This membership agreement is between National Credit Federation (hereinafter referred to as NCF), whose principal business address is 5364 Ehrlich Rd #399, Tampa, FL 33624 and the undersigned, (hereinafter referred to as MEMBER) is for the expressed purpose of enrolling MEMBER into NCF.
Right to Cancellation: MEMBER may cancel this membership agreement without penalty or further obligation at any time before midnight of the fifth (5th) business day after the date on which you signed the membership agreement. See the NOTICE OF CANCELLATION form.
Liability: With regard to SERVICES by NCF or its affiliates, NCF shall not be liable to member for any acts or omissions in the performance of SERVICES except when the acts or omission are due to willful misconduct or gross negligence. MEMBER shall hold NCF and its affiliates harmless from any obligations, costs, claims, judgments, attorneys’ fees and attachments arising from or growing out of SERVICES rendered, except if NCF is adjudged to be guilty of willful misconduct or gross negligence by a court of competent jurisdiction.
Member Investment Warranty: As long as you have complied with the terms of your membership agreement we believe you should not have to pay for ineffective service: If there are no derogatory items removed from your report in the first 3 months of membership, at your request we will terminate your membership and refund you all membership fees paid. At the conclusion of your 12 month membership, if there has not been an increase in your credit score we will refund 100% of your membership fee.
Term: The term of the membership shall be for ONE year.
Purpose: The MEMBER desires to become enrolled into the NCF program. NCF agrees to extend to MEMBER all of the benefits as printed in the NCF Member Benefit Guide (hereinafter referred to as SERVICES).
Responsibilities of Member: Member agrees to send the following items to NCF immediately upon joining NCF: Signed membership agreement, attorney-client agreement, copies of required identification (see Required Identification page for details), copies of most recent credit reports, and membership payment authorization. If member pays by installment, member agrees to pay according to the payment schedule. Once the dispute process begins, Member agrees to send in copies of all responses from credit bureaus. Member also agrees to respond to all informational requests from NCF case managers. Members must keep name and address information current. If Member’s address changes, Member must notify NCF as soon as possible and provide a copy of two bills or statements indicating Member’s new address. Members may be required to complete additional NCF forms during the dispute process. Upon receipt of notice of deletion or correction of adverse items on the Member’s credit report, Member agrees to pay $5.00 for each such deletion or correction (refer to attorney-client agreement for more detail). Member agrees not to sustain any new credit challenges during the term of the membership, including, but not limited to newly delinquent accounts, or newly opened accounts, or new account applications. Our experienced NCF case managers may provide advice on any actions Member should take or refrain from taking to help improve credit scores during the dispute process. This helps avoid any counterproductive activity during which time NCF is working to improve the Member’s scores. Member agrees to abide by the terms of this agreement and the attorney-client agreement.
SERVICES: MEMBER acknowledges that a third party frequently facilitates SERVICES. That being the case, it may become necessary for the service offering to change from time to time as NCF continually strives to seek out the SERVICES that best meet the MEMBERS’ needs in accordance with the mission of NCF. Many of the NCF Member Services are provided at no additional charge. A few have modest fees to help cover costs (or) to comply with State and Federal Law.
Credit Audit Verification and Restoration (ERASE BAD CREDIT) Included in your membership is representation by a NCF affiliated attorney to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report. As a special member benefit only extended to NCF Members in good standing, our affiliated attorneys will aggressively represent you with NO upfront fees, NO ongoing monthly fees, in fact your total legal fees are only $5 per deleted or corrected item per credit report payable, ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS billed as a “correction fee”.
Free Legal Advice: Membership includes a membership into our National Law Club, a national network of over 25,000 attorneys in all 50 states. Services included at NO CHARGE are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs; plus discounted fee schedule, contingency fees, and hourly rates for more complex issues.
Free Bankruptcy Advice: Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters, such as filing for bankruptcy. Members receive a one hour free phone consultation and review of any legal documents.
Obtain a Secured Credit Card: As a member you are automatically approved for a secured credit card to purchase computers and consumer electronics. Of course your positive payment history will be reported monthly to the national credit bureaus further helping you re-establish your credit.
Free Credit Card Search Service: Conduct an online data base search of all the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of two (2) new credit lines.
IRS Defense: One of our highly experienced tax law attorneys that have represented numerous consumers against the IRS will provide advice. Members receive one (1) free hour of telephone consultation. Members receive discounts if additional assistance is needed.
Credit Reference Service: NCF will provide a written credit reference at anytime for current valid members.
NCF has negotiated an exceptional program on behalf of its members. Token fees may apply to cover costs (or) comply with State and Federal laws.
Consumer Credit File Rights Under State and Federal Law
The Federal Trade Commission regulates credit bureau and credit repair organizations.
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 report. The credit bureau must remove accurate, negative, information from your credit 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 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 sign 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 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 about disputed information with any report it issues about you.
For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580