Negative Credit Scores Affecting Your Life?

KEY CREDIT SERVICE AGREEMENT

Whereas, (hereafter referred to as "Client") desires to retain the services of the Commonwealth Equity Group, LLC d/b/a KeyCreditRepair.com (hereafter referred to as "CEG").

CONSUMER CREDIT FILE UNDER STATE AND FEDERAL LAW

You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, negative information removed from your credit report before it is seven years old. Bankruptcy information can be reported for ten years.

You have the right to obtain a copy of your credit report from a credit bureau. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are the recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. The law prohibits deceptive practices by credit repair organizations.

You have a right to cancel your contract with any credit repair organization for any reason within 5 days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information on the report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning any error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington D.C. 20580.

Service Agreement

CEG agrees to evaluate the Client's current credit profile and will advise Client on the necessary steps to legally remove information that is not accurate, complete, or verifiable. The Company cannot and will not remove any derogatory information (defined as accurate information appearing on a Client's credit report), nor will Company assist Client on improving Client's credit rating or record. Client understands that the removal of information from the credit bureaus does not relieve the financial obligation to the creditor. Accurately reported items on a credit reports cannot be removed.

CEG will prepare all necessary correspondence in dispute of all inaccurate and unverifiable information on Client's credit reports (Experian, Equifax, TransUnion) and will stamp and mail for Client. CEG will agree to prepare and mail each collection agency a formal validation request to ensure Client is only paying off verifiable and accurate collections. CEG agrees to provide unlimited advice to Client regarding their credit report.

CEG guarantees that Client's credit report(s) will cease reflecting 10% of the entries Client has indicated are being inaccurately reported on Client's credit report(s),within 90 days of Client's receiving services from CEG provided Client follows the advice of CEG. This guarantee includes a full refund of all fees paid by Clientand is only valid should Client not make any late payments on any of their accounts while CEG is providing services to Client and Client's revolving account balances are below 10% of the available limit.Client also understands that Client is able to dispute any entries on their credit reports without the assistance of CEG. Client agrees to mail all correspondence received from CEG within 3 days to the appropriate agencies if requested to do so by CEG, and further agrees to mail all correspondence received from the credit bureaus in their original form to CEG within 3 days of their receipt by client.

Client further agrees to notify CEG if client has not received answers to correspondence mailed to the credit bureaus within 60 days of the last mailing.

CEG makes no other express or implied promises or guarantees as to the result or outcome of its services except as outlined in this agreement.

CEG's principal place of business is 686 Morton Street Suite 2 Boston Ma 02126.

Fees

Client agrees to pay CEG for services rendered. Client must pay by credit debit card or ACH direct withdrawal from a savings or checking account. The Client will not be charged any advance fees for any services under this contract rather such fees will only be charged by CEG to the Client upon CEG's completing the services on behalf of the Client.

The First Work Fee is charged 5 days after the signing of this contract (unless client indicates a date greater than 5 days in payment authorization section of this form). This fee is applied to CEG's review of the Client's financial documents and CEG's taking of the necessary time to consult with the Client regarding the Client's financial documents. CEG will also analyze the Client's credit report with a focus on determining if any information on the Client's credit report is inaccurate, outdated or unverifiable. CEG will also assist the Client in determining the action to take, if any, with each applicable account on Client's credit file. Should such be necessary, CEG will also assist Client in obtaining a copy of the Client's credit report if needed. CEG's services in exchange for the First Work Fee are sold independently of any services regarding Client's credit standing or credit score. The First Work Fee will only be charged upon CEG consulting with the Client and completing the above stated services and under no circumstances will the First Work Fee be paid by the Client prior to CEG completing the above stated services.Client also understands and agrees that he or she is billed by CEG for services rendered after they have been rendered, not for a specific outcome.

In exchange for the Monthly Service FeeCEG will provide the following credit repair services ("Services") to and for the benefit of the Client, and Client authorizes CEG to provide such for Client. Such services will include attempts to remove inaccurate, erroneous, and/or obsolete credit information reported by Equifax, Experian and Trans Union to the Client's Credit Report. It is estimated that it will take up to six (6) months for Client to achieve his or her goals.CEG will continually analyze and review Client's status during the time the Client is receiving the Services from the Client, and CEG will respond to, receive, and/or initiating correspondence from Client. CEG will assist Client in responding to, receiving, and/or initiating correspondence via e-mail regarding Client's credit report(s). CEG will create letters and/or emails and/or faxes and/or electronic communications and/or other written communications for Client in the attempt to correct errors and other items appearing on the Client's credit reports which Client indicates are inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act, This includes preparation and transmittal of written correspondence to credit bureaus to verify and/or dispute items appearing on the client's credit report. CEG will review and analyze all correspondence received from credit bureaus, creditors, and others. CEG will conduct follow up calls with Client to discuss Client's status and strategy. CEG will review the Client's credit report updates to determine subsequent steps. CEG will assist Client with credit questions. The Client will not be charged any advance Monthly Service Fees for any Services, rather such fees will only be charged by CEG to the Client upon CEG's completing the Services on behalf of the Client which will not occur until a minimum of 5 days subsequent to the Client entering into this agreement with CEG.

Dispute Resolution

This section, as it pertains to dispute resolution procedures, will override any sections of the agreement that appear contrary or which appear to give the Client the right to sue CEG. In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, ability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in the Commonwealth/State of Massachusetts. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney's fees) of arbitration equally. If the consumer's share of the cost (not fees) is greater than $2,000.00 (Two-thousand dollars), the company will pay the consumers share of costs in excess of that amount. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator's ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

CEG's Right to Conduct Business Electronically, to Contact Client Via SMS Text and Via an Autodialer, and CEG's Right to Use Pre-Recorded Messages When Contacting Client

Client agrees, unless specifically requested otherwise, that by entering into transactions with CEG, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from CEG and to also send information in an electronic format unless previously agreed upon in writing with CEG.

CANCELLATION and REFUND POLICY

The client understands that they are paying on a month-to-month basis. The Client understands that they are able to cancel out of this program at any point in time without incurring any cancellation fees or additional charges. The cancellation needs to be submitted in writing and emailed, mailed or faxed to KEY within 5 business days of your next payment date.KEY grants each client a 5 day grace after payment is due before credit service is suspended.Automatically payment will continue to process for up to but not greater than 30 days after a payment has been declined until approved.

I have read this Service Agreement and Contract and fully understand and agree to its terms and conditions. Nothing has been promised to me that isnot in this agreement.

First Last

Residential Street Address Zip

Phone Number Email

PAYMENT AUTHORIZATION/INFORMATION

You may cancel this contract without penalty or obligation at any time before midnight of the 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.

Note: First work fee date indicated must be at minimum 5 days after the date of enrollment to allow KEY ample time to perform the credit review and analysis of your credit report and to create the first round of credit bureau disputes (and creditor good-will interventions, if applicable). This fee is only paid once these services have been performed. Per the Federal Trade Commission no fees are allowed to be paid in advance for credit repair services. This policy under the Credit Repair Organizations Act is strictly adhered to. First work fee payment date will default to 5 days after enrollment if indicated earlier or not at all.

Standard

I agree and authorize Key Credit Repair to charge/debit my Visa, MasterCard, American Express or checking/savings account the first work fee of $59.95 in 5 business days from the day of enrollment then $59.95 each subsequent month for work performed within that month until client cancels this program.

• • Dedicated Advisor
• • 24/7 Client Portal Access
• • Transunion
• • Experian
• • Equifax
• • In-Writing Process
• • Unlimited Items
• • Live Client Support
• • Creditor Debt Validations
• • Creditor Direct Disputes
• • Creditor-Good Will Letters
• • Lifetime Credit Coaching

• • Dedicated Advisor
• • 24/7 Client Portal Access
• • Transunion
• • Experian
• • Equifax
• • In-Writing Process
• • Unlimited Items
• • Live Client Support

*Credit card convenience fee and State and federal sales tax may apply.

DO NOT SIGN BELOW UNLESS CANCELING

Cancellation Form Copy #1

SEC. 407. RIGHT TO CANCEL CONTRACT.(11)

(a) In General. -- Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer's intention to do so at any time before midnight of the 3rd business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties.

(b) Cancellation Form and Other Information. -- Each contract shall be accompanied by a form, in duplicate, which has the heading 'Notice of Cancellation' and contains in bold face type the following statement:

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Key Credit Repair at 177 Huntington Avenue Suite 1703 #50552 Boston Ma 02115 before midnight on (3rd day).

I hereby cancel this transaction,

DO NOT SIGN BELOW UNLESS CANCELING

Cancellation Form Copy #2

SEC. 407. RIGHT TO CANCEL CONTRACT.(11)

(a) In General. -- Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer's intention to do so at any time before midnight of the 3rd business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties.

(b) Cancellation Form and Other Information. -- Each contract shall be accompanied by a form, in duplicate, which has the heading 'Notice of Cancellation' and contains in bold face type the following statement:

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Key Credit Repair at (mailing) 177Hungtington Avenue suite 1703 #50552 Boston Ma 02115 before midnight on (3rd day).

I hereby cancel this transaction,

PRIVACY POLICY of KEYCREDITREPAIR.COM

WHAT DOES KEYCREDITREPAIR.COM DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

1. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information

2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing

To limit our sharing of information or for ANY Questions: Call us at [insert customer service number]or visit us online at [insert website address].

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing.

How does keycreditrepair.com protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment.

How do we collect your personal information?

We collect your personal information from any and all interactions that you have on our websites, we portals, email communications, telephonic communications, mail services and face to face interactions.

Why can't I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.

What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure protection of your wishes.

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.