Phoenix Company is a Texas Based, Bonded and State Registered credit repair organization turning your unqualified buyers into qualified borrowers. We help you close more loans. All Programs only $99. Give us a call for more information or direct your buyers to www.PHXFast.com to enroll on line. Here is copy of our enrollment packet for your review. Enjoy.
PO Box 568 Denton, Texas 76202
Phone: 214-227-9644 Fax: 512-366-9789
Welcome to Phoenix Company
$99 Credit Repair Program
1)Sign the services agreement page.
2)Fill out the enclosed personal information form.
3)Fill out the Payment Authorization Form.
4)Send Copy Driver License and Social Security card.
(Enlarge cards 150% for easy legibility)
5)Send copy of a utility bill showing your current address.
6)Recent Copies of Credit Reports
Fax (512-366-9789), Email, or mail (PO Box 568, Denton, TX 76202) to us the forms and we will have you on the road as fast as possible.
After one week: Send ALL correspondence you receive to Phoenix Company immediately by fax or email.
After 30-45 days: You will receive 3-5 new credit reports in your mail box. Send ALL correspondence you receive to Phoenix Company immediately by fax or email.
After 45-60 days: You can proceed with your financing objective.
• Do make your current bill payments on time
• Do not generate new inquiries by shopping for credit financing
Services. I understand that Phoenix Company is a dually authorized business in the State of Texas, and is fully bonded through the Great American Insurance Company located at 2424 W Missouri Ave, Phoenix Arizona, 85015. I understand this service communicates with all three credit bureaus Experian, Equifax and Trans-Union, to cause any negative credit information reported by said credit reporting agency which does not conform to requirements prescribed by law to be upgraded to a positive rating or deleted, as set forth in public law 91-508 (FAIR CREDIT REPORTING ACT).
Guarantee. I understand that Phoenix Company guarantees to continue to present my case through written correspondence until said information is upgraded to a positive rating or deleted - with service in no wise to exceed 60 days.
Power of Substitution. I have this day made, constituted and appointed, and by these present do make, constitute and appoint Phoenix Company a dually organized business in the State of Texas, or their representative(s), true and lawful Representative(s) for me, and in my name, place and stead, to act on my behalf with any necessary credit reporting agency (ies) and/or creditor(s), hereby giving and granting said representative(s) full power and authority to do and perform any and all acts whatsoever requisite and necessary to be done in and about the premises, as fully and to all intents and purposes as I might or could do if personally present, with full power of substitution and revocation, hereby ratifying and confirming all that said Representative(s) or his/their substitute shall lawfully do in the premises thereof.
Time Frames. I understand Phoenix Company is not responsible for, and does not control the duration of time that a credit reporting agency or creditor may take to respond. I understand that this may take several weeks, but in no wise will Phoenix Company continue service beyond 60 days.
Client Actions and Responsibilities. I understand that I am responsible for obtaining and providing the consumer copy of my/our credit reports to Phoenix Company as needed. I further understand it is my/our responsibility to notify Phoenix Company if a response is not received from a credit reporting agency and/or creditor within a reasonable period of time. I agree to defend, indemnify and hold Company and its members, managers, employees and agents harmless from and against any and all claims, demands, actions, liabilities, costs or damages arising out of Company's provision of services to the Client under this agreement or the Client's breach of the Agreement, except for claims, depends, actions, liabilities, costs or damages arising out of Company's gross negligence or willful misconduct. I further agree to pay Company's reasonable attorneys' fees and costs arising from any actions or claims eligible for indemnification under this Agreement.
Limitations. I understand that Phoenix Company will extend its best efforts to cause negative information on my file to be deleted, corrected, clarified and/or upgraded to a positive rating to the total extent allowed by all federal regulations. I further understand Phoenix Company does not provide legal advice, financial planning, investment advice, tax advice or engage in any debt counseling or consolidation services. Phoenix Company has no responsibility for any past, present, or future credit ratings assigned to the client by reporting agencies. I will consult an attorney for my legal needs.
Payments. I promise to pay Phoenix Company as agreed and described in the Fees section herein. I understand there are no refunds once service has commenced. If any checks are dishonored by my bank, I agree to pay Phoenix Company a $30.00 service charge and remit all future monies by cashier's check or money order.
Fees. Service fees are $99 per person, payable to Phoenix Company or designee upon commencement of service.
I have read and understand all the above and hereby retain Phoenix Company to exercise my rights as prescribed by the Fair Credit Reporting Act (Public Law 91-508). I further understand there are no refunds once service has commenced, and that this is a legal binding contract. I understand Phoenix Company reserves the right to cancel agreements at any time for actions or evidence, which appears illegal or unethical on the part of the client. I understand that if, for whatever reason, I stop making payments for any unpaid balance on this contract Phoenix Company can and will stop all services on my/our profile and nothing will be released to me. I would have to pay the balance in full before recommencement of services. I hereby acknowledge receipt of a copy of this agreement, receipt of SEC 405 Disclosures, and receipt of a cancellation form upon signing. I agree that all representations and statements given are set forth in writing on this contact, and that no oral agreements are accepted.
Client's Signature Date Spouse's Signature
Payment Authorization Form
I ________________________ authorize Phoenix Company to initiate funds from the checking account (Client name) Indicated below. I also authorize my depository financial institution to honor these transfers.
Please Check Box/Boxes (required)
This authorization is valid for this transaction only.
The transaction amount will be $99 per person totaling $_____________________
I have read and agree to all of the terms and conditions on this page and any other contract or document that accompanies this agreement. I certify that I am the authorized account holder for this checking account. I understand this is a binding agreement and I will receive a copy of each check draft in my statement when the item has cleared.
I understand this is a legal binding agreement between Phoenix Company and,
I understand that all returned checks are subject to a $30.00 NSF Fee. This agreement will remain in effect until Phoenix Company receives my written notice of cancellation via mail, fax or email.
Authorized Accountholder Signature (required) Date (required)
Credit Card Information: Visa MC AMEX Discover #________________________________
Name on Card____________________________ EXP_____/_____ CC SEC # ___ ___ ___
(3 digits on back of card)
Authorized Accountholder Signature (required) Date (required)
Identity Theft Protection and Legal Services
Now included in your credit repair services are one month FREE trial memberships (at your option):
Kroll Data Identity Theft Shield: ($12.95/month per household)
o Initial credit report and guide on how to read the report
o Continuous credit monitoring and scoring
o Identity restoration in the event of ID theft
Pre-Paid Legal Services Plan: ($26.00/month per household)
o Preventive legal services
o Phone Consultation with Attorney/Review of Documents/Phone Calls and Letters for any legal matter regarding :
1) drivers license
2) medical information
3) social security number or issues
4) character/criminal identity
5) my credit identity and information
o A Will for me and my spouse
o Motor vehicle moving violation representation
o Trial defense
o IRS audit
o Legal Shield 24/7 days a week when arrested or detained
o Discounted rate for other legal services
____ I would like to enroll in the Pre-Paid Legal Plan only ($26.00/month).*
____ I would like to enroll in the Identity Theft Shield only ($12.95/month).*
____ I would like to enroll in Both PPL and ID Theft Shield ($35.95/month).*
____I decline to enroll at this time. Please perform the credit repair services only.
Name: ______________________________ Signature: _____________________________
Select your Login/user ID__________________ Select your personal password______________
List names and DOB for all children to be covered by the plan.
Name________________DOB ____/____/____ Name_________________DOB ____/____/____ Name________________DOB ____/____/____ Name_________________DOB ____/____/____
Name________________DOB ____/____/____ Name_________________DOB ____/____/____
• I acknowledge that these service programs are made available at my own expense.
• Signing here constitutes authorization to initiate trial memberships with PPL, Inc and IDT (Kroll).
• Complete information and policy descriptions will be sent to you shortly.
• Phoenix Company has met the FTC standards for "FACT ACT" compliance et al.
• Programs available to check draft and credit card clients only. E-mail account required.
Personal Information Form
Name Client Spouse
First: ___________________________ ______________________________
Middle: ___________________________ ______________________________
Last: ___________________________ ______________________________
Soc. Sec. No: __________-_____-__________ _________-_____-_______________
Date of Birth: __________/_____/___________ _________/______/______________
Street: ___________________________ ______________________________
Apt: ___________________________ ______________________________
City: ___________________________ ______________________________
State/Zip: ___________________________ ______________________________
County ___________________________ ______________________________
How Long: ___________________________ ______________________________
Phone & Email
Home: (______) ______-____________ (_____) _______-________________
Work: (______) ______-____________ (_____) _______-________________
Cell: (______) ______-____________ (_____) _______-________________
Fax: (______) ______-____________ (_____) _______-________________
Email: ___________________________ ______________-________________
Street: ___________________________ _______________________________
Apt: ___________________________ _______________________________
City: ___________________________ _______________________________
State/Zip: ___________________________ _______________________________
Drivers Lic #/ State ______________________ ________________________________
Referral: ___________________________ Phone: (______) ______-____________
Autos: Year Make Model Bank Monthly payment
Current auto __________________________________________________________________
Prior auto __________________________________________________________________
Current Mortgage Company:______________________________ Monthly Payment __________
What are your future plans for use of good credit? ______Mortgage______ Auto_____ Insurance
What is your time line for your plans? ______ 1-3 ______ 4-6 ______ 7-12 months
How did you hear about Phoenix Company? (Source)____________________________________
I am interested in: Credit Cards ___ Legal Plans ___ Credit Monitoring ___ Cost Segregation ___
'Notice of Cancellation'
'You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.
To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to Phoenix Company at PO BOX 568, Denton Texas, 76202 before midnight on
Fill in date of third day after contract date in blank provided.
I hereby cancel this transaction,
Fill in date of client agreement signature.
Client Signature Date
SEC. 405. DISCLOSURES.
'Consumer Credit File Rights Under State and Federal Law'
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
This information is to be provided exclusively to Phoenix Company professionals/referral sources/requesting individuals and is not intended for public use. This is not an advertisement to extend consumer credit as defined in Regulation Z, §226.2. All services are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions apply. Phoenix Company does not email unsolicited commercial messages. If you would prefer not to receive further commercial email messages from us, please email us at Remove@PhoenixCompanyCreditRepair.com
©2007 Phoenix Company. All Rights Reserved. 02/05//2007