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R&R Financial Group Inc

1500 Ravinia Pl Orland Park, IL 60462

Phone: (708)680-7600 • Fax (708)310-4253• Support@rrcredit.com

Name of Applicant:

Home Address: _

City: State: _ Zip:

The client by signing below hereby engages and retains R&R Financial Group Inc to represent said client under the following terms and conditions:

1. DESCRIPTION OF SERVICES TO BE PERFORMED

R&R Financial Group Inc agrees to perform the following services for the client:

A. Consultation and advice, as required and as proper bearing on general client financial issues.

B. Receipt, interpretation, analysis and computer entry of consumer credit reports as provided or authorized by client.

C. Reasonable disputes of potentially inaccurate, unverifiable, or incomplete information appearing on the consumer credit reports as noted in the Fair Credit Reporting Act. I5 USC, 1681-1681t (FCRA) as required.

D. Prepare necessary documentation and forward client authorized disputes to credit bureaus, creditors, etc via regular mail from credit reports as supplied by client if necessary.

E. Review of client’s case with client as required.

F Creation and maintenance of standard format consumer credit reports with information from the three major credit reporting agencies.

G. Evaluate previous response from credit bureaus and update file.

H. Establish the basis for credit auditing using the credit bureaus response.

I. Using their best judgment to re-audit, re-challenge, and verify accuracy by auditing the information being supplied to the credit bureaus by creditors.

J. Written recording of client communication with company.

K. Other services, as required and proper bearing on the credit, debt, and financial situation of client.

L. When the R&R Financial Group Inc, receives legible copies of credit reports from you, it will draft, sign, and send letters to the three major credit bureaus, or to the furnishers, on your behalf and in your name. The expanded services interventions do not involve contesting facts. This Agreement does not include litigation.

2. CLIENT COMMITMENT

A. I (the undersigned) agree to forward the all correspondence from the credit bureaus, creditors, collectors, including consumer credit reports and all other correspondence to R&R Financial Group Inc, within 48 hours of my receipt of them.

B. I understand that it is my responsibility to notify R&R Financial Group Inc, on a monthly basis if I do not receive any report, or notices. I understand that R&R Financial Group Inc will be limited in its ability to provide the services outlined in the agreement if I do not notify them that I am not receiving reports from either one of the three major bureaus.

C. I understand that it will be necessary for me to purchase or otherwise obtain credit reports from Equifax, Experian and Trans Union thru a trimerge credit monitoring service (ex: RRFCR.com, enhance wellsfargoprotection.com , creditchecktotal.com, mycreditdream.com) I understand that R&R Financial Group Inc, will be limited in its ability to provide the services outlined in the agreement if I do not provide the updated credit reports at the rate of one credit report per bureau every thirty days.

D. I agree to inform R&R Financial Group Inc, of any change of address within five days of such change, I will provide two legal forms with my name and current address. I understand that R&R Financial Group Inc will be limited in its ability to provide the services outlined in the agreement if I do not provide a current and proper street address for myself.

E. I understand that the success of the services detailed herein depends heavily upon my fulfillment of these commitments.

3. DISCLAIMERS

A. Since the success of the services outlined herein depends on the completion of my commitments and the willingness of the Individual Credit reporting agencies to comply with the FCRA, I understand that R&R Financial Group Inc, cannot guarantee any individual or specific results. Pertaining to this agreement, time is of the essence, and the desired outcome of legal services may require more than twelve (12) months.

B. I understand that the services detailed here may create renewed or increased action on the part of my creditors if there are outstanding obligations. R&R Financial Group Inc recommends that all outstanding obligations be satisfied and they stand ready to assist the client in completing the settlement of all outstanding debts for an additional fee. However, I understand that R&R Financial Group Inc is not responsible for renewed collection activity or other legal actions

C. I understand that the services detailed in this agreement may result in the removal of positive listings of credit from my consumer credit reports. I understand that I may contact these creditors at the completion of my case and request that they re-report the positive listings.

D. I understand that there may be other services suggested in the interest of my case, and I understand that the fees paid for the services detailed in this agreement cover only the services detailed herein. This agreement does not include debt settlement, negotiation, debt consolidation, suing creditors, etc, bankruptcy, postage beyond regular first class, or registered and certified. These services carry additional fees.

4. LETTERS OF APPEAL

A. I understand that R&R Financial Group Inc, may create and sign correspondence on my behalf to communicate my claims of inaccuracy, untimeliness, or unverified items to the consumer credit bureaus, creditors etc. as noted in Sections (1), and my signature at the bottom of this contract indicate that I have authorized R&R Financial Group Inc, to do so.

I. PRINCIPAL AND ATTORNEY-IN-FACT

I hereby appoint the following person to serve as my attorney-in-fact, to act for me in any lawful way with respect to the subjects indicated below.

Name: R&R Financial Group Inc and direct working relations

II. EFFECTIVE TIME

This Power of Attorney shall become effective immediately and shall continue to be effective for one year past this contract or until I give written notice of cancellation to the address listed above voiding power of attorney

III. POWERS OF ATTORNEY-IN-FACT

My attorney-in-fact shall have the power to act in my name, place and stead in any way which I myself could do with respect to the following matters to the extent permitted by law: The power to: Act on my behalf in negotiating payment terms with my creditors and also the power to submit letters on my behalf to all credit bureaus and receive documents that relate to my credit and credit history; that shall include credit reports, prior dealings with creditors and settlement offerings made by creditor and any other credit related act. The power to file suit and other legal remedies should the need arise in my situation. I understand that I will be notified prior to any such filing.

My attorney-in-fact is empowered to take all further action, including the payment of expenditures and the preparation and execution of all documents, as the attorney-in-fact deems necessary or appropriate in order to fully effectuate these matters.

5. Arbitration of Dispute:

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, consionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Will County, State of Illinois or in the county in which the consumer resides, in accordance with the Laws of the State of Illinois for agreements to be made in and to be performed in Illinois. 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 of arbitration, including attorneys’ fees, equally. If the consumer’s share of the cost is greater than $5,000.00 (Five-thousand dollars), the company will pay the consumers share of costs in excess of that amount. 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.

6. R&R Financial Group Inc. Privacy Policy

R&R Financial Group Inc (hereinafter “Company”) is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what Company does to keep information about you private and secure. This Policy covers only information that you provide to Company or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.

Personal Information We Collect

The personal information we collect about you comes from the following sources:

Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications,

• Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and

• Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.

We reserve the right to, and will, sell or transfer your personal information to third parties for any purpose in our sole discretion. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others

only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider.

By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.

Your Choices/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to Company you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to withdraw your consent when such information is collected. Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address: R&R Financial Group Inc 1500 Ravinia Pl. Orland Park, IL 60462 E-mail: support@rrcredit.com Phone: (708)680-7600

How We Protect Your Information

We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.

This Policy applies to current and former customers. If you have any questions, please contact R&R Financial Group Inc, at 1500 Ravinia Pl. Orland Park, IL 60462.

Policy exceptions

Email ,Fax ,and Cell Phone “I agree, consent and provide permission for R&R Financial Group Inc, and/or any company working in an effort to collect a debt on their behalf to contact me via Email ,Fax ,and Cell Phone, I have provided here in all regards to this matter. I also acknowledge and except the risk of third party disclosure of my personal information and/or default should that be the case. Furthermore I understand the risks involved with using electronic communication and except those risk. SMS/Text Messaging, “I agree, consent and provide permission for R&R Financial Group Inc, and/or any company working in an effort to collect a debt on their behalf to contact me on the cellular number I have provided here and/or any other cellular number I obtain in the future via SMS Text Messaging.” This section shall survive any termination.

7. Service Resolution Procedure

Our goal at R&R Financial Group Inc is to provide exceptional service to our clients. While every effort is taken to ensure we treat our clients in a fair, courteous, and honest manner, we may occasionally make a mistake.

We believe that our clients have the right to complain and the right to have their complaints addressed. We also believe that a successful organization must be willing to evolve in an effort to meet the needs of its clients. Therefore, we have established a complaint process for clients who are unsatisfied with the service or treatment they receive.

In the event you are unsatisfied with our service, please initially direct your comment or complaint with the employee or team responsible. If the individual employee cannot resolve the matter, we will engage the relevant manager or Director to try and resolve matters.

We always attempt to resolve your concerns at the first point of contact. However, if you are not satisfied with the resolution, you may then notify our Compliance Officer in writing at: support@rrcredit.com or R&R Financial Group Inc ATTN: Compliance Officer 1500 Ravinia Pl. Orland Park, IL 60462.Please include the following in your written correspondence:1.A clear description of the complaint and any suggestions you may have that would resolve your grievance.2. Details of any relevant information relating to any contacts you may previously have had with R&R on this subject.3.Whether it is an original complaint, or a follow-up to a reply you were not satisfied with.4.Your complete contact information (including full postal address, telephone number, and email address) and your date of birth (for verification purposes).

What to Expect We strive to resolve all complaints as quickly and efficiently as possible. You can expect to receive a response from us within 10 business days after submitting your complaint. If your case is particularly complex and cannot be resolved within 10 days, we will provide you with an estimated time in which you should expect to receive a response.

8. E-Sign ACT

CLIENT agrees, unless specifically requested otherwise, that by entering into transactions with R&R FINANCIAL, CLIENT affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from R&R FINANCIAL and to also send information in an electronic format unless previously agreed upon in writing with R&R FINANCIAL. CLIENT consents and agrees that R&R FINANCIAL may provide all disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of transactions electronically. All electronic communications will be deemed to be valid and authentic, and CLIENT intends and agrees that those electronic communications will be given the same legal affect as written and signed paper communications. CLIENT has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. CLIENT’s consent may be withdrawn at anytime upon R&R FINANCIAL’s receipt of such withdrawal. Withdrawal of consent will slow the speed at which we can complete certain steps in transactions with you and delivering services to you. To inform us that you either withdraw your consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information you may: send and e-mail to: support@rrcredit.com, call us at (708)6807600 or send a letter to the following address: R&R Financial Group Inc 1500 Ravinia Pl Orland Park,IL 60462. R&R FINANCIAL may charge the CLIENT the following fees associated with the withdrawal of consent or request for paper copies: $1.00 a page. CLIENT acknowledges and agrees that the internet is considered inherently insecure. Therefore, CLIENT agrees that R&R FINANCIAL has no liability to CLIENT whatsoever for any loss, claim, or damages arising or in any way related to R&R FINANCIAL’s responses to any electronic communication, upon which R&R FINANCIAL has in good faith relied. At all times, CLIENT maintains the sole obligation to insure they can receive R&R FINANCIAL’s electronic communications, and access them on a regular and diligent basis. (In order to access, view, and retain electronic communications, CLIENT must have the following: Operating Systems: Windows® 7, Windows® 8, Windows Vista®; or Mac OS® X; Browsers: Final release versions of Internet Explorer® 6.0 or above (Windows only); Mozilla Firefox 20 or above (Windows and Mac); or Safari™ 3.0 or above (Mac only). CLIENT must also have: (i) Sufficient hardware and software capable of accessing rrcredit.com; (ii) Sufficient electronic storage capacity on the computer’s hard drive or other data storage unit; (iii) Adobe(R) Acrobat(R) Reader(R) 4.0 or higher; (iv) An e-mail account with an Internet service provider and e-mail software in order to receive R&R FINANCIAL’s electronic communications; and (v) A personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.)

9. GUARANTEES

Although by law we cannot guarantee an outcome. We promise to work diligently to improve your credit by giving you all the tools, guidance, and resources to help you achieve your goals. If we don’t, we will evaluate your file and either extend free service to you for a limited time or give you a refund of all monies paid except the first work fee and postage & handling, provided that you have at least four inaccurate items on your credit report and that you have not used credit repair in the last twelve months. You are entitled to receive an annual complimentary credit report.

10 FEES

A. I agree to pay R&R Financial Group Inc for the above mentioned services $99.99 (or $169.99 for married couples) a month after thirty (30)days of the initial contract and that this fee is for previous month’s Services , a check , money order or ACH made PAYABLE to R&R Financial Group Inc ,for 12 months. I realize that if the bank retains my payment dishonored, I will be charged a $35 dishonored check charge.

B. The first-work fee of $199.99 (or $399.99 for married couples) a person is usually charged 3-5 days after enrolling in our program. This fee is charged only after all the initial work has been done. Like all fees charged by our firm, this fee is charged only after this work has been completed.

C. I agree to maintain my financial case active on a monthly basis and if I cancel I am required to pay this month’s current fee. Certified letters will be charged at $8 per letter and will be paid by client.

D. This service agreement is a month to month agreement, and the Client may cancel this Agreement at any time without any penalty. It is impossible to predict or guarantee the time or outcome of any specific case and no such prediction or guarantee is being offered. The timeframe of this process can be reduced or extended based, among other things, the promptness of the Client in forwarding necessary information to R&R Financial Group Inc, as well as upon the number and circumstances of the issues being disputed on the Client’s credit report. To cancel this contract, mail or hand deliver a signed and dated copy of your cancellation to R&R Financial Group Inc 1500 Ravinia Pl Orland Park, IL 60462

11 NOTICE OF CANCELLATION

You may cancel this contract within five business days from the date that it is signed by you. If you cancel, R&R Financial Group Inc, will return any payment made by you within ten business days following receipt of your cancellation notice. To cancel this contract, mail or deliver a signed and dated copy of your cancellation notice or any other written notice to R&R Financial Group Inc 1500 Ravinia Pl Orland Park, IL 60462 no later than the midnight of the following date (five days from Today’s-Date).

The undersigned understand and agree to the terms of this contract and all addendums thereto

Social Security

Client Signature

Date of Birth

Agents Signature (MM/DD/YYYY)

Copy Of Separate Notice Of Cancellation Form (Pursuant To Federal And State Statutes)

Notice of Cancellation

You may cancel this contract, without penalty or obligation, within five days after the date the contract is signed.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or other written notice to R&R Financial Group Inc at 1500 Ravinia Pl Orland Park, IL 60462 before five days after of initial contract

I hereby cancel this transaction,

Sign

Print

Date

Fill out only if canceling within 5 days of initial contract

Duplicate Copy Of Separate Notice Of Cancellation Form (Pursuant To Federal And State Statutes)

Notice of Cancellation

You may cancel this contract, without penalty or obligation, within five days after the date the contract is signed.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or other written notice to R&R Financial Group Inc at 1500 Ravinia Pl Orland Park, IL 60462 before five days after of initial contract

I hereby cancel this transaction,

Sign

Print

Date

Fill out only if canceling within 5 days of initial contract

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′

We need the following to help start your credit repair process.

1) Social Security Verification. Include one or more of the following:

Photocopy of your Social Security Card, Temporary Social Security Print out

Photocopy of your pay stub displaying full Social Security number

Photocopy of your W-2 or top page of Federal tax Return

Photocopy of your Health Insurance Card if it contains your full social security number.

2) Current Picture ID. Include one or more of the following. (if providing 2 from this category with current address #3 is not necessary)

Photocopy of your Driver’s License, State Identification Card, and/or Passport

3) Address Verification. (Where the bureaus’ answers are being returned)

Photocopy of a utility bill (phone, electric, cable…), a credit card bill, car insurance bill, bank or credit union statement, pay stub or canceled check.

4) List of all prior address for the past five (5) years (not initially necessary please furnish if asked)

5) Current Credit reports from TransUnion, Experian and Equifax

We highly recommend using www.RRFCR.com because of it being the most current, accurate with all scores, After opening your www.RRFCR.com account, you will need to email us your login, password, and security word so we can monitor and finish sooner.

TransUnion Experian Equifax

PO Box 2000 PO Box 9701 PO Box 740241

Chester, PA 19023 Allen, TX 75013 Atlanta, GA 30374

www.transunion.com www.experian.com www.equifax.com

800-888-4213 800-397-3742 800-685-5000

Best Regards

My Support Team

Phone: (708)680-7600 Fax (708)310-4253

Email Support@rrcredit.com

R&R Financial Group Inc

1500 Ravinia Pl Orland Park, IL 60462

Check Draft Authorization Form

BANK NAME:

BANK ADDRESS: (optional if major bank)

City: _ State: _ Zip: _

BANK PHONE NUMBER: (optional if major bank)

ACCOUNT HOLDER NAME:

HOLDER ACCOUNT NUMBER: _

ROUTING NUMBER (9 DIGITS):

ACCOUNT HOLDER ADDRESS:

City: _ State: _ Zip: __

(Address where monthly statements are received)

ACCOUNT HOLDER PHONE #:

CHECK NUMBER: (Please take note of this check number for your records)

EMAIL: _

Being the account holder or Corporate Officer, by signing below I understand and agree to the terms set forth in this agreement, I agree to pay, and specifically authorize R&R Financial Group to issue a check draft on my bank account above to pay for the service. This section shall survive any termination.

Authorized Signature:

 

 

 

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March 10, 2016 9:12 pm CDTtest1 Uploaded by Robert Monaco - Support@rrcredit.com IP 73.75.20.119