Credit Services Agreement

Section 01

Parties and prerequisite

This Credit Services Agreement ("Agreement") is entered into between the client identified at signature ("Client," "you") and First Lane Financial LLC, DBA First Lane Credit ("First Lane Credit," "we," "us"), a credit repair organization as defined under 15 U.S.C. § 1679a and a credit services organization under Texas law.

Section 02

Services First Lane Credit will perform

In exchange for the fees below, First Lane Credit will:

• Review your credit reports from Equifax, Experian, and TransUnion and identify information that appears inaccurate, incomplete, unverifiable, or obsolete, delivered to you in writing as your Blueprint.
• Advise you on which identified items are, in our judgment, worth disputing, and which are not, and why.
• Prepare and send dispute correspondence for the items you select and authorize, one round at a time.
• Handle responses from credit reporting agencies and furnishers on items we filed, including requests for method of verification where appropriate.
• Report back to you in writing after each completed round: what changed, what each agency said, and what we recommend next.

Consulting and coaching under this Agreement are conducted by phone, email, video conference, secure client portal, or another method we agree on, during normal business hours.

Section 03

Estimated time to perform

CROA requires a written estimate of the time necessary to perform the services. Each billed month corresponds to one round of dispute correspondence and the response to the round before it, driven by the credit reporting agencies' statutory response windows, not by us. Most client files require four to six billed months. Your actual timeline depends on what your reports contain and how each agency and furnisher responds, and is not guaranteed.

There is no minimum number of months you must authorize. You may stop after any billed month for any reason, and you are never charged for a month with no round sent.

Section 04

Fees, billing, and total payment

• What triggers a charge. Your monthly fee is charged only after that month's round of dispute correspondence has been prepared and sent out on your behalf — after the work is done, never before.
• What's included in that fee. Response handling, method-of-verification requests where appropriate, and your written progress report for that round are included. You are never billed twice for one month.
• A month with no round sent is never billed. If you cancel or we stop work before that month's correspondence has been sent, you owe nothing for that month.
• Estimated total. Based on the typical four to six months in Section 03, a realistic total is $396–$594 for an individual plan, $636–$954 for a couple's plan. This is an estimate, not a fixed price — your actual total equals your monthly fee multiplied by the months actually billed, and nothing more.
• No other fees. No setup fee, no cancellation fee, no charge for postage, portal access, or progress reports.
• Third-party costs are not our fees. Performing the services requires a credit monitoring subscription so that all three reports can be reviewed and changes verified each month. If you do not have one, we will recommend Credit Hero Score, currently $1 for the first 7 days and $19.95 per month thereafter. Any such subscription is billed by and paid to that company directly, is not a First Lane Credit fee, and is not marked up by us. We may receive a referral fee if you subscribe through our link. You may use any monitoring service you prefer and may cancel it at any time.

Section 05

Your right to cancel — conspicuous notice

You may cancel this contract, without any penalty or obligation, at any time before midnight of the third business day after the date you sign it.

Two copies of the Notice of Cancellation below are provided to you as a document independent of this Agreement, for you to keep and use if you choose to cancel. You may also stop service at any time after the three-day period, at no cost, subject only to Section 04's terms on months already billed.

A second, identical copy is provided alongside this one. Your state may give you additional or longer cancellation rights; nothing here limits any right you have under state law, and any purported waiver of a CROA right is void.

Section 06

Authorization to act on your behalf

This authorization is intentionally narrow. You are not granting First Lane Credit a general power of attorney over your finances or identity — only the specific permission below, for the specific purpose of disputing the items you select.

• Scope. You authorize First Lane Credit to prepare, sign, send, and receive correspondence with Equifax, Experian, TransUnion, and the specific furnishers or creditors tied to the items you have selected for dispute — for that purpose only.
• Duration and revocation. This authorization lasts 12 months from your signature date unless you revoke it earlier in writing. Revocation does not undo action already taken in good-faith reliance on it before we receive your notice.
• No further disclosure. Information we receive under this authorization will not be further disclosed or released except as needed to perform the services in Section 02, or as required by law.
• What this does not authorize. This authorization does not permit us to open, close, or modify any account, to incur debt in your name, to access funds, or to act on any matter outside credit report disputes without your separate written consent.

Section 07

Limitation of liability — narrow, and not a waiver of your rights

To the extent permitted by law, First Lane Credit is not liable for actions taken in good-faith reliance on information, documents, or instructions you provide, or for the response of any credit reporting agency, furnisher, or creditor to correspondence sent under Section 06's authorization.

Section 08

General terms

• Your responsibilities. You confirm the information you give us is true and yours, that you are not asking us to dispute information you know to be accurate, and that you will provide requested documents and respond to us in a timely way.
• Couple's plans. Each person signs a separate agreement, receives their own credit file rights disclosure, and holds an independent three-day cancellation right. Either may cancel without affecting the other.
• Governing law. This Agreement is governed by the laws of the State of Texas and applicable federal law, without limiting the consumer-protection law of your state of residence.
• Full terms. This Agreement incorporates our published Terms and Conditions by reference; where the two conflict, this signed Agreement controls for your specific engagement.
• Severability. If any provision is found unenforceable, the rest remains in effect.

Section 09

Signatures and acknowledgment

Electronic signatures on this Agreement are legally binding under the federal ESIGN Act, 15 U.S.C. § 7001, with the same effect as a handwritten signature.