Credit Future LLC

Information Statement


Pursuant to Section 59.1-335.6 of the CSBA, Credit Future (the “Provider”) provides the Consumer with an information statement, containing all of the information required under Section 59.1-335.7.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have the right to obtain a free copy of your credit report from a credit reporting agency. You may obtain this free copy of your credit report one time per year by visiting www.AnnualCreditReport.com. You will be able to view your credit report, dispute alleged inaccuracies, and obtain additional information at no fee. If requested, the consumer credit reporting agency must provide someone to help you interpret the information in your credit file.

You have the right to receive a free copy of your credit report every 12 months from each of the three nationwide consumer reporting agencies, including TransUnion: 1-888-909-8872 (TransUnion.com), Experian: 1-888-397-3742 (Experian.com) and Equifax: 1-800-685-1111 (Equifax.com), as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681j).

You have the right to review any file maintained by any consumer reporting agency, and the right to receive a copy of a consumer report containing all information in that file as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681g).

A copy of the consumer report containing all information in the consumer’s file will be furnished free of charge by the consumer reporting agency if requested by the consumer within 60 days of receiving a notice of a denial of credit as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681j).

A nominal charge may be imposed on the customer by the consumer reporting agency (CRA) for a copy of the consumer report containing all information in the customer’s file, if the customer has not been denied credit within 60 days from receipt of the customer’s request.

A nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has already obtained the free credit report to which the consumer is entitled on an annual basis and the consumer has not been denied credit within 60 days from receipt of the consumer's request.

Credit Future (hereinafter, collectively referred to as "Provider", “We”, “Us”, “Our”) requires all Clients (hereinafter referred to as "client", "clients", "customer," "customers," "you" or "your", "his" or "hers") to sign the "Description of Service" that states a complete and detailed description of the services that we will perform for you and the total cost of the services. By signing this form, you are agreeing to the terms and conditions of service set forth in this Agreement and to the terms and conditions of payment. It is Provider’s intention to service you for the entire term of this Agreement. However, should you cease payment under the terms of this Agreement, we will cease service immediately until payment can be rendered. Provider also reserves the right to collect any monies not yet paid under the terms of this Agreement that it may be entitled to, which might include (but is not limited to) rendering the service of a third-party collection agency and/or attorney. You agree that any remaining payments that Provider may be entitled to, including any late fees, collection fees, and/or additional administrative fees, as permitted by law, will be applied in accordance with this Agreement regardless of your default.

Provider strictly adheres to a zero-advanced pay policy where no payment is charged to the Customer until the described work in signed service agreement is completed and/or cancellation has been made after the cancellation grace period has passed. Customer understands and agrees to pay to Provider the total amount indicated for each service plan described in Agreement for services completed before a Notice of Cancellation was submitted by either party. No refund is available for payments completed for work performed. Provider will begin the performance of the services described within seven (7) working days from when Agreement is signed by Customer. Description of Services are as followed:

  1. Upon successful completion of the onboarding process, Customer will submit payment for an onboarding fee of $50. No deliverables associated with any additional service plan will begin until this onboarding service has been fully completed and the onboarding fee has been paid.
  2. All service plans operate on a month-to-month basis and have a stated term of 6 months; however, you may cancel at any time without penalty or incurring further monthly service fees after cancellation. Each service plan is billed only after services for that month have been fully performed.
  3. If Customer subscribes to the New Beginnings Service Plan, $115 is charged to Customer after work is completed for that month. There may be a total payment of $690 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $870.
  4. If Customer subscribes to the Accelerated Service Plan, $170 is charged to Customer after work is completed for that month. There may be a total payment of $1,020 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $1,200.
  5. If Customer subscribes to the Hard Inquiry Service Plan, $90 is charged to Customer after work is completed for that month. There may be a total payment of $540 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $720.

Each of the said services listed above, whether collectively OR individually, shall comprise of and define the term "Services Rendered" and thus, all service fees shall be deemed due and fully collectible and will be billed/charged accordingly, AFTER such service(s) have been rendered.

Credit Future makes no other warranties aside from the warranties expressly written within this Statement. No oral agreement or other agreement shall override this Agreement unless received in writing from an authorized representative of Provider.

You have a right to cancel the contract with the credit services organization for any reason before midnight on the 3RD working day after you signed it. If for any reason you cancel the contract during this time, you do not owe any money. You have a right to sue a credit services organization if it misleads you.

IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES.

I, the CLIENT, fully understand my responsibility to this program and agree to the above terms, as well as acknowledging that all of my questions have been answered. I further acknowledge and agree to the total costs of these services and am aware that nonprofit budget and debt counseling services exist.

Acknowledgement receipt of this statement,

The FTC and State Laws require the Provider to keep this document with your file for a minimum of two (2) years after the Agreement is executed. The FTC regulates credit bureaus and credit repair organizations.


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Document name: Information Statement
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July 10, 2023 12:45 pm ESTInformation Statement Uploaded by Vincent Lam - inbox@creditfuturellc.com IP 45.26.146.26
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