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Universal Business Unlimited, Inc.

CUSTOMER AGREEMENT

Please make payable to: Universal Business Unlimited, Inc.

APPLICANTS PERSONAL INFORMATION
Name (Last, First, Middle Initial)

Mailing Address (include Apt. Number)

City, State, Zip

Email Address

Social Security Number

Date of Birth

Home Phone

Cell Phone Number

This agreement or contract is not binding and enforceable until received received and accepted by TRW Credit Group at its home office in Pottsboro, TX. This writing is the full and complete agreement between TRW and the customer and shall not be orally amended. Processing will be handled by Universal Business Unlimited, Inc. (“UBU”).

CUSTOMER AGREES TO:

  1. Provide UBU with personal credit information, credit bureau reports, and/or authorizes UBU or its designee to obtain credit reports on customers behalf.

  2. Immediately notify UBU of any changes of address.

  3. Identify in writing any accurate negative information which you believe to be true, so that we can be sure not to dispute such item/items as per the Fair Credit Reporting Act.

  1. Immediately forward all correspondence received from the credit reporting agencies to UBU or its designated agent, and to notify UBU if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence.

CUSTOMER COST AND PAYMENT:

The customer shall pay $650.00 for consultation and ordering of all Bureaus plus a $49.00 processing fee equaling $695.95. All Credit Repair will then be done free of Charge.

SERVICES TO BE PERFORMED BY UBU:

During the evaluation and initial challenge process, UBU will review all credit information provided by the customer, prepare letters challenging items appearing on the customer’s credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverifiable as per the Fair Credit Reporting Act. UBU will submit transmittals of challenge letters within 3 to 7 business days, but not exceed 10 business days of receipt of credit information from customer, after which, these evaluation/initial challenge services shall have been fully performed. UBU will follow-up and review all correspondence received by the customer from the credit reporting agencies, in preparation of follow-up challenges as per the Fair Credit Reporting Act and transmittal of the same. UBU agrees only to challenge items under the Fair Credit Reporting Act. UBU makes no guarantee concerning improvement of the customer’s credit history or FICO score, as both are dependent upon many factors beyond our control. However, UBU will get results for you if you follow our instructions explicitly. Any questions concerning your personal credit profile may be answered by contacting UBU at (770) 681-0944. This contract is valid for ONE (1) YEAR from date of signed contract. I understand and agree to the above stated terms of service and payment.

LIMITED POWER OF ATTORNEY

I do hereby grant a limited power of attorney to Universal Business Unlimited, Inc. and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax (CSC Credit Services), Experian and Transunion.

Client's Name/Digital Signature

Date

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UNIVERSAL BUSINESS UNLIMITED PRIVACY POLICY
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UBU is required by law to inform our clients of our policies regarding privacy of customer information. Therefore, we are providing you with a copy of this policy.

NON-PUBLIC PERSONAL INFORMATION
UBU collects private, personal information about you that is provided by you or obtained by us on your behalf with information you provide to us.

DISCLOSURE OF CLIENT INFORMATION
We do not and will not disclose our client’s private (non-public) personal information obtained in our process to any third party, except as required by law. No third party will obtain information about you from UBU without your written consent.

CONFIDENTIALITY & SECURITY OF CLIENT INFORMATION
UBU retains records relating to professional services that we provide so that we are able to assist you in your needs. To safeguard your personal information we maintain physical, electronic and procedural methods that comply with our professional standards. If you have any questions, please contact us at (770) 681-0944 because your privacy and our professional ethics are most important to us.

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CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
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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 7 years old. Bankruptcy information can be reported for 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 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 or 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.

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 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 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 to you.

Client's Digital Signature

UBU Representative

CUSTOMER ACCEPTANCE & ACKNOWLEDGEMENT OF CREDIT RESTORATION SERVICES
For quality and legal purposes it is necessary for Universal Business Unlimited, Inc. to have each client initial beside each of the below listed items to confirm that they received all of the following information. It is very important that our clients receive, read and understand all information provided to them by UBU and its representatives.

Customer Agreement

Consumer Credit File Rights Under State and Federal Law
Limited Power of Attorney

Privacy Disclosure Notice

Payment Source

I fully understand my responsibility in this program and acknowledge that all my questions have been answered.

Client's Digital Signature

UBU Representative

We Will Order All 3 Credit Bureaus:

Experian

(CSC Credit Services) Equifax

Transunion

In order to do this we MUST have a copy of:

Your Drivers License
Your Social Security Card
2 ITEMS from the list below dated within the last 2 months with your NAME and CURRENT ADDRESS
*bank statement, cancelled check, Drivers License, water, gas, electric, cable,
telephone (no cell) bill, stamped PO Box receipt
Copy of voided check (if applicable)

These items must be given to your salesperson, mailed, faxed, or emailed ASAP to:

Universal Business Unlimited, Inc.
P.O. Box 1343
Jonesboro, GA, 30237
Phone: (770) 681-0944 - Fax: (770) 473-9895
Email: info@universalbizunlimited.com

Until received, the process cannot move forward.

You should receive all 3 bureau reports in no more than 15 days. IF YOU DON’T, you must call the office immediately at (770) 681-0944. After receiving your reports, we will dispute all items immediately. All results will be mailed directly to you from the Credit Bureaus in approximately 36 to 45 days. If you do not receive them, you must call the office at (770) 681-0944. When you do receive the results, please forward them to this office. If everything isn’t removed, we will continue to dispute any remaining adverse items. (THIS IS AN ONGOING PROCESS). Any final remaining items may require a settlement. If you need a settlement of a debt, UBU will obtain your lowest possible settlement and will charge 15% of the dollar amount saved from the original debt.

If you do not forward the credit reports from the credit bureaus or contact us, we will take for granted everything was removed and you were happy with the results.


You should receive NEW BUREAUS approximately every 36 to 45 days. Mark this on your calendar.


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PAYMENT SOURCE
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You may pay your obligation in one full payment (which is preferred) or you may pay your obligation in 2 payments. You may pay cash, check, money order, cashier's check, bank wire, or deposit. You may mail your payments to UBU at the address below:

UNIVERSAL BUSINESS UNLIMITED, INC.
P.O. Box 1343
Jonesboro, GA 30237
Fax (770) 473-9895
Email: info@universalbizunlimited.com

I agree to pay my obligation to UBU by:

Cash
Check
Money order
Cashier's check
Bank wire
Direct deposit to UBU bank account.

If you choose to deposit payment(s), or wire funds, you may do so by depositing funds in to the following account:

SunTrust Bank
Universal Business Unlimited, Inc.
Account No. 1000074268524.

If you choose this method of payment, please place your name on any deposit slip for proper credit to be assured.

If you choose to wire funds, please include an additional $15.00 for the incoming wire transfer cost.

Signature

Date

I authorize Universal Business Unlimited Inc. to print a check on my bank account for the selected service in the amount shown. I understand that the check will show on my monthly statement as any other check. I also authorize UBU to draft my account for a return check charge of $36.00 in the event any of my checks are returned.

SIGNATURE:

DATE (S)

BY PHONE:

MOTHER'S MAIDEN NAME:





Universal Business Unlimited
is the premier, leading and cutting edge one-stop business center nationwide.

Our goal is to offer quality service to executives, corporations, consumers,
and specialty services to professional athletes and celebrities.

Our focus is on helping our clients obtain the best possible outcome for a competitive, but reasonable fee.
     
Testimonials
 





I knew one of the principals of UBU. I had used credit repair companies in the past, and my credit never got any better, but in fact, got worse. I had collections, charqe-offs, my student loans were in default, and everything that could be wrong with my credit. UBU set up a plan and got me out of default, and in only a very short time, my credit score improved dramatically. Through UBU's Homebuyer Consultation Program, I was able to obtain, move into and purchase my dream home in record time. UBU representatives were courteous and professional, and very effective in restoring my credit. My credit score is excellent and is currently on an upward trend. Thank you, UBU!

- Leonie D.
Acworth, GA

 

I came to UBU through a referral from another UBU successful client. My husband and I wanted a home desperately, but my credit was terrible, and so was his. UBU's representative was patient and believed that they could help us. After only a few short months, my husband's score was on the rise and we were on our way to homeownership. During the process, we had a lot of hurdles, but UBU never gave up on us. Once my husband's score was ready, UBU found us a mortgage with an excellent interest rate, even when my husband's score decreased suddenly, during the loan process through no fault of our own or UBU's. UBU was very professional, and got us through, in spite of the odds. We are now living in our dream home! We just closed on a 6BR 3B estate home, and UBU made it all possible. If you think it can't be done, UBU can and will do it for you. They have made believers out of us. UBU, you are the best!

- Albert and Wanda O.
Griffin, GA

I came to UBU through a referral from a friend. When I started, my credit was terrible, bankruptcies, charge-offs and a lot of bad debt. UBU worked with me and was able to clear up the credit. During the process I was served with a judgment, and I brought that to UBU as well. It was cleared in a week! UBU's representatives were very patient and understanding of my situation and I will definitely recommend UBU to anyone who needs their credit restored because I am proof that it works. My score is right under 700 and is steadily rising. I have now regained control of my life, and I can use my credit whenever I choose at any time. Thank you UBU!

- Denitria F.
Atlanta, GA