Credit Repair — $77/mo

GATTIS CONSULTING SOLUTIONS — CREDIT CONSULTING AGREEMENT This Credit Consulting Agreement ("Agreement") is entered into between Gattis Consulting Solutions ("Company") and the undersigned client ("Client"). 1. SERVICES Company provides credit consulting services, including: a) Review and analysis of Client's credit reports from all three major credit bureaus (Experian, TransUnion, Equifax) b) Identification of inaccurate, unverifiable, or obsolete negative items c) Preparation and submission of dispute correspondence on Client's behalf d) Escalation of unresolved disputes through successive rounds, including CFPB and FTC complaints where warranted e) Credit education and guidance on credit building strategies f) SmartCredit® enrollment support for ongoing credit monitoring g) Ongoing consultation throughout the service term 2. CONSULTING RELATIONSHIP Company serves as a credit consultant and advisor. Company provides expertise, strategy, and execution support to help Client improve and build their credit profile. Client retains responsibility for their own financial decisions. 3. SERVICE TERM The service term begins on the date payment is received and Client's account is created ("Start Date"). The service term and applicable fees are as agreed upon at enrollment. Client may cancel at any time in accordance with Section 11. 4. CREDIT REPAIR ORGANIZATIONS ACT (CROA) DISCLOSURE a) No Guarantee of Results: Company does not guarantee the removal of any specific item from Client's credit reports. Company does not guarantee any improvement in Client's credit score. All results are subject to the response of credit bureaus and creditors. Individual results may vary. b) Right to Cancel: Client has the right to cancel this Agreement within three (3) business days after signing, without any penalty or obligation. To cancel, send written notice to support@gattisconsulting.com. Any fees paid will be refunded within ten (10) business days. c) Prohibited Practices: Company will not make false or misleading statements about Client's creditworthiness, advise Client to make false statements to credit bureaus or creditors, alter Client's identity or Social Security number, or charge for services before they have been performed. 5. CLIENT RESPONSIBILITIES Client agrees to: a) Provide accurate and complete personal information b) Upload required onboarding documents through the Client Portal within 7 days of enrollment c) Enroll in SmartCredit® credit monitoring through Company's affiliate link d) Respond promptly to requests for information (within 5 business days) e) Forward all correspondence from credit bureaus, creditors, or collection agencies to Company within 5 business days f) Follow Company's consulting recommendations to maximize results 6. DISPUTE PROCESS Company follows a structured dispute process: a) Round 1: Initial dispute letters to all three bureaus b) Round 2: Follow-up disputes with additional documentation c) Round 3: Escalated disputes with creditor verification requests d) Round 4: Manager-level escalation requests e) Round 5: CFPB and/or FTC complaints Each bureau has 30 days to respond (45 days if Client received a free annual credit report). Company tracks all rounds through the Client Portal. 7. NO GUARANTEE — ACKNOWLEDGMENT Client acknowledges and understands that: a) Company cannot guarantee the deletion of any specific negative item b) Company cannot guarantee any specific credit score increase c) Results depend on how bureaus and creditors respond to disputes d) Some items may be verified as accurate and cannot be removed e) The credit improvement process may take longer than expected f) Company's recommendations are advisory in nature and do not constitute a guarantee of any outcome 8. REFUND POLICY a) Cancellation within 3 business days of signing: full refund within 10 business days b) Cancellation after 3 days but within 30 days, if no disputes submitted: 50% refund c) If disputes have been submitted: no refund beyond the 3-day cancellation period d) No refunds after 30 days of active service 9. CLIENT PORTAL Company provides a secure online Client Portal where Client can upload documents, view credit report items and dispute status, monitor progress, and communicate with Company. Client is responsible for maintaining confidentiality of their login credentials. 10. SMARTCREDIT® ENROLLMENT Enrollment in SmartCredit® credit monitoring is required for Company to review and analyze 3-bureau credit reports. Client is responsible for any SmartCredit® fees, which are separate from Company's consulting fee. 11. TERMINATION a) Client may terminate at any time with written notice b) Company may terminate if Client fails to fulfill responsibilities for more than 30 days c) Upon termination, Company will complete disputes in progress and provide a final status update 12. PRIVACY AND DATA SECURITY Company will protect Client's personal information with industry-standard security measures, will not sell or share Client's information with third parties for marketing, and will store documents in encrypted, access-controlled systems. 13. LIMITATION OF LIABILITY Company's liability is limited to the total fees paid by Client. Company shall not be liable for any indirect, consequential, or punitive damages. 14. GOVERNING LAW This Agreement shall be governed by the laws of the State in which Company is registered. Disputes shall be resolved through binding arbitration. 15. ENTIRE AGREEMENT This Agreement constitutes the entire agreement between Company and Client. No modifications shall be binding unless in writing and signed by both parties. 16. ACKNOWLEDGMENT By checking the box below and clicking "I Agree — Continue to My Portal," Client acknowledges that they have read, understood, and agreed to all terms of this Agreement.