Credit Restoration

1. KBG Tax Service provides financial education services and products. KBG TAX SERVICE IS EXEMPT UNDER THE CREDIT REPAIR ORGANIZATION ACT (15 U.S.C. ''1679, et seq.) AS A 501(c)(3) CHARITABLE NONPROFIT ORGANIZATION AND IS NOT A CREDIT REPAIR ORGANIZATION. ALL SERVICES AND PRODUCTS PURCHASED BY A CONSUMER ARE PERFORMED BY EMPLOYEES OF KBG TAX SERVICE.
KBG Tax Service promotes the financial wellbeing of individuals through each persons' faith in himself or herself to overcome financial adversity, to believe in the empowerment of the individual through faith, and to have the belief that things can and will get better.

2. Applicant agrees to promptly provide KBG Tax Service with copies of any and all correspondence received from the credit reporting agencies and creditors supplying information to those agencies, which relates to inaccurate credit report entries that are subject to challenge and verification pursuant to this Agreement within fourteen (14) days of receipt thereof. Applicant understands that credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. Applicant understands KBG Tax Service cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of KBG Tax Service, including Applicant's ability to repay creditors, the cooperation of Applicant's creditors, and the credit reporting agencies' ability to verify information provided to them by Applicant.

3. By activating your account, you authorize KBG Tax Service to obtain your credit reports for the purpose of preparing credit analyzer reports. If you choose to dispute items on your credit report, the credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. KBG Tax Service cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of KBG Tax Service, including your ability to repay creditors, the cooperation of your creditors, and the credit reporting agencies' ability to verify information provided to them.

4. To cancel this enrollment, please call the KBG Tax Service at 954 228-7260 within 3 days of enrollment.

5. A $10 fee may be applied to replacement copies of dispute letters.

6. If a dispute arises out of this contract, and if it cannot be settled by the parties, the parties agree first to try to settle the dispute by mediation administered by any mutually agreed upon mediator pursuant to the Commercial Mediation Procedures of the American Arbitration Association ("AAA"). If they do not resolve the dispute within 60 days, then, upon notice by either party to the other, all disputes, claims, questions or differences shall be finally settled by binding unappeasable arbitration administered by any mutually agreed upon arbitrator (or if none can be agreed upon, then by the AAA) pursuant to the Commercial Arbitration Rules of the AAA. In any such proceeding, which must take place in Oakland County, the State of Michigan, each party shall bear their own attorney fees and costs, however, the fees and costs of any neutral mediator or neutral arbitrator shall be paid by KBG Tax Service. Additionally, Applicant agrees not to initiate or participate in any class action proceeding against KBG Tax Service, whether in a judicial or mediation or arbitration proceeding, and Applicant waives all rights to become a member of any certified class in any lawsuit or proceeding.

7. For LA Residents ONLY:
DISCLOSURE STATEMENT: Pursuant to section 3573.6 of the Credit Repair Services Organization Act (Act), a buyer entitled to damages from a credit repair organization has the right to proceed against the surety bond obtained by the credit repair services organization under section 3573.4 of the Act. This Disclosure Statement must be provided to the buyer of credit repair services before execution of any contract or agreement or payment of any money or other valuable consideration. Buyer acknowledges receipt of this Disclosure Statement before execution of any contract or agreement or the payment of any money or other valuable other consideration.