Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

1. Credit Service Agreement

2. Authorization for Credit Repair Action

3. Consumer Credit File Rights (CROA Disclosure)

4. Right Of Cancellation Notice

The services we perform may include

• Document preparation and credit education.  We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.

• We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.

• You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.

• Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. 

In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
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It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​

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Credit Improvement Services Agreement

Rio Resolutions

 

Rio Resolutions, as an entity that counsels, educates and works in conjunction with clients to assist in disputing/challenging inaccurate, obsolete, and unverifiable information on their credit bureau reports, enters into an agreement with the client to offer said services.The client agrees that Rio Resolutions is not held liable nor can be held responsible for accurate information that is included in a client credit report that is not removed. The client agrees that no promises regarding actual results have been made, stated, written, or implied. Rio Resolutions will work with due diligence in representing clients to dispute/challenge, advise, educate, and ultimately help improve overall client creditworthiness.Both parties agree that effective and long-term sustained credit worthiness is based upon a consistent payment of obligated loan arrangements, overall credit management, and an updated understanding of applicable laws and regulations. This Business Agreement shall be governed by the laws of the State of NY. All parties agree Rio Resolutions shall be the proper venue for any litigation.

 

 

1. Introduction. The undersigned parties (“client(s)”) hereby agree to employ Rio Resolutions  (“Rio Resolutions”), their agents, employees, and/or contractors, to provide advice and assistance with respect to improving the client’s credit file, record, history, FICO or other scores, and overall credit knowledge. Generally, this service will be directed to a Consumer Reporting Agency (“CRA” or “Credit Bureau”) or to any individual or company from whom the client is applying for credit or has actually received credit (“Creditor”). Finally, these efforts may be directed to any collection agency or company supplying credit-related information to a CRA or Creditor (a “Furnisher” of information).Rio Resolutions is a company that sells or provides a service, in return for consideration, in an attempt to improve the client’s credit record, history or rating, and to provide advice regarding these activities, and as such, is governed by the Credit Repair Organizations Act, 15 U.S.C. 1679 (“CROA” or “The Act”).

 

2. Prohibited Practices by Client. Rio Resolutions discloses that the following acts are strictly prohibited under the CROA, and the client agrees to refrain from assisting Rio Resolutions  agents or employees, with respect to the following prohibited practices: (a) advising or making a statement to a CRA or an existing or prospective creditor which is untrue or misleading, or which should be known to be untrue or misleading, through reasonable care; (b) advising or making a statement to alter the client’s identification in order to prevent the display of the client’s credit record or history for the purpose of concealing adverse information which is accurate and not obsolete.

 

3. Prohibited Practices by Rio Resolutions. Rio Resolutions  will not (a) make or use any untrue or misleading representation as to the services to be provided to the client; (b) perform any act or conduct that constitutes a commission or attempts to commit fraud or deception upon any client in connection with the offer or sale of the services of Rio Resolutions; (c) charge or receive any money or other consideration for the performance of any service for which Rio Resolutions has agreed to perform before such service is actually performed.

 

4. Consumer Disclosure. Prior to signing this contract and paying any money for services rendered, each client acknowledges that they received, reviewed, and signed a separate and standalone “Consumer Credit File Rights Under State and Federal Law” disclosure form.

 

5. “Right to Cancel” Notice. Every client has the right to cancel this contract with Rio Resolutions, without penalty or obligation, by notifyingRio Resolutions before midnight of the 3rd business day after this contract is signed and executed. You may exclude Sundays and the day the contract is signed for computing the three-business day rule. Each client acknowledges receipt of two signed copies of the “Notice of Cancellation” document. Further, no services will be rendered nor will any money be paid to Rio Resolutions during this three-day cancellation period.

 

Client understands that any new negative information, incurred after our process begins, will negate any positive results attained byRio Resolutions.     

 

a) Client understands that any new negative information, incurred after our process begins, will negate any positive results attained by Rio Resolutions.

 

b)  Client understands that if they cancel services after the “three day right of rescission”, but before original reports are received, they will be subject to a $75 fee, Per Individual, for all services rendered prior to cancellation. This includes, but is not limited to: Consultant time explaining our Services and Processes, Emailing or Faxing of information etc.

 

c)  Any checks returned NSF (Bad Check) or for any other reason will nullify this Money Back Guarantee!

 

6.  In the event of any dispute between the parties regarding a term or terms of the Agreement, the parties agree to use their best efforts in good faith to resolve the dispute between them. If necessary, but in the sole judgment of each party, the parties will consider using alternative dispute resolution, including mediation, before resorting to litigation. In such instance, a breach thereof shall be settled by arbitration before a retired Judge of the Superior Court. The retired Judge shall be selected by unanimous agreement of the parties or, failing agreement, within thirty (30) days after the arbitration is demanded by one of the parties, the retired Judge shall be appointed by the Superior Court upon the petition of any party. A judgment on the award rendered by the Arbitrator may be entered in any court having jurisdiction.

 

7. Description of Services and Conditions of Payment. The client agrees to pay a profile assessment fee plus a registration fee to Rio Resolutions, as well as monthly payments where applicable, which shall be detailed as follows:

 The first payment shall be due immediately after the expiration of the three-day rescission period (“First Due Date”), and paid to Rio Resolutions after:

 

a) you pull your credit report from the three major reporting agencies, Experian, Equifax, and TransUnion through a credit watch service;

 

b) sets up a physical file for the client containing all relevant contracts, documents, credit reports, and other information;

 

(c) reviews and analyzes the credit report in order to advise the client on specific credit problems or issues. This is the registration/credit assessment fee. 

 

The following payments shall be due 30 days after the first due date, and every month thereafter:

a) discusses with each client the specific issues identified on the credit report;

 

b) confirm with each client all incorrect or inaccurate information contained in each credit report;

 

c) discloses any relevant or necessary supporting documentation that may be needed to support a dispute letter. 

 

Your Plan Options:

 

Rio Resolutions Package 1 - This is an intensive, rigorous, 180 day program developed specifically  to allow clients to purchase or refinance at better rates and terms. Start day begins when all three reports (per individual) are received by Rio Resolutions.Single: Total: $ Processing Fee – monthly payments of $ per month

 

Rio Resolutions Package 2 - This is an intensive, condensed, 30-120 day program developed specifically  to allow clients to purchase or refinance at better rates and terms, if they have a Bankruptcy, Foreclosure, Repossession, Student Loans or Child Support showing on their Credit Bureaus. Start day begins when all three reports (per individual) are received by Rio Resolutions.Single: Total: $ Processing Fee  – monthly payments of $ per month

 

8. For a period of three to twelve months from the date the contract is signed, Rio Resolutions will also provide the following services, without additional payment from the client, as determined by the agents and employees of Rio Resolutions, in their sole discretion:

 

a.  Where a letter and any necessary supporting documentation have been provided to a Creditor or Rio Resolutions, and that entity fails to take corrective action, Rio Resolutions will refer each client to an attorney who will review the claim and possibly pursue your legal rights. Under the FCRA, an attorney may recover attorney’s fees, costs, and damages (and potentially punitive damages, in limited circumstances) without any up-front charge or fee to the client (also known as a “contingency fee” arrangement). Rio Resolutions will not charge you, nor receive any fee, for this referral.

 

b.  Continuing communications with the Rio Resolutions, Creditors, or Furnishers who have inaccurate credit information in an effort to obtain a resolution or removal of information on the credit report. These communications may be made by telephone, email, and/or written correspondence.

 

c.  Provide educational materials on various topics, such as the credit reporting process, credit scores and what factors play an important role in assigning the score, and the effect a credit score has on the client’s overall finances.

 

9. Completion Date. Due to the uncertain nature of credit repair and the amount of time needed to dispute inaccurate information, Rio Resolutions hereby estimates that the services to be rendered to the client will take a minimum of 120 days to complete, but it is far more realistic that a minimum of 180 days will be required. Therefore, Rio Resolutions and the client expressly agree to set the contract period at 180 days from the date the contract is signed, in exchange for payment of the fee. This fee is final and non-refundable after 180 days (subject to the “Guarantee of Service '' listed below), and the performance of all services rendered by , or any other of its agents or employees will be complete. Specifically, Rio Resolutions makes no other promises or warranties with respect to the amount of work that will be completed within the 180-day period, other than guaranteeing the 20-point improvement listed below. Furthermore, each client understands that additional work could be required after the 180-day period, that their credit information may not be entirely accurate by the end of the 180 days, and if the client desires additional assistance from Rio Resolutions, the client would be required to pay additional fees to continue Rio Resolutions’s services with respect to any remaining credit disputes.

 

10. Guarantees of Service. In addition to providing the services described above, Rio Resolutions agrees to refund to the client, after the passage of 180 days, any fee collected from the client if Rio Resolutions is unable to raise the client’s credit score at least 20 points, at any time during the contract, on any one credit report. This guarantee will be applicable only after Rio Resolutions has had an appropriate amount of time to process the client’s information and dispute letters, which may take the full 180-day service period. Furthermore, this guarantee is void if the client fails to adhere to all of the requirements listed in PARAGRAPH 14 with respect to the client’s responsibilities.

 

11. Copies of Documents. The client has a right to have a copy of any document requiring the client’s signature. Rio Resolutions will also make reasonable efforts to provide the client with other documents obtained in the course of rendering its services, at its sole discretion. The client may write to Rio Resolutions at any time prior to the expiration of one year from the date the contract for services is signed, and request a copy of the entire file created during the representation.

 

12. Client’s Consent. Client consents to and acknowledges that the following actions will take place:

 

a) Rio Resolutions will pull a credit report from the three major bureaus at the beginning of the repair process (through your credit watch service), and thereafter as often as deemed necessary by Rio Resolutions employees, in their sole discretion;

 

b) to share any information obtained from the client, the creditors, credit reporting agencies, or any third parties with any party deemed necessary to pursue the client’s remedies under the FCRA;

 

c) to discuss the client’s credit information and status of the repair work with any individual or company who referred the customer to Rio Resolutions, such as a mortgage broker or lender;

 

d) to sign a power of attorney which will permit Rio Resolutions to perform any act necessary to provide its services, including the right to draft and sign letters on your behalf to challenge credit items which client and Rio Resolutions believe are inaccurate, obsolete and/or unverifiable.

 

13. No Legal Advice or Services Provided. Rio Resolutions is prohibited from engaging in the practice of law or from providing legal advice to the clients. Such services are permitted only by licensed, practicing attorneys. Rio Resolutions will dispute and attempt to hold accountable any credit bureau, creditor, or supplier of inaccurate, obsolete or unverifiable information listed on the client’s credit reports. The client will make Rio Resolutions aware of those items client deems to be of an inaccurate, obsolete and/or unverifiable nature, and all negative items found on the client’s credit report will be considered inaccurate, obsolete or unverifiable unless you instruct us otherwise.

 

14. Client Responsibilities. Each Client understands that the success and timeliness of the credit restoration program depend upon the following and that this contract requires strict compliance by the client of the following duties from the date this agreement is entered into:

Forward to Rio Resolutions credit portal,

https://dispute.scorexer.com

, immediately any document received, credit bureau report, letter or other item received during the credit repair process (keep a copy for your records) 

Payment by each client (and their spouse for jointly held liabilities) of all credit lines and debts on time.

Refrain from applying or accepting any new credit (mortgages, car loans, credit cards, etc)Refuse permission or ensure that no other company pulls or examines your credit report.

Cooperate with Rio Resolutions in various aspects of the credit dispute process, including providing any requested documentation (prior letters, contracts, bankruptcy papers, divorce decrees, etc)

Cooperate with reasonable requests for documents or information from creditors, credit bureaus, and furnishers of credit information.

Provide true and accurate information that is neither false, misleading, deceptive, nor fraudulent. Pay all fees in a timely manner when due Provide an accurate home address and working home, work, and cell telephone number, and notify us immediately if any phone number changes. 

Use Rio Resolutions’s services exclusively during the contract period.

Give Rio Resolutions sufficient time (90 days) to achieve the results discussed in the guarantees of service

 

15a. Client agrees to

(please check boxes c & d under contract)

 

a)  Contact Rio Resolutions concerning any reports not received!

 

b)  Understand that our “Score More Credit Coaching Program”, is 30 to 120 days in length, with the sole purpose of increasing your “Current Credit Score” to the “Goal”, stated when initiating our process. 

 

c)  Client agrees that they have received the Rio Resolutions credit consultant document, which is a separate document, have read, understood, and will agree to comply with the requirements thereof.

 

d)  Client also agrees that if any new derogatory trade lines appear (this includes new collections, new judgments, and late payments) on their credit file while they are in the program our guarantee that we have offered you upfront will become null and void.

 

16. Choice of Laws. The client acknowledges that this contract is entered into, that Rio Resolutions has been requested to provide services for you, and that Rio Resolutions is physically located and will render all of its services, within County in the Commonwealth of -- regardless of where you may reside. The Client further acknowledges that the relationship with Rio Resolutions and any contract or tort claim shall arise and be governed by the laws of the Commonwealth of , without regard to any other conflict of law provisions. Any action arising under state law concerning this contract or any conduct or activity resulting therefrom shall be brought only in County, NY.

You and Rio Resolutions agree to submit to the personal and exclusive jurisdiction of the small claims, district or circuit courts located within County, NY , and all legal proceedings must be brought in this forum. In the alternative, any claim arising under a federal question, or due to diversity of citizenship, or otherwise within the scope of federal court jurisdiction, shall be brought in the Federal District Court, County, NY.

 

17. Release from Liability. The client hereby expressly waives any claim and agrees to release, indemnify and hold Rio Resolutions ,, their agents, employees and/or assigns, harmless for any and all claims or causes of action which arise out of the performance of the credit repair services. Unless the action arises from a failure to comply with the Credit Repair Organizations Act, the client agrees that its sole legal right or claim for damages against Rio Resolutions, , or any agent, employee, or contractor thereof, shall be limited solely to a refund of any fee paid.

 

18. No Express or Implied Warranties. No other promise, other than the refund policy stated in paragraph 7, has been made to the client, and the client specifically agrees that no additional promises, representations, or express and/or implied warranties other than those terms spelled out in this agreement were made with respect to the services to be rendered or outcome to be achieved.

YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE THIRD (3rd) BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.

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