Back On Track Financial Consultation Services

Credit Consultation Agreement

This agreement between (Back On Track Financial Services) and you
_______________________________ is a legally binding agreement. (Back On Track
Financial Services) agrees to provide consultation to clients wishing to improve their personal
credit, finances, knowledge of their credit rights, credit identity theft, choices and options and
more. Please note that the agreed upon charge is for one or more of the following services:
Initial Consultation, File Preparation; Credit Analysis; Researching laws and documents;
Expertise and Knowledge; Reviewing Credit Reports; Data Processing; Consulting Education;
Enrollment, Initial Credit Audit, Rebuilding Guide, Preparing documents; our time. For these

Although we cannot guarantee by law a certain outcome, we know that by utilizing the Federal
Law, the Fair Credit Reporting Act, we can assist you in getting items deleted/corrected with an
overall positive outcome.

______________________________ ____________________________
Client’s Printed Name Spouse’s Printed Name
_______________________________ _______________________________
Client’s Signature Spouse’s Signature (if hiring us also)
Date: ____________________________ Date: _______________________
services above, you agree to pay a $297.00 to start and 97.00 per month.

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Back On Track Financial Education Services

Credit Consultation Application

First Name: ______________________________________ MI_____ Last Name: _______________________________
Maiden Name: ________________________________________________________________________________________
Current Address: _____________________________________________________________________________________
City:___________________________________________________ State______________ Zip:_______________________
Previous Address:____________________________________________________________________________________
(If less than 3 years)
Home Phone: _____________________________________ Mobile Phone: __________________________________
Work Phone: _____________________________________ Fax Number: ____________________________________
Email 1:___________________________________________ Email 2:__________________________________________
Date of Birth: _____________________________________ SS#______________________________________________
Employed By: ________________________________________________________________________________________

Referred By: _________________________________________________________________________________________

Reason for Credit Repair: ___________________________________________________________________________

________________________________________________________________________________________________________

Sign: _______________________________________________ Date:_________________________________________

.

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Back On Track Financial Services
Customer Obligation-Power OF Attorney Contract

CUSTOMER OBLIGATION:
To complete the full process of credit repair, when you receive information in the mail from Equifax, Experian
and TransUnion, it is imperative that you contact Back On Track Financial Education Services. The information
received from the credit bureaus will help us to continue the dispute process. Failure to contact us promptly will
result in delay or non-completion of your credit repair. It is the customer obligation not to apply for new credit
while Back On Track Financial Services is in process of disputing and resolving disputed items on your credit
report. By applying for new credit it will negate the progress that we have made and may terminate this
contract. I understand that if I agree to a payment plan and fail to make promised payments all
items that were deleted will be placed back on my report and my account with Back On Track
may Possibly go into COLLECTIONS.
By participating, you consent to receive text, email and phone messages sent by an automatic telephone
dialing system. Consent to these terms is not a condition of purchase. Message and data rates may
apply.
POWER OF ATTORNEY:
I do hereby grant a limited power of attorney to Back On Track Financial Education Services for 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. This limited
power of attorney is given to Back On Track Financial in compliance with section 611 of the Federal Fair
Credit Reporting Act.
PAYMENT TERMS:
I the Client understands and promises to pay to Back On Track the total amount for the full performance of the
services. Back On Track will begin performance of the services described after 3 days have passed from the
date the Client executes this Contract (The Client understands the initial payment of 297.00 is due on the date
the Client executes this Contract. The second payment is due thirty (30) days after the initial payment, and the
third payment is due thirty (30) days after the second payment and so on. THE FIRST PAYMENT IS DUE ON
THE DATE THE CLIENT EXECUTES THIS CONTRACT which is the third day after signing the contract.
The Client understands if payment is not made in accordance with this Contract, the Client shall be in breach of
obligations are made in accordance with this Contract. The Client understands there are no refunds for services
fully performed.

Sign: _______________________________________________ Date:_________________________________________
this Contract and from the date of the breach, all of the Client’s services will be suspended until payment

There is no refund unless there have not been any removals in 90 days.

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Back On Track Financial Services
Virtual Check Payment Plan Authorization Form

it’s easy to set-up, and your payments will take care of themselves. Just complete and sign the form below to get
started! When the total due is collected, the schedule ends and the authorization is terminated. You authorize the
regularly scheduled charges to your bank account.

Payment Frequency: Every 30 Days
Start Date:

I ____________________________ authorize Back On Track Financial Education Services to charge my account indicated
below to discharge the above debt for Credit Restoration, using installment payments in the amount and schedule
indicated. If I cannot make the payment I must provide the company with at least 24 hours of notice and they will not
take the payment at that time I must reschedule another date that the payment must be taken.

Billing Address ____________________________ Phone# ________________________
City, State, Zip ____________________________ Email ________________________

Account Type: Checking Savings
Account holder Name _________________________________________________

Checking Account #: _____________________________________________

Routing #: _____________________________________________
Payment Amount:97.00

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SIGNATURE DATE
I authorize Back On Track Financial Services to charge the Bank account indicated in this authorization form according to
the terms outlined above. If the above noted payment date(s) fall on a weekend or holiday, I understand that the
payment may be executed on the next business day. I understand that this authorization will remain in effect until the
debt is fully discharged. I agree to notify the business of any changes in my account information or termination of this
authorization at least 15 days prior to the next billing date. I certify that I am an authorized user of this bank account
and that I will not dispute the payments with my bank; so long as the transaction corresponds to the terms indicated in this form.