tradeline contract

Please fill out the contract and application below. Simply fillout every indicated box with the required information and click submit. Your contract and application will automatically be emailed. Any incomplete application will be disregarded! We have added this feature for your convenience. PLEASE DO NOT SUMBIT A CONTRACT UNLESS YOU HAVE MADE YOUR PAYMENT. CONTRACTS WITHOUT PAYMENTS ARE DISREGARDED! (Your Credit Bibles; valued over $120.00; will be emailed to you from our customer service team.)

WWW.LEGALCPN.COM "PRIMARY AND AUTHORIZED USER" CONTRACT AGREEMENT

This Agreement made and entered into this day; Please Enter Date: 2010,
By: MR / MRS Name: And between WWW.LEGALCPN.COM.
Referred to as "Company". I hereby solicit COMPANY and agree to pay a business creation
and trade-line service to COMPANY as is described herein below.

1. This Agreement describes the terms and conditions under which my application is submitted. I certify that (I am at least 18 years) of age, and the information (I provided) to COMPANY in order to submit my applications is true and accurate. I understand that my signature at the end of this contract constitutes my acceptance of these account(s) in accordance with the statements and conditions listed within this agreement.
2. I understand that my information will be submitted by COMPANY to a willing party hereby referred to as "CARD COMPANY" I understand I am giving COMPANY permission to establish a personal business in my behalf. I also understand my personal information may be submitted to the Department of Treasury IRS Division for which i will be assigned either an ITIN, TIN, EIN, or in some cases a Validated SSN Number. If so; I understand the Department of Treasury IRS Division will issue this number to me. I understand and agree ALL FEES paid to WWW.LEGALCPN.COM will be the only fee i will need to pay to WWW.LEGALCPN.COM for this service. I do understand I may have additional fees related to the establishment of my personal business which i may have to pay the the state or county I reside, choose to do business, or where i may elect to incorporate.
2A. HOLD WWW.LEGALCPN.COM HARMLESS AND INTENTION OF LEGAL INTENT! I understand and acknowledge; that in no way am I engaging or attempting to engage in FILE SEPARATION, and by signing this agreement, WWW.LEGALCPN.COM's ONLY ROLE IS TO HELP ME OPEN A CREDIT PROFILE NUMBER WHICH WILL BE ATTACHED TO MY DBA FOR WHICH I PLAN TO USE FOR PERSONAL BUSINESS MATTERS FURTHERMORE, FOR PERSONAL BUSINESS MATTERS I DO PLAN TO USE CREDIT FOR THESE MATTERS AND IN NO WAY AM I ATTEMPTING TO CREATE A SITUATION OF FILE SEPARATE, BUT TO USE MY 'CREDIT PROFILE, DBA' LEGALLY! I AGREE \TO HOLD WWW.LEGALCPN.COM HARMLESS; FOR THEY ARE ONLY PROCESSING MY BUSINESS PAPERWORK; AND SETTING UP MY BUSINESS DBA, UNDER WHICH ALL NECESSITIES APPLY! I UNDERSTAND (it is a federal crime to make any false statements on a loan or credit application... A credit repair company may advise you to do just that, but it is my statement by signing this contract WWW.LEGALCPN.COM HAS NEVER INFORMED ME; NOR ADVISED ME; TO MAKE ANY FALSE STATEMENTS; ON ANY CREDIT; OR LOAN APPLICATION. It is a federal crime to misrepresent your Social Security number. It also is a federal crime to obtain an EIN from the IRS under false pretenses. IT IS MY STATEMENT I AM SETTING UP A BUSINESS TO PROMOTE MYSELF AND MY PERSONAL BUSINESS ENDEAVORS, FOR WHICH IS WHY I APPLIED FOR A DBA AND AN IRS EIN! Furthermore, you could be charged with mail or wire fraud if you use the mail or the telephone to apply for credit and provide false information. Worse yet, file segregation likely would constitute civil fraud under many state laws.) WWW.LEGALCPN.COM HAS MADE THIS POINT 'VERY' CLEAR AND IN NO WAY AM I MAKING OR PLAN TO MAKE ANY FALSE STATEMENTS OR MISREPRESENTATION TO WWW.LEGALCPN.COM OR ANY PERSPECTIVE CREDITOR. I AGREE TO HOLD WWW.LEGALCPN.COM HARMLESS FOR I ONLY USED THEIR SERVICE TO ASSIST WITH PAPERWORK.

INITIALS:
SIGNATURE:

3. CREDIT BUREAU REPORTING: I understand that while most account(s) are created and setup within 3-6 DAYS I understand the process may take as long as 14 business days. I understand that in order to receive a refund I must provide a valid reason and submit it in writing no later than 3 business days after the start date of this contract! I understand I will forfeit my right to a refund after the passing of 3rd business day of the signing of this contract! Furthermore I understand I will not be eligible for a refund of any sort after THE DEPARTMENT OF TREASURY IRS DIVISION HAS ISSUED ME MY CPN NUMBER! I understand at the point i have received my CPN number from the IRS (which can be in the form of a EIN, ITIN, TIN, or Validated SSN) I would have at that point received Both Credit Bibles Valued at $120.00 and My CPN Number Set Up By WWW.LEGALCPN.COM! I UNDERSTAND I WILL NOT BE ENTITLED TO A REFUND OF ANY SORT FROM WWW.LEGALCPN.COM OR ANY OF ITS ASSIGNEES AND ANY CHARGE BACK ATTEMPT WILL BE DENIED; BECAUSE WWW.LEGALCPN.COM HAS FULFILLED ITS CONTRACT OBLIGATIONS IN FULL AND HAVE PROVIDED ME PRODUCTS AND SERVICES VALUED WAY BEYOND MY FEE OF $79.99. I UNDERSTAND I AM ONLY ENTITLED TO A FULL REFUND WITHIN (3) BUSINESS DAY FROM THE START OF THIS CONTRACT.
4. CREDIT REPAIR -VS- BUSINESS FORMATION SERVICES: I understand that I entering and signing a contract for business formation or creation services! I fully understand this is not CREDIT REPAIR! I understand that from this point I am entering into a service for business formation AND NOT CREDIT REPAIR!
5. PROMISE TO PAY: I have agreed and paid a standard processing fees immediately to COMPANY for business formation fees and trade lines. WHICH HAS ALREADY BEEN PAID, for BOTH CREDIT BIBLES, TRADE LINE(S), AND IF NEEDED AN IRS ISSUED VALIDATED CPN NUMBER WHICH CAN BE IN THE FORM OF A EIN, ITIN, TIN OR VALIDATED SSN NUMBER.
6. RETURNED AND NSF ACH PAYMENTS: In the event that my processing fee is returned due to insufficient funds, COMPANY may immediately attempt to collect the full amount by presenting my ACH authorization a second time to my original banking institution plus NSF fees. Any subsequent withdrawal attempts by COMPANY will not exceed the original processing fee or the monthly administration fee. Furthermore, I agree and understand that if The Company is unable to successfully process my electronic payment, the full amount of my obligation is not to exceed the total amount of the processing fees plus any late fees and NSF charges COMPANY will charge a fee of $15 for every NSF processed.
7. RIGHT TO RESCISSION: I understand that I have the right under federal law to cancel this contract for any reason without penalty within 3 business days from the date of this contract, and I understand that if I choose to exercise that right I will notify COMPANY in writing within the 3 business days from the date of this contract.
INITIALS:
SIGNATURE:

8. PRIMARY AND AUTHORIZED TRADE LINES: The businesses we refer you to for primary trade lines report directly to the credit agencies on a monthly basis; typically on the first of the month. I understand the credit reporting process is a process and time line which is a process out of WWW.LEGALCPN.COM's control. I have been made aware there is usually a variance in the time it takes the credit agencies to integrate data from different batches submitted to them, depending on the backlog of data that they have to deal with from the millions of other organizations submitting data and/or whether the credit agencies decide to do a quality control review of the data before completing their integration process. I am aware primary trade line accounts typically will appear on credit reports within 20 to 45 days after being reported on the first, but can take up to 90 to 180 days or more."
8 II. PRIMARY AND AUTHORIZED USER TRADE LINE AGREEMENT TO HOLD HARMLESS: Applicant promises to hold harmless A CONSUMER HOLDING TRUST; WWW.LEGALCPN.COM, its staff, and its subsidiaries or Company in the event that any third party servicing an existing account becomes suddenly unable to do so or ceases reporting. Applicant recognizes that transmission to the credit reporting agency is within the control of the finance companies involved but the timely reflection of that data on Applicant's credit report is not. Applicant promises not to hold Company responsible for any negative reporting that may occur as the result of an input error by WWW.LEGALCPN.COM or any of its assignees. Applicant understands that no specific credit result or score cannot be guaranteed by Company per Federal Trade Commission guidelines and is proceeding with the execution of this agreement under that premise. Applicant agrees that the agreement as set forth.
8 III. PRIMARY AND AUTHORIZED USER TRADE LINE CREDIT REPAIR AND CREDIT REPORTING: We DO NOT do credit repair and we do not perform any credit reporting activities. We only act as a referral source to vendors that do. We can outline several different services and programs that are offered by vendors that pass our due diligence processes and are identified as honest vendors doing positive things for the public. If you are interested in working with any of these vendors, we are happy to pass any request for assistance on to them on your behalf, but we cannot an will not guarantee their results, as we do not control the credit reporting process.
8 III. PRIMARY AND AUTHORIZED USER TRADE LINE (Release of Information/Age of Majority Statement): Applicant understands that third party affiliates, finance companies, and service providers may be given access to personal and confidential information as needed to render appropriate contracted services and hereby releases that information freely and with the understanding that Company will not be held responsible for any misuse of this information not specifically committed by Company. Applicant agrees to permit any necessary credit inquiry by Company or any third party or affiliate acting as an agent of company for rendering of services or evaluation of effectiveness of service. Applicant agrees that establishment of new accounts represents a legitimate permissible purpose as required by law to access credit reports. Applicant certifies that they are at least 18 years of age and/or have reached the age of majority in their respective state, and that the information provided is true and accurate to the best of their knowledge.
8 IV. PRIMARY AND AUTHORIZED USER TRADE LINE (Credit Mismanagement Clause): Applicant understands that applying for any new credit and/or allowing new negative items to appear on their credit reports could negate the benefit of the contracted service and that at any time a failure to manage credit as instructed by Company and its agents will permit Company to cancel this agreement and for Applicant to not be entitled to a refund.
8 V. PRIMARY AND AUTHORIZED USER TRADE LINE (Right to Cancel): Applicant may cancel this contract without penalty or obligation and will be entitled to a full refund at any time within (3) business day after the date on which this contract was signed, by submitting a signed and dated statement to the Company indicating a desire to cancel. All parties agree that the sole vested interest they have in this agreement is as expressed herein and that the agreement is fully understood as of its execution. Applicant realizes and agrees that this Agreement is fully transferable to any entity issuing credit or other accounts in his name. Additionally, Applicant certifies that he is the person represented below. By signing this service Agreement, Applicant consents and agrees to all the terms and conditions stated herein and understands that any breach of this Agreement will result in forfeiture of any fees paid. I understand if I decide to cancel this contract for any reason after the 3rd business day beyond the signing of this contract after the clients file 'HAS BEEN SUBMITTED FOR TRADE LINES,' as illustrated by company's disclosures after the first day of the new month beyond the previous month when the trade line(s) were purchased, the client may elect to cancel their service without penalty or recourse but I do acknowledge I will forfeit all fees paid for trade line service, because I do acknowledge COMPANY has invested great sums of money to have tradlines "PURCHASED," "SUBMITTED," and has spent great sums of money in manual labor to have Clients file set up for trade lines. By initials and singing below I understand the parameters and risks associated to with authorized and primary trade-lines.
INITIALS:
SIGNATURE:

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QUESTIONNAIRE INFORMATION: (THIS INFORMATION IS NEEDED TO ESTABLISH YOUR TRADE-LINES)

Affiliate Name :
Affiliate Phone Number:
Affiliate Email Address:

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Clients First Name :
Clients Middle Name :
Clients Last Name :
Clients Home Address :
City :
State :
Zip Code :

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CLIENTS CPN ADDRESS :
CITY :
STATE :
ZIP CODE :
Clients Email :
Phone Number :

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Client SSN Number :
Date of Birth :

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PAYMENT INFORMATION: (TELL US ABOUT YOUR PAYMENT SO WE CAN MATCH YOUR PAYMENT WITH YOUR ORDER)

Type of Payment Chase/ WU/ Mail/ Other :
Date of Payment Chase/ WU/ Mail/ Other :

CHASE PAYMENT DETAILS LIST THEM HERE:
DATE, AMOUNT, CITY BRANCH:

B of A PAYMENT DETAILS LIST THEM HERE:
DATE, AMOUNT, CITY BRANCH:

WESTERN UNION PAYMENT DETAILS LIST THEM HERE:
NAME, DATE, AMOUNT, SENDERS CITY AND MTC #.

MAIL PAYMENT DETAILS LIST THEM HERE:
DATE, AMOUNT, TYPE OF MAIL DELIVERY:

ANY SPECIAL PAYMENT COMMENTS OR NOTES LIST IT HERE:

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CPN OR SSN PLACEMENT INFORMATION: PLEASE BE CLEAR TO TELL US YOU NEED A CPN OR YOUR USING YOUR EXISTING
CPN OR SSN.

**DO YOU NEED A CPN? OR ARE YOU ADDING TRADELINES TO YOUR EXISTING SSN OR CPN?**
PLEASE TELL US YES I NEED A CPN OR NO IM ADDING TRADELINES TO MY EXISTING SSN OR CPN. THANK YOU

**PLEASE LIST YOUR TRADELINE SELECTION HERE**
LIST YOUR TRADELINE SELECTION HERE.

**PLEASE LIST YOUR CPN NUMBER IN THIS BOX!**
PLEASE TYPE YOUR CPN OR SSN NUMBER HERE! (If you NEED a cpn number; TYPE "I NEED A CPN FOR MY TRADELINES"
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SIGNATURE AUTHORIZATION STATEMENT: (BY SIGNING THIS CONTRACT YOU AGREE TO EVERYTHING HEREIN AND
AGREE WITH DISCLAIMER FOUND BELOW ON EVERY WWW.LEGALCPN.COM WEB PAGE)

(I/We) hereby authorize WWW.LEGALCPN.COM who received my personal credit information from myself; to use it to process the appropriate applications. It is understood that my signature on this form will also serve as authorization. This authorization expires 1 year from the date indicated on this contract. Privacy Act Notice: This information is to be used by 'COMPANY' or its Assignees and will not be disclosed to outside the agencies except as required and permitted by law. I understand that ANY abuse made against the service provider from myself may result in the merging of my CPN file and made useless! I understand that after service provider has provided all agreed upon E-Books, CPN, or Trade lines the service provider has facilitated their duties within this agreement!
IT IS MY STATEMENT THAT I AM NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS; NOR HAS WWW.LEGALCPN.COM, A CONSUMER HOLDING TRUST; WHICH IS OWNED BY A CONSUMER HOLDING TR (A IRREVOCABLE TRUST)
OR ANY AGENT WITHIN WWW.LEGALCPN.COM WHICH INCLUDES ALL ENTITIES OF SUCH OWNED BY A CONSUMER HOLDING TR; HAS INSTRUCTED ME; NOR DO I BELIEVE: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social S
ecurity Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. � 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. � 1679b(a)(2).
Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. � 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.� 45(a).
I also agree to the following User Agreement; in conjunction with WWW.LEGALCPN.COM.Com Contract Agreement; and my written contract with WWW.LEGALCPN.COM.Com, describes the terms and conditions under which WWW.LEGALCPN.COM.Com offers me access to their services. By using the services of WWW.LEGALCPN.COM.Com, i agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in my written contract with WWW.LEGALCPN.COM.Com. I have read and accepted all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. I have read the User Agreement in its entirety which is effective as of August 1, 2007, for current users, and upon acceptance for new users.
Except as otherwise provided for in this User Agreement, you irrevocably release WWW.LEGALCPN.COM.Com, its agents, directors, employees, and officers from all claims, demands and damages, including but not limited to: actual, consequential, indirect, and special damages of every kind and nature, known and unknown, arising out of your use of our services.
Resolution of Disputes
If a dispute arises between you and WWW.LEGALCPN.COM.Com, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and WWW.LEGALCPN.COM.Com agree that we will resolve any claim or controversy at law or equity that arises out of this User Agreement or our services (a "Claim") in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
Law and Forum for Disputes - This User Agreement shall be governed in all respects by the laws of the state of Michigan as they apply to agreements entered into and to be performed entirely within Michigan between Michigan residents, without regard to conflict of law provisions. You agree that any claim or dispute you may have against WWW.LEGALCPN.COM.Com must be resolved by a court located in the State of Michigan except as otherwise agreed to by the parties or as described in the Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within the State of Michigan for the purpose of litigating all such claims or disputes.
Arbitration Option - For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $15,000, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, that party shall initiate such arbitration through an established Alternative Dispute Resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration may be conducted in person, by telephone, online, and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration does not need to not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed to by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
Improperly Filed Claims - All claims you bring against WWW.LEGALCPN.COM.Com must be resolved in accordance with this Resolution of Disputes section of this User Agreement. All claims filed or brought contrary to the Resolution of Disputes section of this User Agreement shall be considered improperly filed. If you file a claim contrary to the Resolution of Disputes section of this User Agreement, then WWW.LEGALCPN.COM.Com may recover attorneys' fees and costs incurred by WWW.LEGALCPN.COM.Com, provided that WWW.LEGALCPN.COM.Com has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim. Amendments WWW.LEGALCPN.COM.Com reserves the right to amend or change this User Agreement or any part of this User Agreement. Any amendment or change is effective when we post that amendment or change on our web site.
This User Agreement, and any contract signed by you with WWW.LEGALCPN.COM.Com, set forth the entire understanding and agreement between the parties with respect to the subject matter hereof. Welcome to WWW.LEGALCPN.COM.Com. The following User Agreement, in conjunction with the Disclosure Agreement and your written contract with WWW.LEGALCPN.COM.Com, describes the terms and conditions under which WWW.LEGALCPN.COM.Com offers you access to our services. By using the services of WWW.LEGALCPN.COM.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with WWW.LEGALCPN.COM.Com.
Before you may become a subscriber of WWW.LEGALCPN.COM.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of August 1, 2007, for current users, and upon acceptance for new users.

The information provided within this contract is authorized by:

Signed By: Matt Cohen; A CONSUMER HOLDING TRUST; DBA www.legalcpn.com

Contract Signature:
Your Full Name:
Authorization Date:

Please DO NOT submit a contract application until you have made your payment. After you submit your payment you will be automactically be directed to fill out your contract and application. If you need to be directed to submit your payment please click Pay Now. After you submit your payment you will be automactically be directed to fill out your contract and application.

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14. THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED "AS IS, AS AVAILABLE." TO THE FULLEST EXTENT PERMISSIBLE BY LAW. CREDIT WIPING.COM AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, CREDIT WIPING.COM AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CREDIT WIPING.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDIT WIPING.COM AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. FURTHER, IN NO EVENT WILL CREDIT WIPING.COM BE LIABLE FOR ANY LOSS OF PROFITS, BUSINESS, USE OF DATA OR FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER BASED IN CONTRACT, NEGLIGENCE OR OTHER TORT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS, DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARA
            CTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS THE SITE OR ANY WEB SITE WITH WHICH IT IS LINKED. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.

15. You hereby agree to indemnify, defend and hold Credit Wiping.Com, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. Credit Wiping.Com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of Credit Wiping.Com.

16. Where we provide hypertext links from or to third party sites we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the Website, the content of those sites, the third parties named therein, or their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.

17. These Terms of Use contain the entire understanding between us with respect of The Site and no representation, statement, inducement oral or written, not contained herein shall bind either of us. Credit Wiping.Com reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time. Notification of changes in these Terms of Use will be posted on The Site.

18. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

19. The Site, any information provided from it and the Terms of Use are given and made in the state of Michigan, United States of America. THIS TERMS OF USE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF MICHIGAN, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN DETROIT COUNTY OF WAYNE IN THE STATE OF MICHIGAN.

20. Pursuant to Federal law we are providing the following separate written statement for your review and to acknowledge receipt thereof, which, pursuant to the requirements of Federal law, will also be delivered with any contract for credit report repair services entered into with Credit Wiping.Com:

21. The terms and conditions of use in this Terms of Use are subject to change at any time. You should review the Terms of Use regularly for any changes.

Disclosure Statement Required Pursuant to Federal Law

Consumer Credit File Rights Under State And Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. 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 a 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. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they 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 an 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
               
            IT IS OUR STATEMENT THAT CREDIT WIPING.COM IS NOT ENGAGING IN  ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers;  B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of de
            fendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. � 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. � 1679b(a)(2).

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. � 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.� 45(a).

Credit Wiping.Com has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT CREDIT WIPING.COM IS NOT ENGAGING IN  ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers;  B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perf
            orm or p
            rovide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. � 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. � 1679b(a)(2).

CREDITWIPING.COM USER AGREEMENT

This notice applies to ALL Credit Wiping.Com Subscribers!

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