Welcome!!!

We are excited to have you as a valued client and look forward to exceeding your expectations.

 

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🔐 Proof of Identity Requirements

To verify your identity, please provide the following documentation:

1. Government-issued photo ID
   A copy of your driver’s license or other valid identification that includes your current residential address.

2. Social Security verification
   A copy of your Social Security card or an official document displaying your Social Security number, such as a W-2 form, tax return, or correspondence from the Social Security Administration.

3. Proof of residence
   A recent utility bill showing your name and current address. This must match the address on your ID and be in the name of the individual signing the agreement.

4. Fax option
   If preferred, documents may be faxed to: (888) 602-0247

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🔒 Privacy Policy

We value your privacy and are committed to protecting your personal information. The types of information we collect and share depend on the products or services you engage with. This may include:

• Social Security number

• Credit profile

• Address and contact details

• Payment and account information

• Product or service preferences

Why We Share Your Information

Financial institutions share personal information to support their operations. Below are the reasons we may share your data and whether you can limit this sharing:

Reason for Sharing

 

Do We Share?Can You Limit?

Everyday business operations (e.g., processing transactions, legal compliance, credit reporting)✅ Yes❌ No

Marketing our products and services✅ Yes✅ Yes

Joint marketing with other financial institutions✅ Yes✅ Yes

Sharing with affiliates for business purposes (transactions and experiences)✅ Yes✅ Yes

Sharing with affiliates for business purposes (creditworthiness)✅ Yes✅ Yes

Sharing with third-party vendors to support services✅ Yes✅ Yes

Occasional sharing with other financial and non-financial entities✅ Yes✅ Yes

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Your Choices

You may opt out of certain types of sharing:

• Marketing communications unrelated to your contracted services

• Non-essential sharing with third parties and affiliates

To opt out, please contact us at (877) 977-0247 or email optout@nowicanown.com.

Please note:
We may begin sharing your information as of the date this notice is provided. If you are no longer a customer, we may continue to share your information as described, unless you request otherwise.

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Section applies to 

Approval Preparation and Approval Consulting

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Terms and Conditions

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Description of services.

Establish a specific action plan for mortgage prequalification, refer Client to a lender for loan prequalification.

Term:

The term of this Agreement shall be (1) one month after client has obtained mortgage prequalification, unless extended by a written agreement signed by all parties hereto. All  fees, which may arise by other institutions (i.e. accountants, attorneys,  credit repair companies, etc.), shall be the responsibility of the Client and must be paid when due.

Consulting services are completed in 2 phases.

Setup Loan Prequalification Fees.

Client shall pay Company consulting fees for the services provided upon completion of each phase of consultation. The program consulting fee is fixed and is provided to the client in writing either via email, or at the time of initial presentation (in writing) or noted at the top of this section (Mortgage Approval Preparation Agreement Home ownership Plus Program). Payment is due in full after loan prequalification is obtained.

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Consultation.

Company shall be available to consult with Client at reasonable times. Consultant shall not represent the Client but act as an advising party.

Confidentiality.

Due to the nature of this consulting service, Client understands that individuals that assist Company in this matter may view Client’s file and its contents. All people such as lender affiliates, credit consultants and secretaries have been alerted to the sensitivity of these documents

Guarantee:

NICO cannot guarantee any specific outcome for using its consulting service. Making such a guarantee would be improper and misleading. However, in every case, NICO will work diligently on your file to assist you in achieving your goal of homeownership.

Client representation.

Client understands that Company will be relying on the accuracy and truthfulness of all information provided by Client. In the event that information provided by the client is deemed incorrect or fraudulent. this  agreement will become null and void and all consulting services will cease.

Client cooperation.

Client shall fully cooperate with Company while Company is working on Client’s file and provide all requested documents and information in a timely fashion (within 5 calendar days of a request to Client). Client agrees to follow all instructions as presented by Company to Client in preparation for mortgage loan approval. Post sign-up negative credit items: Company’s consulting services are being provided based on Client’s credit information presented at the time Client agrees to retain Company’s services.

New negative credit entries.

Any negative credit items adversely affecting Client’s credit status that occur after Client has retained Company, may affect Client’s anticipated date for mortgage approval and cost for Company’s services. Depending upon the nature of additional negative credit items, mortgage approval may prohibit approval.

Liability.

The Company, its employees, agents, officers and affiliates shall not be liable to the Client, or to anyone who may claim any right due to any relationship with the Company, for any acts or omissions in the performance of services on the part of the Company or on the part of the agents, employees, affiliates or officers of the Company. The Client shall hold the Company, its’ agents, its affiliates, officers and employees free and harmless from any obligations, costs, claims, judgments, attorney’s  fees,and attachments arising from or growing out of the services rendered to the Client pursuant to the terms of this Agreement or in any way connected with the rendering of services.

Legal.

The Client understands that Company is not a legal advisor and neither can they provide legal advice on any matter.

No other agreements or promises.

This Agreement states the total understanding between Client and Company as to the scope of services discussed.

 Governing law.

This Agreement and any conflicts arising out of this Agreement shall be governed by the State of New Jersey.

 

 

 

 

Arbitration Clause / Dispute Resolution.

In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in USA , State of New Jersey, County of Essex in accordance with the Laws of the State of New Jersey for agreements to be made in and to be performed in New Jersey. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

Billing Disputes and ChargeBacks

As a current or prior customer, each customer agrees to provide 30 days to attempt settlement of any billing dispute before disputing with any third party, credit card company or bank. The company must be the first option in billing disputes. Should Now I Can Own receive a chargeback or other reversed charge from a third party, credit card company or bank on the customer's behalf, before Now I Can Own has been given a chance to resolve the issue, Now I Can Own has the right to collect on the rendered services and any fees associated with those disputes. Now I Can Own charges a $100.00 Chargeback Fee, per chargeback, should a credit card company be used as a first resort in a billing dispute. Not all billing disputes may be settled to a customer’s satisfaction. Once Now I Can Own has been given first right to settle a billing dispute, a customer may then use any third party, credit card company or bank in an attempt to settle the dispute. However, Now I Can Own still retains the right to collect on any rendered services or fees that are due. Should Now I Can Own be unable to reverse any disputed amounts with a third party, credit-card company, or bank, Now I Can Own will submit the full delinquent amount to a third party collection service, and the collection account will be reported to all major credit bureaus. Payment. Partial payment of total bill may be charged as phases of the mortgage approval consultant work is completed. Balance of or full payment for  consulting services is due in full upon obtaining mortgage prequalification on clients behalf.

Judgments & Liens.

As a condition for mortgage approval and closing, Client must satisfy all judgments and liens and obtain a release of judgments and liens. Student Loans. Student Loan Default: Clients with student loans in default will not be eligible for mortgage approval until Client has completed the necessary requirements with Department of Education or Student Loan Lender to re-establish student loan accounts to a non-default status.

Non-Coercion/Non-Collusion:

Client understands that Company if requested by Client, can refer Client to real estate agents, mortgage lenders and other professionals that Company recommends to assist Client in their home-buying process. NICO in no way recieves compensation from outside professionals. Client is under no obligation to use the services of these recommended professionals. AS A CONSUMER, YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE (IF APPLICABLE) FOR THAT SERVICE.

Underwriting Guidelines.

Client’s mortgage approval is contingent upon current underwriting guidelines and any change in underwriting guidelines may delay or prevent Client’s mortgage approval.

New Credit:

Client is not to obtain new credit during the term of this contract and any agreed upon extensions of the contract other than new credit which Company instructs Client to obtain as part of their mortgage approval plan. Clients failure to adhere to this portion may delay or prevent client from obtaining mortgage approval.

Collection Accounts:

Client understands that as a condition to receiving prequalification, the lender may require client to satisfy any remaining collection accounts on client’s credit report after credit restoration work on client’s file is completed.

 

 

 

 

 

Customer Credit Restoration and Rebuilding Agreement

 

This Customer Credit Repair Agreement (“Agreement”) is made and effective immediately (start date is the digital signing date of the contract).

 

NOW, in consideration of the promises contained herein, the parties agree as follows:

 

Definitions.

As used herein, the following terms shall have the meanings set forth below: "Products" shall mean the following Company's services to be sold by Company.

 

Terms and Conditions.

The specific services, warranties, payment terms, and total cost are set forth in the client disclosure statement incorporated herein for all purposes

 

Affiliate Service Provider.

The Company has the option of fulfilling the credit services through a third party to best serve you. For an explanation of how the Company handles your information in such circumstances see the attached privacy policy.

 

Term and Termination.

Term. This Agreement shall continue as outlined in DISCLOSURE STATEMENT- Discription of Services unless terminated by company as provided herein. Thereafter, this Agreement shall continue until terminated by conditions provided within this agreement.

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Termination for Cause.

Either party may terminate this Agreement upon giving the other party ten (10) days’ notice.

 

Limitation on Liability.

In the event of termination by either party in accordance with any of the provisions of this Agreement, neither party shall be liable to the other, because of the termination for compensation or reimbursement or damages on account of the loss of prospective profits or anticipated sales or on account of expenditures, investments, leases or commitments in connection with the business or goodwill of Company.

 

Confidentiality.

Client acknowledges that by reason of its relationship to the Company, the client it will have access to certain information and materials concerning Company's business plans, Customers, technology, and products that is confidential and of substantial value to Company, which value would be impaired if such information were disclosed to third parties. Customer agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company. Company shall advise Customer whether or not it considers any particular information or materials to be confidential.

 

Governing Law and Jurisdiction.

This Agreement shall be governed by and construed according to the laws of the State of the customer.

 

Entire Agreement.

This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing and signed by the party to be charged.

 

Notices.

Any notices required or permitted by this Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; At its principal place of business or if to Customer, at the home address given.

 

Severability.

If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effect.

 

Dispute Resolution.

In the event of any controversy, claim or dispute between the parties arising out of or conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Burlington County, New Jersey or in the county in which the consumer resides in accordance with the Laws of that State for agreements to be made in and to be performed in New Jersey.  The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award.   Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator.  This section and the arbitration requirement shall survive any termination.

 

Headings.

Headings used in this Agreement are provided for convenience only and shall not be used to construe meaning or intent.

 

Conducting of Business Electronically, Consent to be Contacted.

Customer agrees, unless specifically requested otherwise, that by entering into transactions with Company, Customer affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company. Customer has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Customer’s withdrawal of his or her consent to conduct business electronically can only occur if applicable law specifically requires Company to provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company can complete certain steps in transactions with Customer and delivering services to Customer. To inform Company that Customer either withdraws Customer’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update Customer information, Customer may send such request to: Now I Can Own 3000 Atrium Way Suite 200, Mount Laurel New Jersey, 08054

Main: 877-977-0247. Customer acknowledges and agrees that the internet is considered inherently insecure. Therefore, Customer agrees that Company has no liability to Customer whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied. At all times, Customer maintains the sole obligation to ensure they can receive Company’s electronic communications, and access them on a regular and diligent basis. Customer also agrees to be contacted by telephone on Customer’s landline and/or cell phone by Company irrespective of whether the Customer’s telephone number appears on any state or federal “Do Not Call” lists.  Customer further agrees that Company may use a computerized dialing system to contact Customer via telephone or SMS text and Customer may use a pre-recorded message when contacting Customer via telephone or SMS text.  Customer understands that his or her consent to be contacted does not require Customer to purchase any goods or services from Company. To inform Company that Customer either withdraws Customer’s consent to receive communications from Company as described directly above, or to update Customer information, Customer may send such request to the address listed directly above for Company.

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Client Obligations & Agreement.

Customer will return, along with signed agreement, a copy of their driver’s license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc.). THis is for the purpose of identity verification.

 

Customer agrees to obtain initial credit reports, with scores, from all three credit bureaus (Equifax, Experian and TransUnion) and understands that Company will not proceed with services until the initial credit reports are received by the Company. Customer also agrees to keep a credit monitoring subscription for the duration of this contract. Both obtaining an initial credit report and keeping a monthly credit monitoring subscription in good standing are NON-NEGOTIABLE.

 

Customer agrees to maintain on time monthly payments of their current credit obligations (i.e. – car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to the results obtained by NowICanOwn.

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Customer agrees and acknowledges that client may be required to establish additional credit.

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Customer agrees to contact NowICanOwn on any questions regarding their credit INCLUDING inquiries or questions regarding applying for consumer credit. Client must not obtain any new credit (other than credit advised by company to open).

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Customer agrees If the Customer was referred to NowICanOwn by a referral partner, the Customer hereby expressly consents to NowICanOwn, sharing data concerning the results of the credit restoration process with the aforementioned referral partner.

 

Customer agrees to payment terms and conditions as chosen in Exhibit A, which is incorporated into this agreement.

If the Customer fails to complete the payment schedule any and all refunds are forfeited, with the exception of a Customer cancelling the Agreement within 5 business days of the Customer’s entering into this Agreement.

Customer understands that results vary on a case-by-case basis and that NowICanOwn provides a service and has no control over removal of negative items on the credit report. Only Credit Agencies have control over results.

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Contract is for the time period outlined 60 days after the last monthly service has been performed (based upon initial credit reports being received). Either party may cancel this at any time with 10 day’s notice, sent in written format.

Customer will not be charged any advance monthly service fees for any Services (See Exhibit “A” for Explanation of Fees); rather such fees will only be charged by the Company to the Customer upon the Company’s completing the services for the Customer.    

Company will not dispute any derogatory information (defined as accurate information appearing on the Customer’s credit report), nor will Company assist Customer on improving Customer’s credit rating or record.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year of the electronic signing online.

NowICanOwn is not a debt consolidation company and therefore will not be responsible for consolidation or payment of client's debts. 

 

 

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You may cancel this contract without penalty or obligation at any time before midnight of 5 business days after electronically signing agreement.

 

 

Refund Policy

 

Any Client, who is not satisfied with their results, can request a refund according to the Now I Can Own refund policy as follows:

If your target middle score, has not been achieved within our recommended months of service, and you have complied with all terms of this agreement, we will issue a refund based on the calculation below. Prior to issuance of a refund, you must forward to us your current credit report for all three credit bureaus. Upon our review of your reports, we will calculate the total value of all successfully completed, deleted, or improved items and compare this with the amount paid for our services. If what you have paid is greater than the value of deleted or improved items, we will reimburse you the difference. Don’t worry, if the value is greater than what you have paid, you will never be charged an additional amount

 

How we calculate the number of items improved/deleted

 

*Number of items successfully improved/deleted calculation is:  An account listed on all three bureaus which has been improved/deleted would be 3 items improved/deleted.

 

YOUR TARGET MIDDLE SCORE: 640  

 

Calculating the value of our services is simple.  We multiply the number of items successfully improved* or deleted from your credit report by $ 100.00. This is not an amount you will be charged, it is simply the value we use on a per item cost basis.

CALCULATION ILLUSTRATION

Total amount paid to NICB – (# of deletions or improvements x $100.00) =DIFFERENCE

If the DIFFERENCE is a positive number this is the amount that will be refunded to you.

If the DIFFERENCE is a negative number, don’t worry, you will never be charged for any additional amount.

 

 

 

 

 

 

Information Statement

 

The agreement between You, the Client (as set forth herein and used interchangeably as “You” or “the Client”) and Now I Can Own, LLC (as set forth herein as “The Company” or “NICO”) is for the purpose of providing consulting services on credit history and doing a detailed analysis for the purpose of improving the client's creditworthiness.  Work will involve disputing inaccurate, incomplete, outdated and unverifiable information on the client’s credit report.  However, accurately reported information may not be permanently removed from the file of a consumer- reporting agency.  NICO has not and cannot guarantee any specific outcome for using its services. Because each case is different, making such a guarantee would be improper and misleading. No one can guarantee that a disputed item will be repaired, as the results that are available are completely dependent on your personal past credit history. However, in every case, NICO will work diligently on your case while adhering to the federal and state laws governing our services.

Client acknowledges that the Fee for services will be based on Client’s current credit profile at the time of initial evaluation. All work will be billed after each phase of work has been completed. The service will include analyzing Client’s credit profile, preparing and forwarding the appropriate disputes (in accordance with Client’s direction) and consulting with client regarding the facets of a credit score and keeping a strong credit profile.

NICO cannot be held responsible for any adverse impact on Client’s credit profile or credit score if Client does any of the following during the term of our contract to provide services.

• Provides inaccurate information of any kind, included but not limited to personal information.

• Changes their mailing address.

• Adds any new negative accounts to their credit report.

• Obtains new credit other than credit advised by Company to be obtained.

• Exceeds 30% of the credit limit on any open credit account.

• Violates or fails to comply with any of the Terms or Conditions contained herein.

• Adds any new late payments to their credit report

• Fails to maintain access  to  their  credit  monitoring services.

Client agrees to forward copies of all correspondence the client receives from any credit bureau, including but not limited to letters and credit reports and promptly inform NICO

 

 

of any changes in physical address and/or email address. Client understands that NICB cannot perform the services provided without obtaining copies of the credit reports and all correspondence from the credit bureaus.

Client agrees to defend, indemnify, and hold NICO and its officers, members, managers, employees, affiliates and agents harmless from and against any and all claims, demands costs or damages arising out of NICO’s provision of services to client under this Agreement or the Client’s breach of this Agreement, except for claims, demands, actions, liabilities, costs or damages arising out of NICO’s gross negligence or willful misconduct. The Client further agrees to pay NICB reasonable attorneys’ fees and costs arising from any actions or claims eligible for indemnification under this Agreement.

 

Client authorizes NICO to access Client’s credit monitoring service for purposes of providing credit restoration services only.

Client understands and acknowledges that Client must maintain an active credit monitoring service for the term of this agreement and any and additional months of service as requested by Client. Client further understands and acknowledges that failure to do so will impact the accuracy of services provided by NICO.

 

Client, the undersigned, authorizes Company to forward correspondence on Client’s behalf and/or in Client’s name for the sole purpose of addressing matters with creditors and credit reporting agencies.

The consumer has the right to review any file on the consumer maintained by any consumer- reporting agency.  Pursuant to the Fair Credit Protection Act 15 U.S.C.  15 U.S.C. 1681g, and under §14-1206 of this title; you may request and obtain a copy of a consumer report containing all the information about you in the file of a consumer- reporting agency (your “file disclosure”).

A credit reporting agency is required, if requested by consumer, to provide the consumer, free of charge, a copy of their consumer report, containing all information in the consumer’s file, if the consumer has been denied credit within 30 days from receipt of the consumer’s request Fair Credit Protection Act 15 U.S.C.1681j and under §14-1209 of this title; To enforce this right, the consumer must request the free report within 30 days of receipt of the notification of credit denial.

If the consumer has not been denied credit within 30 days from receipt of the consumer’s request, a nominal charge not to exceed $5.00 may be imposed on the consumer by the consumer- reporting agency for a copy of the consumer report containing all the information in the consumer’s file.

The consumer has the right to dispute the completeness or accuracy of any item on the consumer contained in any file that is maintained by any consumer -reporting agency pursuant to Fair Debt Protection Act 15 U.S.C. 1681i and under §14-1208 of this title; Whenever a consumer disputes the accuracy of information in the consumer’s file, the Act requires the credit reporting agency to conduct a “reasonable reinvestigation” to determine the accuracy of the information or delete the information within 30 days (45 if you provide further information during the 30 day period). Accurately reported information may not be permanently removed from the file of consumer reporting agency.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TO:

Now I Can Own c/o Good Credit Is Better LLC

3000 Atrium Way

Suite 200

Mount Laurel New Jersey, 08054

 

 

NOTICE OF RIGHT TO CANCEL

 

You may cancel this contract, without penalty or obligation, within 5 business days of electronically signing your agreement.

 

If you cancel, any payment made by you under the contract will be returned within Ten (10) business days after the date of receipt by the seller of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to: Now I Can Own

NowICanOwn LLC c/o Good Credit Is Better LLC 3000 Atrium Way Suite 200 Mount Laurel New Jersey, 08054

Main: 877-977-0247

Fax: 888-602-0247

 

at above address, not later than midnight of 5 business days after electronically signing service agreement.

 

I hereby cancel this transaction:

 

By:First Name _____________________ Last Name ___________________________

 

By: ________________________________                 Date: ____________________

(Customer Signature)                                       (Date of Customer Signature)

 

*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*

 

 

TO:

Now I Can Own c/o Good Credit Is Better LLC

3000 Atrium Way

Suite 200

Mount Laurel New Jersey, 08054

 

 

NOTICE OF RIGHT TO CANCEL

 

You may cancel this contract, without penalty or obligation, within 5 business days of electronically signing your agreement.

 

If you cancel, any payment made by you under the contract will be returned within Ten (10) business days after the date of receipt by the seller of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to NowICanOwn LLC c/o Good Credit Is Better LLC

3000 Atrium Way Suite 200 Mount Laurel New Jersey, 08054

 

at above address, not later than midnight of 5 business days after electronically signing service agreement.

 

I hereby cancel this transaction:

 

By:First Name _____________________ Last Name ___________________________

 

 

By: ________________________________                 Date: ____________________

(Customer Signature)                                       (Date of Customer Signature)

 

*ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE*

 

 

 

DISCLOSURE STATEMENT- Description of Services

 

I shall, upon the start of agreement, provide guidance to Customer with regards to obtaining the Customer’s credit reports from all three credit-reporting agencies Equifax (CSC for Texas Residents), Experian, and TransUnion via a Consumer Credit Monitoring service that updates consumer credit file data every 30 days.

 

NowICanOwn shall also, within 24 hours of receipt of Agreement signed by Customer, setup the Customer’s online file access that will allow the Customer to follow the progress of their services purchased. A unique login and password will be provided to the Customer to access their file online. The Customer will be responsible for re-setting and securing their own password.

 

NowICanOwn provide guidance when the Customer is determining the actions to take with each account in regards to that Customer's file.

NowICanOwn shall prepare challenges for items appearing on the Customer's credit report, which the Customer indicates are inaccurate, incomplete, obsolete, or may be in need of verification.

Each consecutive month while the Customer pays the monthly service fee (See Exhibit “A” for Explanation) NowICanOwn shall prepare all follow-up challenges, as per the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act and transmittal of the same. Under no circumstances shall Company charge Customer for credit repair services until such services have been provided to Customer by Company.

Every month the customer is responsible to provide NowICanOwn with all the necessary information for any credit monitoring service in order for NowICanOwn to track the changes that have occurred regarding the Customer’s credit file. The Customer from time to time may receive responses from the 3 credit bureaus, Equifax (CSC Credit Services for TX residents), Experian, and TransUnion, in response to the dispute process and shall keep these for their records, but does not need to send them back to NowICanOwn to continue the process.

 

All items resolved will also be available for the customer’s review online which is accessed online and entering the customer’s login and password provided to customer upon initiation.

 

 

 

 

 

NowICanOwn shall also provide the customer assistance in answering questions regarding customer’s accounts from Monday through Friday 9:00AM-6:00PM Eastern Standard Time.

NowICanOwn agrees only to challenge items under the above acts and as legally available.

If the customer fails to complete the payment schedule and term of the Agreement any and all refunds are forfeited. 

 

Attached Hereto, exhibit A, is the “Description of Service” accepted by the customer and incorporated herein for all purposes.

It is agreed that this Disclosure Statement has been signed prior to the execution of the Contractual Agreement between the parties.

You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract.

It is agreed that this Description of Service has been signed prior to the execution of the Contractual Agreement between the parties.

 

Limited Power of Attorney

 

This form is a limited power of attorney and will be used for the sole purpose of helping with the restoration of your credit. This does not give us full power of attorney over any of your other affairs.

 

I give NowICanOwn its officers, employees and agents, the necessary power and authority, in and on my behalf, to act as my attorney-in-fact in order to undertake and perform the following matters only as set forth herein: obtaining information, including but not limited to credit reports in my name, over the telephone, fax, and internet, through written or online correspondence from credit bureaus, creditors, or collection agencies.

If negotiation of a debt is necessary I give NowICanOwn, its officers, employees and agents the right to discuss information to help resolve a debt. I hereby authorize NowICanOwn, its officers, employees and agents this release or copy thereof to obtain any information in my credit report that may involve medical records and/or credit records.

 

 

 

 

I hereby direct said record holder authorization to release any requested information upon the presentation of this Limited Power of Attorney. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records, Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems), consumer reporting agencies, retail business establishments, lending institutions, student loan agencies (public and/or private), from liability including whatever kind which may at any time result to me, my heirs, family or associates, because of compliance with this authorization to release information, or any attempt to comply with it.

I have the right to revoke or terminate this Limited Power of Attorney at any time. This Limited Power of Attorney shall terminate 60 days after services are complete under the terms and conditions set forth below. My attorney-in-fact shall not be liable for any acts or decisions made in good faith and pursuant to the terms herein. All issues pertaining to validity, interpretation, and administration of this Limited Power of Attorney shall be determined in accordance with the laws of New Jersey.

It is agreed that this Limited Power of Attorney has been signed prior to the execution of the Contractual Agreement between the parties.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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, 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'.

 

(b) Separate Statement Requirement.--The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.

(1) In general.--The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.

 

(2) Maintenance for 2 years.--The copy of any consumer's statement shall be maintained in the organization's files for 2 years after the date on which the statement is signed by the consumer.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Documents:

NowICanOwn does not accept supporting documentation required by lenders. Documents are sent directly to lenders. Under no circumstances does the company accept documents on behalf of clients for lenders.