First Person Second Person (if applicable)
First Name:
Middle Name:
Last Name:
Street Address:
State / ZIP:      
Telephone Number:
e-Mail Address:
Social Security Number:
Date of Birth:


1. Select the plan you want to purchase:

In this Agreement, the party who is contracting to receive services shall be referred to as "the client(s)", and the party who will be providing services shall be referred to as "CITI CREDIT REPAIR, we or us".

The parties agree as follows:


Herein after referred to as "Client", agrees as follows:

During the evaluation and initial challenge process, CITI CREDIT REPAIR will review all credit information provided by the customer; prepare letters challenging items appearing on the customer’s credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverified as per the Fair Credit Reporting Act. CITI CREDIT REPAIR will submit transmittals of challenge letters within 3 to 7 business days, but not exceed 10 business days of receipt of credit information from customer, after which, these evaluation/initial challenge services shall have been fully performed. CITI CREDIT REPAIR will follow-up and review all correspondence received by the customer from the credit reporting agencies, in preparation of follow-up challenges as per the Fair Credit Reporting Act and transmittal of the same. Follow-up services will be fully performed by CITI CREDIT REPAIR within sixty days after initial challenges are mailed. CITI CREDIT REPAIR agrees only to challenge items under the Fair Credit Reporting Act. CITI CREDIT REPAIR makes no guarantee concerning improvement of the customer’s credit history or FICO score, as both are dependent upon many factors beyond our control. Should CITI CREDIT REPAIR be unable to improve a customer’s credit profile, the customer shall be entitled to a refund subject to processing fee. Any questions concerning your personal credit profile may be answered by contacting CITI CREDIT REPAIR at this number: 915-239-0505. I understand and agree to the above stated terms of service and payment.

  1. Provide CITI CREDIT REPAIR with personal credit information, credit bureau reports, and/or authorizes CITI CREDIT REPAIR or its designee to obtain credit reports on customer’s behalf.
  2. Immediately notify CITI CREDIT REPAIR of any changes of address.
  3. Identify in writing any accurate negative information which you believe to be true, so that we can be sure not to dispute such item(s) as per the Fair Credit Reporting Act of 1970.
  4. Immediately forward all correspondence received from the credit reporting agencies to CITI CREDIT REPAIR or its designated agent, and to notify CITI CREDIT REPAIR if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence from CITI CREDIT REPAIR.

The customer shall pay a onetime fee of $295.00 for credit file processing for single individual or $550 for couples. This fee is charged after the evaluation and initial challenge process at which all work has been completed by CITI CREDIT REPAIR, if additional work after this is necessary, CITI CREDIT REPAIR will work at no additional cost up to 6 months or 12 months from this date of agreement.


Upon completion of 12 months of our service you can request an evaluation/audit of your account. We will then total the completed value of all successfully deleted/corrected items and compare that amount to what you have paid. By using the fair market value of today's standards, we will calculate a refund prorated based on the number of deletions/corrections at $50.00/each per credit bureau. If what you have paid is more than the value of the deleted/corrected items we will refund you the difference.


I do hereby grant a limited power of attorney to CITI CREDIT REPAIR and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax, Experian and Transunion. I have received and signed a copy of the Consumer Credit File Rights under State and Federal Law

"Notice of Cancellation" You may cancel this agreement, without any penalty or obligation, within three business days after the date the agreement is signed. If you cancel, any payment made by you under this agreement will be returned within 10 days after the date of receipt by the seller of your cancellation notice. To cancel this agreement, e-mail a signed, dated copy of this cancellation notice, or other written notice to:

CITI CREDIT REPAIR is required by law to inform our clients of our policies regarding privacy of customer information. Therefore, we are providing you with a copy of this policy.

CITI CREDIT REPAIR collects private, personal information about you that is provided by you or obtained by us on your behalf with information you provide to us.

We do not and will not disclose our client’s private (non-public) personal information obtained in our process to any third party, except as required by law. No third party will obtain information about you from CITI CREDIT REPAIR without your written consent.

CITI CREDIT REPAIR retains records relating to professional services that we provide so that we are able to assist you in your needs. To safeguard your personal information we maintain physical, electronic and procedural methods that comply with our professional standards. If you have any questions, please contact CITI CREDIT REPAIR at 915-239-0505 because your privacy and our professional ethics are most important to us.

I agree and understand what I am signing, and acknowledge that I have received a copy of the General Terms and Conditions by printing or saving this document.
 I Agree I Do Not Agree


The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus that gather and sell information about your creditworthiness to creditors, employers, landlords, and other businesses. The FCRA gives you specific rights, which are summarized below. You may have additional rights under state law. For more information, go to, or write to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment - or take another adverse action against you � must tell you and give you the name, address, and phone number of the agency that provided the information.

You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You will be asked to provide proper identification, which may include your Social Security number. In many cases the report will be free. You are entitled to free reports if a person has taken adverse action against you because of information in a report; if you are the victim of identity theft; if you are the victim of fraud; if you are on public assistance; or if you are unemployed but expect to apply for employment within 60 days. In addition, you are entitled to one free report every twelve months from each of the nationwide credit bureaus and from some specialized consumer reporting agencies. See for details about how to obtain your free report.

You have a right to know your credit score. Credit scores are numerical summaries of a consumer's creditworthiness based on information from consumer reports. For a fee, you may get your credit score. For more information, click on In some mortgage transactions, you will get credit score information without charge.

You can dispute inaccurate information with the consumer reporting agency. If you tell a consumer reporting agency that your file has inaccurate information, the agency must take certain steps to investigate unless your dispute is frivolous. For an explanation of dispute procedures, go to

Inaccurate information must be corrected or deleted. A consumer reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer reporting agency may continue to report negative data that it verifies as being accurate.

Outdated negative information may not be reported. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.

Identity theft victims and active duty military personnel have additional rights. Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file "active duty" alerts to help prevent identity theft. For more information, visit

Your consent is required for reports that are provided to employers. A consumer reporting agency may not give out information about you to your employer, or potential employer, without your written consent. Blanket consent may be given at the time of employment or later.

You may choose to remove your name from consumer reporting agency lists for unsolicited credit and insurance offers. These offers must include a toll-free phone number you can call if you choose to take your name and address off lists in the future. You may opt-out at the major credit bureaus by calling 1-888-567-8688.

You may seek damages from violators. If a consumer reporting agency, a user of consumer reports, or, in some cases, a furnisher of information to a consumer reporting agency violates the FCRA, you may sue them in state or federal court. The FCRA gives several federal agencies authority to enforce the FCRA:

Consumer reporting agencies, creditors and others not listed below

Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4367 (Toll-Free)

National banks, federal branches/agencies of foreign banks
(word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743

Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693

Savings associations and federally chartered savings banks
(word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision
Consumer Programs
Washington, DC 20552 800-842-6929

Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-518-6360

State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Division of Compliance & Consumer Affairs
Washington, DC 20429 800-934-FDIC

Air, surface, or rail common carriers regulated by former Civil
Aeronautics Board or Interstate Commerce Commission
Department of Transportation
Office of Financial Management
Washington, DC 20590 202-366-1306

Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051

I agree and understand what I am signing, and acknowledge that I have received a copy of Consumer Credit File Rights by printing or saving this document.
 I Agree I Do Not Agree


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If you do not wish to submit over the Internet, print two copies of this contract one to mail or fax and one for your records.