Client Agreement
The W Consulting Firm
7901 4th Street #23665
St. Petersburg, FL 33702
Prepared for:
Client Name
Client Address
Client City, State ZIP
DOB: [Date of Birth]
Date: [Today’s Date]
This agreement outlines the terms between The W Consulting Firm (“Company”) and the Client for credit education and document preparation services.
The following sections are included:
1. CREDIT REPAIR SERVICE AGREEMENT
I, the Client, hereby enter into this agreement with The W Consulting Firm.
The Company agrees to:
Scope of Work Under the Secure The W™ Plan Includes:
For The Secure The W Plan:
$189 First Work Fee, followed by $159/month under the Secure The W™ Plan.
Maximum billed in a 12-month period will not exceed $1,933.
For The Credit Cleanup Plan
$1,524 or $500 if on promo (can be split into two $250 payments). Full payment is required before work begins.
**An additional one time $25 Administrative Fee will be added to the first payment of all plans.
2. AUTHORIZATION FOR CREDIT REPAIR SERVICES
By signing this agreement, the Client authorizes The W Consulting Firm to act on their behalf to repair credit, including preparing and executing communications with TransUnion, Equifax, Experian, and other creditors or data furnishers.
3. PAYMENT AUTHORIZATION
The Client authorizes The W Consulting Firm to charge the following:
For The Secure The W Plan:
Monthly billing covers work performed in the previous 30 days.
No fees are charged in advance of services being performed.
This is a performance-based agreement.
For The Credit Cleanup™ Plan
If you elect to enroll in our Credit Cleanup™ Plan, you authorize The W Consulting Firm to charge the full service fee of $1,524, unless a promotional discount has been applied.
As part of certain limited-time offers, the fee may be discounted to $500. This promotional rate may be paid in two installments of $250, with the first $250 serving as a non-refundable deposit to lock in the discounted rate. This deposit secures your spot and promotional pricing, which is subject to change or end at any time.
Full payment must be received before any work begins.
By selecting this plan, you agree to the total amount disclosed at checkout and authorize The W Consulting Firm to process payment accordingly.
All charges are one-time and non-recurring unless otherwise stated in writing.
4. CLIENT ACKNOWLEDGMENT
The Client understands and agrees that:
Client Responsibilities:
5. ELECTRONIC COMMUNICATION
The Client consents to receiving all contracts, updates, and communication electronically.
6. CLIENT ACKNOWLEDGEMENT OF PRIVACY-BASED DISPUTE PROCESS
I understand and acknowledge the following:
7. CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to dispute inaccurate information with credit bureaus directly.
Credit bureaus must:
8. NOTICE OF RIGHT TO CANCEL
You have the right to cancel this contract without penalty or obligation within five (5) business days of signing.
To cancel, email or mail a written notice to:
The W Consulting Firm
7901 4th Street #23665
St. Petersburg, FL 33702
PH. (407) 710-9939
support@mytwcfcredit.com
If you cancel, any payment made will be returned within 15 business days.
✂️ Cancellation Form
I HEREBY CANCEL THIS TRANSACTION.
Date: ____________
Signature: _________________________
Printed Name: _______________________
9. ACKNOWLEDGMENT OF RECEIPT
By signing electronically, I acknowledge that I have received:
Under the ESIGN Act (2000), this electronic agreement is legally binding and carries the same effect as a physical signature.
For more information, visit https://www.ftc.gov/os/2001/06/esign7.htm
7901 4th Street #23665
St. Petersburg, FL 33702
Prepared for:
Client Name
Client Address
Client City, State ZIP
DOB: [Date of Birth]
Date: [Today’s Date]
This agreement outlines the terms between The W Consulting Firm (“Company”) and the Client for credit education and document preparation services.
The following sections are included:
- Credit Repair Service Agreement
- Authorization for Credit Repair Action
- Payment Authorization
- Client Acknowledgment
- Electronic Communication
- Client Acknowledgment of Privacy-Based Dispute Process
- Consumer Credit File Rights (CROA Disclosure)
- Right of Cancellation Notice
- State-Specific Disclosures (If Any)
1. CREDIT REPAIR SERVICE AGREEMENT
I, the Client, hereby enter into this agreement with The W Consulting Firm.
The Company agrees to:
- Evaluate credit reports and identify inaccurate, outdated, or unverifiable information
- Advise on steps to dispute negative accounts
- Prepare and send all dispute correspondence
- Review responses from TransUnion, Equifax, and Experian
- Provide guidance by email, phone, or secure client portal
- Assist in updating or correcting credit data
- Provide ongoing coaching and credit file reviews
- Deliver continued monitoring, updates, and progress reports
- Build a strategy to support client goals (upon request)
- Answer credit-related questions
Scope of Work Under the Secure The W™ Plan Includes:
- Secure portal setup and onboarding
- Full credit report review from all three bureaus
- Identification of dispute-worthy accounts
- Custom dispute strategy creation
- Monthly dispute submissions and follow-ups
- Real-time status updates
- Monthly coaching and file progress review
For The Secure The W Plan:
$189 First Work Fee, followed by $159/month under the Secure The W™ Plan.
Maximum billed in a 12-month period will not exceed $1,933.
For The Credit Cleanup Plan
$1,524 or $500 if on promo (can be split into two $250 payments). Full payment is required before work begins.
**An additional one time $25 Administrative Fee will be added to the first payment of all plans.
2. AUTHORIZATION FOR CREDIT REPAIR SERVICES
By signing this agreement, the Client authorizes The W Consulting Firm to act on their behalf to repair credit, including preparing and executing communications with TransUnion, Equifax, Experian, and other creditors or data furnishers.
- This authorization may be revoked at any time with written notice
- Authorization expires automatically 12 months from signature date
- No further release or disclosure is permitted by the Company beyond what is stated
- The Company may take any legal action required to perform credit repair work
- The Client releases the Company from liability for good-faith efforts made under this contract
3. PAYMENT AUTHORIZATION
The Client authorizes The W Consulting Firm to charge the following:
For The Secure The W Plan:
- $0 at sign-up
- $189 First Work Fee, only after the following onboarding tasks are completed:
- Identity verification
- Credit report import and review
- Strategy creation
- Portal activation
- $159/month, starting 30 days after the First Work Fee is processed
Monthly billing covers work performed in the previous 30 days.
No fees are charged in advance of services being performed.
This is a performance-based agreement.
For The Credit Cleanup™ Plan
If you elect to enroll in our Credit Cleanup™ Plan, you authorize The W Consulting Firm to charge the full service fee of $1,524, unless a promotional discount has been applied.
As part of certain limited-time offers, the fee may be discounted to $500. This promotional rate may be paid in two installments of $250, with the first $250 serving as a non-refundable deposit to lock in the discounted rate. This deposit secures your spot and promotional pricing, which is subject to change or end at any time.
Full payment must be received before any work begins.
By selecting this plan, you agree to the total amount disclosed at checkout and authorize The W Consulting Firm to process payment accordingly.
All charges are one-time and non-recurring unless otherwise stated in writing.
4. CLIENT ACKNOWLEDGMENT
The Client understands and agrees that:
- The Company does not guarantee credit score increases or approvals
- Credit outcomes vary based on profile, timing, and bureau response
- The Client agrees to avoid new negative accounts or delinquencies
- The Client will consult with the Company before applying for new credit
- Active credit monitoring via IdentityIQ ($1 for 7 days, then $24.99/month)
Client Responsibilities:
- Provide updated reports and letters as requested
- Stay responsive to communications
- Avoid new credit applications during active disputes
- Notify the Company of any new collections, fraud alerts, or changes
5. ELECTRONIC COMMUNICATION
The Client consents to receiving all contracts, updates, and communication electronically.
- Paper copies are available upon request
- Withdrawal of consent must be submitted in writing
- Withdrawal may delay or disrupt the delivery of services
6. CLIENT ACKNOWLEDGEMENT OF PRIVACY-BASED DISPUTE PROCESS
I understand and acknowledge the following:
- I may request assistance from The W Consulting Firm to challenge, correct, or remove unauthorized, inaccurate, or outdated items from my credit reports.
- I am aware that in some cases, The W Consulting Firm may assist with submitting privacy-related notices, including revocation of consent letters, FTC reports, or police reports, when appropriate and consistent with my personal facts.
- I confirm that I will review and approve any materials submitted on my behalf, and that I have provided truthful information to the best of my knowledge.
- I authorize The W Consulting Firm to correspond with credit bureaus, creditors, and other parties related to my credit profile and consumer privacy rights.
- I affirm that any disputes or statements made are based on my personal situation, and I release The W Consulting Firm from liability related to any information I have provided in error or omitted.
7. CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to dispute inaccurate information with credit bureaus directly.
Credit bureaus must:
- Reinvestigate disputed items at no cost
- Remove unverifiable information
- Provide assistance interpreting credit reports
- Honor your right to include a statement of dispute in your file
- You may cancel this agreement within five (5) business days
- No credit repair company can guarantee specific results
- Accurate, current information may not legally be removed unless it becomes unverified
8. NOTICE OF RIGHT TO CANCEL
You have the right to cancel this contract without penalty or obligation within five (5) business days of signing.
To cancel, email or mail a written notice to:
The W Consulting Firm
7901 4th Street #23665
St. Petersburg, FL 33702
PH. (407) 710-9939
support@mytwcfcredit.com
If you cancel, any payment made will be returned within 15 business days.
✂️ Cancellation Form
I HEREBY CANCEL THIS TRANSACTION.
Date: ____________
Signature: _________________________
Printed Name: _______________________
9. ACKNOWLEDGMENT OF RECEIPT
By signing electronically, I acknowledge that I have received:
- The Notice of Right to Cancel
- My Consumer Credit File Rights
- A full copy of this Credit Repair Service Agreement
Under the ESIGN Act (2000), this electronic agreement is legally binding and carries the same effect as a physical signature.
For more information, visit https://www.ftc.gov/os/2001/06/esign7.htm
Ready to Secure the W?
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.