establish credit on
Debtor(s) behalf for a fee.

And

Whereas Debtor(s) understands and agrees that amended credit reports are routinely returned to the
Debtor(s) home address; Thus, Debtor(s) agrees to forward copies of any such received reports to
NLB within 5 business days. Furthermore, Debtor(s) agrees that if it has been longer than 60 days
since any type of correspondence has been received from any of the three credit bureaus he/she will
contact NLB promptly.

And

Whereas Debtor(s) agrees to provide NLB copies of any requested documentation needed in efforts to
prove inaccurate and/or negative information to NLB within 3 business days. Debtor(s) understand
and agrees that failure to provide such documentation in a timely manner could result in termination
of this contract and a forfeit of any fees that have been paid to date.

Example: If the credit report reflects that the Debtor(s) home address is inaccurate, a copy of
Debtor(s) driver’s license or current household bill reflecting current address may be needed
to complete the correction. Debtor(s) would be responsible for providing NLB copies of any
documents in his/her possession that would aid in proving Debtor(s) assertions.

Documents may be furnished to NLB as follows:

E-mail: nacomi@cox.net
Fax: (949) 429-1699
Mail: 70 Sklar St, Suite 906
Ladera Ranch, CA 92694

*Debtor(s) may cancel NLB’s services at any time; however, no refund of the initial
50% payment will be made if NLB has began the agreed upon work, and said work was
performed accurately proceeding the initial three day termination period outlined above
and below.

*Debtor(s) agrees and understands that by law NLB cannot and will not take any
action regarding credit restoration for the first 3 business days following the date that
this contract was signed and dated. In addition, NLB will not take any action prior to
receiving all three major credit reports from (each) Debtor.

*Debtor(s) is/are aware that each of the actions to be performed by NLB can be
performed independently by Debtor(s); however, NLB has been retained to perform this
service on his/her behalf.

*Debtor(s) agrees that by signing this contract he/she understands that under no
circumstances will NLB request a removal of accurate derogatory information from any of
the three credit bureaus as these can only be remedied with time, diligence and good
payment history.

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 * Debtor(s) understands that “You may cancel this contract without penalty or
obligation at any time before midnight of the 3rd business day after the date on
which you signed the contract.”

See attached “Notice of Cancellation” for a full explanation of this right.

FEE DESCRIPTION

NLB requires a one-time, non-refundable file setup fee of $50.00 ($25.00 additional for
spouse/partner) due at the time of contract signing.

NLB also requires a refundable consultation fee of $75.00 (No additional fee for spouse/partner) due
at the time of contract signing. This fee is refundable given that Debtor(s) cancels services within the
“3 day” specified timeline and manner below. After the “3 day” period following contract signing and
the three major credit reports have been provided to NLB, NLB shall consult, either via phone, e-mail
or in person with Debtor(s) to the findings in each CRA’s report to determine the next course of
action. Following the consultation, the above mentioned consultation fee is no longer refundable and
shall be considered paid for services rendered. The next required action shall be decided by the
Debtor(s) by selecting one of the fee packages outlined below.

FEE PACKAGES

By initialing on the provided line, the selected package shall become part of this contract.

Package A - Flat Fee

Initial_______ Initial_______

NLB will require a flat fee of $400.00 ($300.00 additional for spouse/partner) for services which
include:

a. Identification of derogatory information contained within each profile

b. Development and implementation of strategic plan for removal of derogatory items
c. Monitor development in profile as it is processed and communicate updates to
Debtor(s)
d. Service of disputing inaccurate and/or derogatory information outlined below on
Debtor(s) three credit reports for a period of 120 days
e. Minimum of eight correspondence letters to CRA’s chosen at NLB’s discretion based
on Debtor(s) credit profile needs. Correspondence with any agencies other than
CRA’s shall be considered additional services and identified below.
f. Reasonable e-mail & phone correspondence for the duration of this contract
g. Upon contract completion provide constructive consultation and advice to ensure a
healthy credit/payment history moving forward
h. Assign an accurate and reasonable time frame for contract completion should
Debtor(s) require an excess of repair not outlined in this contract
i. Postage, copy fees and any other office expenses that may be required to
accurately represent Debtor(s)

A payment equal to 50% of the amount of the Flat Fee cited above shall be retained prior to
commencement with the services identified above. The balance of the Flat Fee shall be collected at
the conclusion of this contract.
*Items not specifically identified above, shall be considered additional services/fees at the discretion of NLB.

Additional fees:

Whereas Debtor(s) understands the following additional fees are solely at the discretion of the
Debtor(s).

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 1) Debtor(s) understands that if letters and/or communications are made to a creditor
(such as a collection agency, credit card company, etc.), an additional fee of $20.00 per
creditor may be charged. Prior to any correspondence, NLB shall seek the approval of
Debtor(s).

2) Debtor(s) understands that in certain cases, there may be a need to purchase

additional copies of credit reports or FICO scores. If this occurs, Debtor(s) will be
required to purchase & supply any credit reports.

3) Debtor(s) understands and agrees that bankruptcies; rent and mortgage payments,
motor and recreational vehicles, judgments, tax liens, student loans, government and
court-related items are outside the scope of this contract. These items can be
corrected, and if possible, removed for a fee of $275.00 per item.

4) Debtor(s) understands that NLB can also be hired to negotiate and settle a legitimate
negative entry between Debtor(s) and any entity which remains on Debtor(s) credit
reports after all efforts described above have failed to remove the negative credit entry
for an additional agreed upon fee.

Example: If Creditor owes $1200 to a credit card that is charged off. A collection agency and/or
credit card company may be willing to accept less than $1200, close the matter, and mark the
Creditor’s report as “paid in full” thus making the credit entry positive as opposed to negative.

Package B – Line-Item Fee

Initial_______ Initial_______

NLB will require a fee stipulated by selected Line-Item services from the list below.

Description of Service Fee/Occurren Qty Sub-Total Initial

ce
Complete update of personal data $125.00
Credit Fraud Alert $ 50.00
Inquiry update, correction, validation, dispute $125.00
Consumer statement dispute $125.00
Verification of debt to collection agency $125.00
Collection dispute $125.00
Collection good-will $125.00
Late-Pay (past 30, 60, 90 days) $125.00
Late Pay (over 91 days) $125.00
Credit item dispute $125.00
Charge-Off (to bad debt or included in BK) $125.00
Profit & Loss $125.00
Student Loans (or bank) $300.00
Bankruptcy $350.00
Judgment $350.00
Repossession $350.00
Foreclosure $350.00
Tax Lien (State or Federal) $350.00
One-time DIY credit repair consultation $200.00
Follow up questions preceding the DIY consultation shall be
billed on a per case basis at an hourly rate of $50.00 (no
partial hours).
Non-Refundable file set-up fee $50.00

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 (Spouse/Partner ) $75.00
Refundable consultation fee $75.00
TOTAL

A payment equal to 50% of the amount of the stipulated sum cited above shall be retained prior to
commencement with the services identified above. The balance of which is to be collected at the
conclusion of this contract.

**Please note, that if Debtor(s) prefers all correspondence between NLB and Credit Bureaus and
Creditor(s) be certified mail, additional fees will apply at cost

**Receipts are always available for review upon request**

By signing below, I, Debtor(s), affirm that I agree to all the terms contained within this
contract and that, I/we have received the following documentation in accordance with the
FCRA:

1. “Limited Power of Attorney”

2. Debtor(s) “Right to Cancel”
3. Consumer Credit File Rights under Federal and State law

SIGNED this ___ day of _____________________, 20___. ______________________________

(Debtor(s) signature)

______________________________
(Debtor(s) signature)

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 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 or any
other written notice to NLB at the address provided below before midnight of
______________________________________.

NLB
Attn: Na’Comi Lewis-Berman
70 Sklar St, Suite 906
Ladera Ranch, CA 92694

All monies with the exception of the above outlined non-refundable file set up fee will be refunded to
Debtor(s) within 15 business days of cancellation.

I hereby cancel this transaction, SIGNED this ___ day of

_____________________, 20___.

______________________________
(Debtor(s) signature)

______________________________
(Debtor(s) signature)

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

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 to NLB at the
address provided below before midnight of ______________________________________.

NLB
70 Sklar St, Suite 906
Ladera Ranch, CA 92694

6|Page Contract for Credit Restoration Service

 All monies with the exception of the above outlined non-refundable file set up fee will be refunded to
Debtor(s) within 15 business days of cancellation.

I hereby cancel this transaction, SIGNED this ___ day of

_____________________, 20___.

______________________________
(Debtor(s) signature)

______________________________
(Debtor(s) signature)

Please keep one copy for your records

LIMITED POWER OF ATTORNEY

Na’Comi Lewis-Berman, hereinafter referred to as “NLB”

___________________, hereinafter referred to as “Debtor(s)”

NLB will make every effort to improve and restore Debtor(s) credit. To do so, NLB will need permission from Debtor(s) to
draft and sign letters to the credit bureaus in his/her name. By granting NLB this Limited Power of Attorney you, Debtor(s),
give NLB permission to draft, sign and send said letters on your behalf.

Debtor(s) agree and understand that his/her signature below is a Limited Power of Attorney and authorizes NLB to represent
you, the Debtor(s), under the Fair Credit Reporting Act and other laws. Debtor(s) agree and understand that he/she may cancel
this authorization at any time by sending NLB an email or letter retracting authorization. Please note that by doing so, NLB will
no longer be able to represent Debtor(s) and as such all contracts will be voided.

This form is a limited power of attorney and will be used for the sole and only purpose of helping
Debtor(s) with the restoration of his/her credit.

I / We, ________________________________________, a resident(s) of_____________________ county, of the

State of _____________________give NLB power of attorney, in and for my/our behalf, as set forth in the
following credit restoration matters only. Signing of correspondence addressed to the credit bureaus,
signing of correspondence addressed to creditors, obtaining information over the telephone, fax, and
internet, through written or online correspondence from credit bureaus, creditors, or collection
agencies. If mediation of a debt is necessary I give NLB the right to discuss information to help
resolve a debt. My signature below constitutes my approval for NLB, to act as my agent. I further
authorize NLB bearing this release or copy thereof within 120 days of this date, to obtain any
information in my credit report that may involve medical records and/or credit records. I hereby direct
said record holder authorization to release any requested information upon the presentation of this
durable Limited 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 Bureaus (TRW, TransUnion, Equifax, Experian), consumer
reporting agencies, retail business establishments, lending institutions, 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. Should there be any questions as to the validity below. I have the right to revoke or
terminate this Limited Power of Attorney Release; you may contact me as indicated below. I have the
right to the Limited Power of Attorney at any time. This Limited Power of Attorney shall terminate 6
months from the date of execution set forth below. All questions pertaining to validity, interpretation
and administration of this Limited Power of Attorney shall be determined in accordance with the laws
of the State of California. This Limited Power of Attorney is valid throughout the United States and all
information set forth in the paragraph above by signature below.

7|Page Contract for Credit Restoration Service

 SIGNED this ___ day of _____________________, 20___.

______________________________
(Debtor(s) signature)

______________________________
(Debtor(s) signature)

8|Page Contract for Credit Restoration Service