NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2C
Chicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703
Outside IL 800.611.4993
THINGS YOU WILL NEED TO DO
1. You will need to fill out the Nationwide Credit Contract and fax or mail it back to
Nationwide Credit Clearing with a copy of one of the following items: your
driver’s license, State Id, phone bill, electric bill, or gas bill with your name and
your current home address.
2. You will begin to receive, new updated credit reports from Trans Union, Equifax
and Experian within 35 to 40 days from the time the original disputes have been
sent.
3. Once you receive your updated reports, please make copies for your file. These
reports will inform you of what has been deleted from your credit file.
4. Next you need to mail the original reports back to Nationwide Credit. THIS IS A
MUST! Without these updated reports, we will be unable to continue to work on
your case. Please be patient. This is a very effective program. As long as you follow the
instructions, and stay in contact with us. You should end up with a great credit report!
If you have any questions during this process, please feel free to call us.
YOU MUST FAX OR MAIL BACK YOUR CONTRACT US
WITHIN 48 HOURS
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2C
Chicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703
Outside IL 800.611.4993
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have the 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 seven (7) years old. Bankruptcy information can be reported for ten (10) years.
You have the 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 sixty (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 sixty (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 the right to sue credit repair organizations that violate 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 the information in your credit file. The credit bureau must then re-investigate 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 re-investigation 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 Signature ___________________________
Federal Trade Commission
Washington, D.C. 20580 Date ______________________________
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2C
Chicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703
Outside IL 800.611.4993
CONSUMER STATEMENT
YOUR STATE LEGISLATORS AND NATIONWIDE CREDIT CLEARING (HEREINAFTER “CONSULTANT”) BOTH HAVE A STRONG INTEREST IN YOUR PROTECTION AS A CONSUMER. MOST STATE LAWS REQUIRE THAT YOU RECEIVE THE FOLLOWING INFORMATION:
Prior to the execution of a contract with a credit services business, state laws require that the credit services business provide the consumer an information statement in writing with the following information. You must acknowledge receipt of such information statement by placing your signature on the face thereof.
The Federal Fair Credit Reporting Act and most state credit service acts give you the right to know what your credit file contains, and the consumer-reporting agency must provide someone to help you interpret the data. States’ Fair Credit Reporting Acts give you the right to receive an actual copy of your credit report. You may be required to identify yourself to the consumer reporting agency and you may be charged a small fee. There is no fee, however, if you have been turned down for credit, employment or insurance because of information contained in a report within the preceding 30 days. The nominal cost of obtaining credit reports is $15 to $20 per report in most states (ME: $2, MD: $5, CA: $8, CT: $10).
Consumer reporting agencies are required to follow reasonable procedures to ensure that subscribing creditors report information accurately. However, mistakes may occur. That’s when your rights under the Fair Credit Reporting Act are important.
When you notify the consumer-reporting agency in writing that you dispute the accuracy of information, it must re-investigate and modify or remove inaccurate data. The consumer reporting agency must not charge any fee for this service. Pertinent data concerning errors should be given to the consumer-reporting agency.
Credit reporting agencies have no obligation to remove information from credit reports unless the information is erroneous, cannot be verified, or is more than 7 years old. Further, they have no obligation to remove information concerning bankruptcies unless such information is erroneous, cannot be verified, or is more than 10 years old.
After seven years or ten years, the information cannot be disclosed by a credit-reporting agency unless you are being investigated for a credit application of $50,000.00 or more or for employment at an annual salary of $25,000.00 or more.
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If re-investigation does not resolve the dispute to your satisfaction, you may enter a statement of one hundred (100) words or less in your file, explaining why you think the record is inaccurate.
The consumer-reporting agency must include your statement about disputed data (or a coded version of it) with any reports it issues about you. State laws also provide that, at your request, the consumer-reporting agency must notify any person who has received a report in the previous year that an error existed and furnish such person with the corrected information.
You have the right to dispute directly with the consumer-reporting agency the completeness or accuracy of any item contained in your file maintained by that agency. You also have the right to retain counsel or to hire a professional to assist or represent you. Also, there may be nonprofit credit available to help you. It is illegal to represent that accurate counseling services information can be permanently removed from the files of a consumer-reporting agency.
However, there is no law requiring credit bureaus to report any particular information, so it follows that if accurate information is removed from your report by the credit bureaus, it may never be re-reported.
A complete and detailed description of the services to be performed by Consultant and the total cost for such services are in the Consultant’s Credit Service Agreement, which the client will receive along with this Consumer Statement.
I HAVE REVIEWED, UNDERSTAND, AND HAVE RECEIVED A COPY OF THE ABOVE INFORMATION:
Signature ___________________________
Date ____________________________
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2C
Chicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703
Outside IL 800.611.4993
CREDIT SERVICES AGREEMENT
(Initial Consultation)
Client authorizes NATIONWIDE CREDIT CLEARING (hereinafter “Consultant”) to prepare all correspondence required to challenge negative information contained in Client’s credit reports acquired from EXPERIAN, TRANSUNION and CBI EQUIFAX. Consultant will assist Client in the process of removing negative information from his/her credit report using every legal method available. Client will pay Consultant $499.00 as an initial consultation fee for advising Client of his/her rights according to the Fair Credit Reporting Act and assisting Client in properly ordering credit reports from each of the above-listed credit reporting firms. Consultant’s agent for service of process is located at the same name and address as printed on the top of this Agreement.
(ALL NSF CHECKS WILL BE CHARGE A FEE OF $ 10.00)
Client signifies his/her assent to the terms of this Agreement by signing below:
Signature _________________________
Date __________________________
You, the buyer, may cancel this contract at any time before midnight of the third day after the date of the
transaction. See the attached notice of cancellation form for an explanation of this right.
Notice of Cancellation
You may cancel this contract, without any
penalty or obligation, within three (3) days after
the date the contract is signed. If you cancel, I HEREBY CANCEL THIS
any payment made by you under this contract TRANSACTION:
will be returned within ten (10) days after the
date of receipt, by the seller, of your
cancellation notice. To cancel this contract,
mail or deliver a signed, dated copy of this Purchaser’s Signature ______________________________
cancellation notice, or other written notice to:
Purchaser’s Printed Name __________________________
NATIONWIDE CREDIT CLEARING Date ___________________________
2320 N Damen Ave, Suite 2C, Chicago, IL 60647
No later than midnight on the following date:
________________________________________
Notice of Cancellation
You may cancel this contract, without any
penalty or obligation, within three (3) days after
the date the contract is signed. If you cancel, I HEREBY CANCEL THIS
any payment made by you under this contract TRANSACTION:
will be returned within ten (10) days after the
date of receipt, by the seller, of your
cancellation notice. To cancel this contract,
mail or deliver a signed, dated copy of this Purchaser’s Signature ____________________________
cancellation notice, or other written notice to:
Purchaser’s Printed Name _________________________
NATIONWIDE CREDIT CLEARING Date ___________________________
2320 N Damen Ave, Suite 2C, Chicago, IL 60647
No later than midnight on the following date:
________________________________________
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2CChicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703Outside IL 800.611.4993
CREDIT SERVICES AGREEMENT
(Credit Correction Service)
After Consultant has challenged the negative information on Client’s TransUnion, Experian and Equifax credit bureaus, which consists of sending challenging or disputing letters to TransUnion, Experian and Equifax, and clients will receive all three updated reports. Client agrees to pay Consultant $0; the period of this contract is 365 days from when Clients receive all three reports. Consultant’s agent for service or process is located at the same name and address as printed on the top of this agreement.
(ALL NSF CHECKS WILL BE CHARGE A FEE OF $ 10.00)
Client signifies his/her assent to the terms of this Agreement by signing below:
Signature ___________________________
Date ___________________________
You, the buyer, may cancel this contract at any time before midnight of the third day after the date of the
transaction. See the attached notice of cancellation form for an explanation of this right.
Notice of Cancellation
You may cancel this contract, without any
penalty or obligation, within three (3) days after
the date the contract is signed. If you cancel, I HEREBY CANCEL THIS
any payment made by you under this contract TRANSACTION:
will be returned within ten (10) days after the
date of receipt, by the seller, of your
cancellation notice. To cancel this contract,
mail or deliver a signed, dated copy of this Purchaser’s Signature ______________________________
cancellation notice, or other written notice to:
Purchaser’s Printed Name ___________________________
NATIONWIDE CREDIT CLEARING Date ___________________________
2320 N Damen Ave, Suite 2C, Chicago, IL 60647
No later than midnight on the following date:
________________________________________
Notice of Cancellation
You may cancel this contract, without any
penalty or obligation, within three (3) days after
the date the contract is signed. If you cancel, I HEREBY CANCEL THIS
any payment made by you under this contract TRANSACTION:
will be returned within ten (10) days after the
date of receipt, by the seller, of your
cancellation notice. To cancel this contract,
mail or deliver a signed, dated copy of this Purchaser’s Signature ______________________________
cancellation notice, or other written notice to:
Purchaser’s Printed Name __________________________
NATIONWIDE CREDIT CLEARING Date ___________________________
2320 N Damen Ave, Suite 2C, Chicago, IL 60647
No later than midnight on the following date:
________________________________________
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2CChicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703Outside IL 800.611.4993
LIMITED POWER OF ATTORNEY
The undersigned hereby makes, constitutes, and appoints NATIONWIDE CREDIT
CLEARING with offices at 2320 N DAMEN AVE, SUITE 2C, CHICAGO, IL 60647, and its contractors, subcontractors, and agents, his/her/their true and lawful attorney for his/her/them and in his/her/their name, place and stead and for his/her/their use and benefit:
TO DISCUSS AND/OR TO CORRESPOND WITH THE UNDERSIGNED’S
CREDITOR(S) OR ANY CREDIT REPORTING AGENCY(S) ON BEHALF OF THE UNDERSIGNED, TO SIGN LETTERS, DOCUMENTS, QUESTIONNAIRES, REPORTS, INQUIRIES, REQUESTS FOR INFORMATION AND/OR AUTHORIZATIONS IN THE NAME OF THE UNDERSIGNED; TO PREPARE DOCUMENTS, QUESTIONNAIRES, CREDIT FILE DISCLOSURE APPLICATIONS, REPORTS, INQUIRIES, REQUESTS FOR
INFORMATION, LETTERS AND/OR AUTHORIZATIONS IN THE UNDERSIGNED’S
NAME; TO LITERALLY SIGN THE UNDERSIGNED’S NAMED IN REGARD TO ANY OF THE ABOVE-RELATED MATTERS; TO RECEIVE AND/OR OBTAIN CREDIT REPORTS OR COPIES THEREOF FROM ANY CREDIT REPORTING AGENCY(S).
I HAVE READ THIS LIMITED POWER OF ATTORNEY AND FULLY UNDERSTAND ITS PURPOSE, TERMS, AND PROVISIONS.
EXECUTED THIS ___________ day of ______________, 20__________.
____________________________________________________
Signature
____________________________________________________
Print Name
Benjamin Legal Services A Professional Corporation
2320 NORTH DAMEN AVE, SUITE 2C, CHICAGO, ILLINOIS 60647
LIMITED POWER OF ATTORNEY
KNOW ALL PEOPLE BY THESE PRESENTS THAT I, the undersigned, (hereinafter referred to as Principal), of the
__________ of ____________, County of __________ and State of ________________, client of Benjamin Legal Services, P.C. attorneys at law, have made, constituted, and appointed and BY THESE PRESENTS do hereby make, constitute, and appoint: Benjamin Legal Services, P.C., Attorneys at Law, and/or his/her/its assigns, 2320 N. Damen Ave., # 2C, Chicago, IL 60647 (312) 853-3100, and/or any of them, to be Principal’s true and lawful ATTORNEYS and in my name, place and stead; to act on Principal’s behalf and for Principal’s use and benefit to:
prosecute Principal’s claims against: Trans Union, Experian and/or Equifax; or any consumer reporting agency or their subscriber’s or any of Principal’s creditors; to order, and to receive, consumer credit reports from all consumer reporting agencies on behalf of Principal, and to dispute or negotiate settlements of all derogatory accounts or information reported in Principal’s Consumer Credit Reports, with any Consumer Reporting Agency or Creditor of Principal; and to investigate, audit and verify Principal’s Consumer Credit Reports (pursuant to the Federal Fair Credit Reporting Act and any other relevant Federal or State statutes, or Federal Trade Commission regulations);
arising out of the alleged inaccurate, obsolete, unverifiable, etc., credit information contained on the consumer credit reports maintained by the aforesaid consumer reporting agencies; said ATTORNEYS shall be authorized to transact all business, and make, execute, acknowledge, and deliver and receive all consumer credit reports, documentation and correspondence to and directly from any and all consumer reporting agencies and with respect to Principal’s consumer credit reports with any consumer reporting agency, subscriber or creditor of Principal;
& BY THIS DOCUMENT, PRINCIPAL DOES HEREBY GIVE AND GRANT UNTO PRINCIPAL’S SAID ATTORNEYS IN FACT,
full power and authority to do and perform each and every act requisite and necessary and to otherwise act on Principal’s behalf as if they were Principal, and to do anything which may be necessary or convenient, in connection with any of the foregoing, as fully and to all intents and purposes, effectually and in all respects as Principal might or could do if personally present at the doing thereof, hereby ratifying and confirming all that Principal’s said attorney in fact shall lawfully do or cause to be done by authority hereof. Principal authorizes ATTORNEYS to audit Principal’s consumer credit reports and to act to clarify, modify, verify correct, dispute, remove or otherwise act on any of the negative or positive items on Principal’s consumer credit report with any consumer reporting agency, subscriber or creditor and to add, modify or delete any consumer statement as Attorney sees fit, and any and all other acts and deeds which Principal might be called upon to make or conduct in the disposition of the aforesaid claim(s);
Principal agrees to indemnify and hold harmless Benjamin Legal Services, P.C., and assigns (as noted above) from any and all claims, liability or costs, resulting from or otherwise connected with assigns actions as provided for herein and Principal does hereby grant onto Principal’s said attorneys in fact full power and authority to sign Principal’s name as if it were Principal and to use or cause to be used, Attorneys (or other) addresses for receipt of any consumer report or response from any consumer reporting agency regarding said report;
Principal specifically requests Principal’s ATTORNEYS be authorized to order, obtain & receive a consumer credit report on Principal, for the appropriate fee, directly from all consumer reporting agencies and to require any consumer reporting agency or creditor(s) to forward all updated, original or other consumer credit reports directly to Principal’s Attorney’s Address and to request and require any consumer reporting agency, subscriber or creditor to deal directly with said ATTORNEYS;
Principal acknowledges Firm is granted power and authority to gather all necessary information for the sole purpose of requesting, obtaining and disputing any information appearing on Principals consumer credit reports. Principal understands that he/she has the legal right to dispute any information appearing on his/her consumer credit reports, on their own or through the services of an attorney. Due to the nature of this legal service Principal understands that individuals that assist the Firm in this matter may view his/her file and its contents. All people, including but not limited to, secretaries, legal and research assistants, clerks, other attorney, and the like, have been alerted to the sensitive nature of these documents. Firm and the staff of Firm, will take reasonable measures to insure that this information will be handled in a responsible manner but Principal agrees to hold Firm harmless for the actions of its staff in this regard. Firm assumes no legal, equitable or other responsibility for this.
X __________________________________________________
Print Name: ____________________________________________, Principal
Subscribed and sworn to before me this
________ day of _____________, 200____.
X___________________________
Notary Public My commission expires: _____________
NATIONWIDE CREDIT CLEARING
2320 North Damen Ave, Ste 2C
Chicago, IL 60647
Phone 773.862.7700 Fax 773.862.7703
Outside IL 800.611.4993
Date______________________________________________
Where did you see our ad?__________________________
Name____________________________________________
Birthdate_________________________________________
SS#______________________________________________
Address _________________________________________
City, State & Zip __________________________________
Years lived there __________________________________
Previous address __________________________________
City, State & Zip __________________________________
Home phone _____________________________________
Work phone______________________________________
Cell/Pager#______________________________________
Fax phone _______________________________________
CC or Debit card # Exp. V-code _____________________
E-mail address:____________________________________
__________________________________________________
Account # Routing
__________________________________________________
Name on check Bank Name
___________________________________________________
City and State of Bank Check Dates Check #
