Terms and Conditions



General Terms and Conditions:  A. This Credit Repair Service Contract between Wall Street Credit Solutions and the undersigned "Client" (refers to both in case of a couple) is for the purpose of purchasing credit report repair and improvement services (the "Services"). The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the Client states appears on the credit reports which the Client has furnished Wall Street Credit Solutions.  This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated or erroneous information must be removed from consumer credit reports by reporting agencies. Wall Street Credit Solutions agrees to use its best efforts to provide the Services, and will perform them in accordance with federal and state laws. B. The Client understands that there will be an initial Setup and Analysis of $220.00 for an individual or $285.00 for a couple to be billed after the setup and analysis has been fully performed.  After the initial setup has been completed, Wall Street Credit Solutions will audit the Client's credit reports and develop a plan to delete, correct or change inaccurate, unverifiable and obsolete items under current federal and state law during this contract. After each month services have been fully performed, client will be billed. Client understands and agrees that after a month of services has been fully performed, a fee of $99.00 for an individual or $159.00 for a couple will be due, and that this fee is for all costs and fees associated with the previous month's Services. This process will continue until Client cancels service. The Client understands that the monthly fee includes the continuing analysis/audit of up to three credit bureau reports (per client, up to six for couples), all correspondence associated with the credit improvement process, the review for changes requested by the Client to the Client's credit reports as a result of contacts made on the Client's behalf with each applicable credit bureau, creditor or public record holder, phone consultations with client and the continuing planning and creation of documents for the purpose of credit report improvement. C.  Non Payment.  If any form of payment you supply is uncollectible for any reason, Wall Street Credit Solutions may charge you a dishonored payment fee of $30.00.  The Member will agree not to close the bank account that Wall Street Credit Solutions is authorized to withdraw payments from.  Should the Member be required to change the authorized bank account, you must notify Wall Street Credit Solutions immediately and complete a new Electric Payment authorization, as any interruption in the payment of our fees will require Wall Street Credit Solutions to discontinue your service agreement.  The resulting actions undertaken by the credit card companies, collection agencies, and/or law firms against the client will not be the responsibility of Wall Street Credit Solutions. D.  Credit Application.  The client shall not apply for any type of credit until they have completed the process. If the client fails to comply with our expressed request and applies for any credit and is denied, we cannot be held responsible for additional negative remarks and the direct influence this might have on your credit score. E. The Client agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus and/or creditors to Wall Street Credit Solutions within five (5) days after the date received to guarantee the success of this program. If the Client has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis/Audit, the Client must notify Wall Street Credit Solutions so appropriate measures can be taken.  Non compliance can result in termination of account. F. By executing this Contract to obtain Wall Street Credit Solutions Services, Client grants Wall Street Credit Solutions during the term of this Contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client's credit reports, Client's credit history or other creditor information for the Services; 2) sign correspondence to the record holders; 3) use Client's name to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and or through the internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. Wall Street Credit Solutions acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, Wall Street Credit Solutions will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The Customer shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to Wall Street Credit Solutions.  Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of Texas. Client agrees that Client's limited power of attorney is valid throughout the United States for all Customer Information to be obtained by Wall Street Credit Solutions pursuant to this Contract by the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written.  This Agreement supersedes any prior written or oral agreements between the parties. 
G. Money Back Guarantee/Cancellation.  This agreement may be canceled by either party without any penalty or further obligation at any time.  If you have been with us for one year, and you have forwarded credit reports every sixty days and complied with the commitments to the service, and we have not been able to improve your credit file by removing any derogatory items from your account, we will gladly offer you a full setup fee refund of this service. Wall Street Credit Solutions agrees to improve client(s) credit profile of inaccurate, unverifiable and incomplete items during the period of one year. Client(s) understands that the results obtained by T Wall Street Credit Solutions on behalf of client(s) are dependent on numerous factors, including but not limited to client(s) ability to repay debts and loans, cooperation of client(s) creditors, and credit bureaus ability to verify information provided to them by Wall Street Credit Solutions on behalf of client(s).  The initial setup fee and all accrued charges, with the exception of the last month’s payment, are non refundable.  Client agrees to only communicate with the credit bureaus through Wall Street Credit Solutions’ written correspondence. H.  I, the client, understand that with proper information I could undertake the same or similar techniques to repair my own credit and as choosing to hire this Services Provider to undertake the services outlined in this agreement without duress or provocation.  Client agrees to hold Wall Street Credit Solutions and it employees, officers, directors, agents and representatives harmless from any claim, suit action or demand made by any of my creditors or any other person which may arise from the action(s) taken by my creditors in connection with any services rendered by Wall Street Credit Solutions on my behalf.  In the event Wall Street Credit Solutions engages in collection efforts, client will be required to reimburse Wall Street Credit Solutions for out-of-pocket expenses as the result of such efforts.