Terms and Conditions and SEC Disclosures

Covered Services
You are signing up to receive the following services:

- Unlimited consultation with your Credit Repair Specialist
- Constant monitoring of your file with new suggestions of how to continue to improve your credit score
- Unlimited legitimate disputes of inaccurate information with Credit Bureaus
- No additional fees for corrections made by the Bureaus
- Unlimited access to Inhouse’s Secure Credit Repair Center and all Wizards
- Setup and real time updates of your Negative Credit History dispute file
- In depth initial and subsequent credit file reviews
- Unlimited access to your assigned Credit Repair Specialist
- Proactive file reviews, analysis and consultations of Credit Score acceleration techniques best suited for your unique situation

Free Trial
You are signing up to receive a 14-Day Free Trial.  The14-Day Free Trial means that you will receive all of services for 14-Days at no cost to you if you cancel at anytime within the 14-Day Trial Period.  If you do not cancel within the 14-Day period, your credit card will be charged the first months service charge for those services we provided durring the trial period. The trial period is not free if you do not cancel our services within the trial period and instead continue to use our services.

Cost of Services
The monthly costs for the Services described above are $49.00 for individuals and $79.00 for couples.  We will charge your credit card on the 31st day after you first signed-up with us (unless you cancel sooner) and then again every 30-days thereafter until you terminate the contract for any reason.   

Duration of Services
You receive the same steady Services every month.  Most people begin to see improvements to their credit score after the first 60-days of receiving our Services.  Most people realize the greatest benefits to their credit score if they continue to use our Services for 10 – 12 months.  Every scenario is different, you may be able to get all of the results you need by disputing your inaccurate credit only once or it may take as many as 12 Months to receive your desired results.  There is no way for us to advise you exactly how long you should continue to use our Services.

Guarantee
Inhouse Credit LLC believes that if we have not helped you, we do not deserve your money. We cannot make any promises about how much your credit will increase while following our program. Every person is completely unique and their particular circumstances greatly effect the credit model calculations. We cannot predict the future. However, we utilize lawful means to increase your credit score and typically our clients enjoy an increased credit score through participation in our credit repair system. If you follow our instructions, as provided in your contract with us, for a period of not less than 6-Months, and your credit score has not increased, we will refund every dollar you paid us for our services.

Right to Cancel
The SEC requires that we advise you that you can cancel this contract within 3-days for any reason.  Since we give you a 30-day trial we really give you 30-days to cancel without any charge.  After your trial period you can cancel anytime for any reason without penalty.  Upon notice of your cancelation we will continue to provide you Services through the end of your then current billing cycle and charge your credit card your final payment on the last day of your current billing cycle.

Other Services
While you are our Client, we will advise you of other services that will help boost your credit score.  Some of those services may require additional fees.  If you engage us for any of those additional services you will enter into a separate agreement for those services, this contract only covers those Covered Services.

Written Agreement
The FTC Requires that this Agreement be in writing.  As such you are required to print this Agreement, sign and date it and fax it to 1-877-468-6271.  Not with-standing, to the extent authorized by law if you sign up for our services you agree to the Terms and Conditions of this Agreement and by entering your initials and clicking the accept button you are giving us your electronic signature that we will print out and maintain and enforce the same as a faxed Agreement signed by you.

Contact Us
You can contact us at:
Inhouse Credit Inc.
3991 MacArthur Blvd, Suite 400, NewPort Beach, CA 92660

Notice of Cancellation

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 Inhouse Credit Inc. at 3991 MacArthur Blvd., Suite 400, Newport Beach, CA, 92660, or fax cancellation to 949-209-2649 before midnight on the third day after the day you signed up for our services.

WE ONLY ACCEPT CLIENTS IN THE FOLLOWING STATES:

ALABAMA , ALASKA , ARIZONA , ARKANSAS , FLORIDA , GEORGIA , KENTUCKY , MASSACHUSETTS , MICHIGAN , NEW HAMPSHIRE , NEW JERSEY , NEW MEXICO , NEW YORK , OKLAHOMA , OREGON , RHODE ISLAND , SOUTH DAKOTA , VERMONT , WASHINGTON , WYOMING. If you are from a state not listed above, please contact a credit repair provider in your state.

FTC REQUIRED DISCLOSURES

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'.