Credit Health Agreement

This page contains:

1. Credit Health Service Agreement
2. Authorization for Credit Health Action
3. Consumer Credit File Rights (CROA Disclosure)
4. Right Of Cancellation Notice
5. Client Onboarding Questionnaire Form

1. Credit Health Service Agreement

I, the undersigned, hereby enter into the following agreement with E-comm Gurus, LLC.

E-Comm Gurus, LLC hereby agrees to perform the following:

  • To evaluate Customer’s current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with Our Company, to dispute any inaccurate, erroneous, false or obsolete information contained in the customer’s credit reports.
  • To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in customer’s credit reports.
  • To review credit profile status from the credit reporting agencies such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

In exchange, I, the undersigned, agree to pay the following fees as outlined in the following fee schedule:

  • $500 at signup for document processing as deposit
  • $500 in 30 days of the signing of this agreement.
Any other payment arrangements must be agreed by both parties via email.

2. Authorization for Credit Health Action

1. I, the undersigned, hereafter known as “client” hereby authorize, E-Comm Gurus, LLC of 5401 Collins Ave., STE 425, Miami Beach, FL 33140, to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments in writing of whatever and nature shall only be effective for any or all of the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be necessary or proper in the exercise of the rights and powers herein granted.

2. This authorization may be revoked by the undersigned at any time by giving written notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire twelve months from the date of signature.

3. The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.

4. I grant to E-Comm Gurus, LLC: 5401 Collins Ave., STE 425, Miami Beach, FL 33140, authority to do, take, and perform, all acts and things whatsoever
requisite, proper, or necessary to be done, in the exercise of improving my credit rating with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally present.

5. I hereby release E-Comm Gurus, LLC: 5401 Collins Ave., STE 425, Miami Beach, FL 33140, from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.

3. 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 a 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 up to 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 violated 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 that 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.

4. Notice of Right to Cancel

”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 E-Comm Gurus, LLC: 5401 Collins Ave., STE 425, Miami Beach, FL 33140, before midnight on the 3rd day which begins after the date you have signed this contract stating ”I hereby cancel this transaction, (date) (purchaser’s signature).’’

5. Client Onboarding Questionnaire

After we collect the payment of our fee, you will receive a questionnaire form that will help us gather the required information we need to be able to provide you the above stated services. Please fill out the questionnaire to the best of your ability. If you have any questions or have any issues accessing the form, please do not hesitate to contact us. Please make sure the address on your ID matches the address on the utility bill or bank statement. If any of the required fields within the questionnaire do not apply to you, please use N/A in the required field. Failure to submit this form promptly will result in delays in starting the delivery of our services to you.

Please acknowledge your receipt of this notice by electronically signing the form indicated below.

After you sign your contract, you will be redirected to a page to make your payment. If you have any questions please contact your Account Executive of email us at

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