Secure
Verification
You Deserve

1. Service Fee and Payment Terms

The Services Provider performs time-based consulting and administrative work related to credit improvement and customer-rights enforcement. Fees vary according to the complexity of the client's credit profile.

Payments may be on the same day of enrollment or under a structured plan. Each payment represents the value of time, professional expertise, document preparation, dispute processing, and follow up. Once services are initiated, fees are non-refundable except as required by law. All charges are made for work already performed or initiated in accordance with CROA §1679b(b) and Texas Finance Code §393.

Declined or reverse transactions will incur actual processor costs plus a $15 administrative fee, and the client remains responsible for any balance.

2. Scope of Services

Alden Dwell LLC agrees to perform the following:

• Evaluate the Client's credit reports from Experian, Equifax, TransUnion, and other agencies.
• Identify inaccurate, obsolete, unverifiable, or false information.
• Prepare and submit all necessary correspondence to dispute such information under Texas Finance Code Ch. 393 and FCRA §611.
• File and manage complaints, if needed, with the CFPB, BBB, or Texas Attorney General.
• Advise the Client on lawful actions to improve credit.
• Communicate progress through phone, email, or virtual meetings.

The Client grants Alden Dwell LLC full authorization to create and manage any necessary accounts, including CFPB, BBB, FTC or credit-bureau portals, to submit, track, and resolve disputes.

3. Definition of Credit Repair

"Credit repair" means identifying and disputing negative, inaccurate, or unverifiable information to clean the Client's credit report. This process does not include debt elimination, consolidation, or forgiveness. The purpose is to ensure accuracy, not to erase legitimate debt.

4. Term of Agreement

This Agreement shall commence on — and remain in effect for three (3) to six (6) months, or until all contracted services are completed, whichever comes first. It may be extended in writing if additional work is required.

5. Client Responsibilities

The Client, Client, agrees to:

• Maintain an active credit-monitoring account with IdentityIQ.
• Provide complete and updated documentation and promptly forward all credit-bureau letters.
• Avoid new credit applications or additional derogatory accounts during the service period.
• Avoid submitting independent disputes to prevent duplication.
• Understand that outcomes vary and that no specific score increase or number of deletions is guaranteed.
• Acknowledge that deleted items may reappear if re-verified by furnishers.

6. Limitations and Disclaimers

Alden Dwell LLC makes no guarantees regarding the removal of specific items or any minimum score improvement. Results depend on each Client's circumstances and credit-bureau responses. Alden Dwell LLC is not a law firm and does not provide legal advice, debt negotiation, or credit counseling. Credit improvement requires Client participation. Alden Dwell LLC is not responsible for acts or omissions of credit bureaus, creditors, or third-party furnishers.

7. Indemnification

The Client shall indemnify and hold harmless Alden Dwell LLC from any losses, damages, or fees (including processor or collection costs) arising from chargebacks, payment disputes, false or omitted information, or unauthorized use of materials prepared by Alden Dwell LLC.

8. Limitation of Liability

Alden Dwell LLC's total liability for any claim shall not exceed the total amount paid by the Client under this Agreement. In no event shall Alden Dwell LLC be liable for indirect, incidental, consequential, or punitive damages.

9. Confidentiality and Data Security

All Client information shall remain confidential and used solely for performing services under this Agreement. Alden Dwell LLC uses reasonable physical, electronic, and administrative safeguards consistent with Texas Business & Commerce Code §521.

10. E-Sign and Communication Consent

The Client consents to electronic signatures and to receive communications via email, SMS, or portal. Under the U.S. E-SIGN Act (2000), electronic signatures are legally binding and have the same validity as handwritten ones. Standard carrier rates may apply.

11. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of Texas and applicable federal statutes including CROA, FCRA, and FDCPA. Any dispute shall be resolved through binding arbitration in Harris County, Texas, under AAA Consumer Rules. Each party may pursue an individual claim in small-claims court. Class or collective actions are waived. The Client may opt out of arbitration within 30 days after signing by written notice.

12. Authorization for Credit Repair Action

I, Client, hereby authorize Alden Dwell LLC, 17350 Texas 249 Access Road, Houston, Texas, 77064, to act on my behalf in matters related to credit improvement, including but not limited to:

1. Preparing, signing, and submitting correspondence to Experian, Equifax, TransUnion, and creditors.
2. Filing disputes or complaints with the CFPB, BBB, FTC or Texas Attorney General.
3. Creating and managing accounts to submit and track disputes.
4. Taking all actions necessary to perform these services in good faith.

This authorization may be revoked in writing at any time and automatically expires after six (6) months.

13. Termination for Fraud, Misrepresentation, or Chargeback

This Agreement automatically terminates if the Client:

• Initiates a chargeback or refund claim for services rendered,
• Provides false, incomplete, or misleading information, or
• Uses unauthorized materials or interferes with the process.

All payments made will be retained by Alden Dwell LLC as compensation for time, administrative work, and damages. No refund will be issued, and Alden Dwell LLC will have no further obligation to continue service. This clause survives termination and is enforceable in arbitration or small-claims court in Harris County, Texas.

14. Consumer Credit File Rights Under Federal and State Law

You have the right to dispute inaccurate information on your credit report by contacting the credit bureaus directly. Neither you nor any credit-repair organization may remove accurate, current, and verifiable information. Credit bureaus must remove negative information that is more than seven years old or bankruptcies older than ten years. You have the right to obtain a copy of your credit report. It may be free if you were denied credit, employment, insurance, or housing within 60 days, if you are unemployed and seeking work, receiving public assistance, or believe you are a victim of fraud. You may sue a credit-repair organization that violates the Credit Repair Organizations Act. You may cancel this contract within three (3) business days of signing without penalty. The Federal Trade Commission regulates credit bureaus and credit-repair organizations. Contact: Federal Trade Commission, Public Reference Branch, Washington, DC 20580.

Alden Dwell LLC, 17350 Texas 249 Access Road, Houston, Texas, 77064

To cancel, state: "I hereby cancel this transaction." — — — Client

15. Notice of Right to Cancel

You may cancel this contract without penalty or obligation at any time before midnight of the third (3rd) business day after the date you sign it. To cancel, text (832) 800-9008 and send a signed notice stating:

"I hereby cancel this transaction."

Date: __________    Client Name: __________

Acknowledgment of Receipt

I, Client, by signing electronically, acknowledge receipt of this Agreement, the CROA Disclosure, and the Notice of Right to Cancel. The Client confirms understanding of all terms and signs voluntarily.