1. Customer agrees:

To provide BAY AREA CREDIT, with a copy of all correspondences received from credit reporting agencies or creditors relating to credit report entries which are the subject to matter of this subscription by virtue of the credit report entries challenged by BAY AREA CREDIT, for verification of accuracy. If you do not receive any correspondence within 60days, please notify us immediately.

Not to contact credit reporting agencies (Experian, Equifax, and TransUnion) for any reason. Not to apply for any type of credit, i.e., credit card car loans, or secured financing, during the period of this agreement without7 days prior written notification to Bay Area Credit, LLC, 2959 S Winchester Blvd. Suite 201 Campbell,CA 95008 and an opportunity on the part of BAY AREA CREDIT, to consult with Customer with regard thereto.

To provide to BAY AREA CREDIT, within 14-days of receipt thereof, all correspondence received from credit reporting agencies by Customer.

Customer understands that the results obtained by BAY AREA CREDIT, on behalf of Customer are dependent on numerous factors, including but not limited to Customer’s ability to repay debts and loans, cooperation of Customer’s creditors, and credit reporting agencies ability to verify information provided to them by BAY AREA CREDIT, LLC on behalf of Customer.

Customers understand that accurate information may not be removed unless it is listed beyond a lawful time period.

2. BAY AREA CREDIT, agrees:

To evaluate Customer’s current credit report as listed with applicable credit reporting agencies and to identify inaccurate, erroneous or obsolete information. To advise Customer as to the necessary steps to be taken on the part of Customer in conjunction with BAY AREA CREDIT, to dispute any inaccurate, erroneous, or obsolete information contained in the customer’s credit reports.

To prepare all necessary correspondence in dispute of inaccurate, erroneous, or obsolete information in customer’s credit reports.

Credit profile status, consulting, coaching and monitoring services are primarily conducted by phone during normal business hours (10:00 AM – 6:00 PM PST)


Be it known that I, the undersigned, am the individual listed below and as such do hereby grant a Limited Power of Attorney to BAY AREA CREDIT, and any and all persons in their employment, shall have the necessary power and authority to undertake and perform the following on my behalf. I hereby give permission to BAY AREA CREDIT, to sign my name on all letters written on my behalf and or as agent for the only purpose of communicating with credit reporting agencies or creditors and to challenge and verify account information held by consumer credit reporting agencies or creditors.


You may cancel this transaction, without any penalty or obligation; within five business days from the date this contract is received by BAY AREA CREDIT, home office. To cancel this transaction, mail, or deliver a signed letter stating to cancel any further actions on your account to: BAY AREA CREDIT, 2959 S Winchester Blvd. Suite 201 Campbell,CA 95008.

If you cancel during the allotted time frame, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within 21 business days following receipt of your cancellation notice. Any security interest arising out of the transaction will be canceled.


We are confident that you will be pleased with our services, our warranty clearly states that if your credit report has not improved within 120 days from the time we receive your credit report, you are entitled to a 100% Money Back Warranty. No Questions Asked.