Start Your Credit Review With Confidence.

At First Lane Credit, we believe in clarity before commitment.

Before any services begin, we need your authorization to review your credit and explain how billing works. A full written service agreement, including your federal rights, will be provided before you are charged.

Authorization to Access Credit Information
By signing below, you authorize First Lane Credit to:

• Obtain and review your credit reports from Experian, Equifax, and TransUnion

• Analyze your credit profile to identify inaccurate, unverifiable, or questionable items

• Communicate with credit bureaus and creditors on your behalf regarding disputed information

This authorization is required before any credit repair services can begin.

How Our Service Works

Monthly Service Fee: $99

Your monthly fee is billed only after services for that 30-day cycle have been completed.

Each service cycle may include:

• Credit report review and analysis

• Preparation and submission of dispute correspondence

• Creditor communication assistance

• Ongoing credit profile recommendations

No payment is collected before services are performed.

You may cancel services at any time.

Credit Monitoring

To efficiently track updates and changes to your credit file, we recommend credit monitoring through Credit Hero Score.

• $1 trial for 7 days

• $19.95/month thereafter

• Cancel anytime directly with the provider

Credit monitoring is provided by a third-party company and is not required to enroll in First Lane Credit services. However, access to updated credit reports is necessary for ongoing service. If monitoring is cancelled, you agree to provide updated reports as needed.

Important Notice - No Guarantee of Specific Results
First Lane Credit does not guarantee specific credit score increases or the removal of any particular item. Results vary depending on the accuracy of information and responses from credit bureaus and creditors.

Federal Consumer Credit File Rights Notice (CROA Disclosure Summary)

You have the right to:

• Receive a written contract before services begin

• Cancel services without penalty within three (3) business days after signing a service agreement

• Be charged only after services are fully performed

• Dispute inaccurate information yourself at no cost

A complete written service agreement and federal disclosure form will be provided prior to the start of services.

Consent to Obtain and Dispute Credit Report Information
By signing, you authorize First Lane Credit to:

• Obtain and review your credit reports from Experian, Equifax, and TransUnion.

• Dispute any inaccurate or unverifiable information on your credit report with credit bureaus or creditors.

Acknowledgment & Authorization
By signing below, you acknowledge that:

• You understand this is an authorization form, not the full service contract

• You authorize First Lane Credit to access and review your credit reports

• You understand the monthly billing structure

• You understand that no payment will be collected before services are performed

• You will receive a separate written agreement before services officially begin