BINDING CONSULTING AGREEMENT & POLICIES
Agreement Details
Please read these professional credit consulting terms carefully. They define the legal scope of advisory services provided by ADR Consulting LLC, consumer rights under federal law, client responsibilities, fee schedules, and dispute resolution parameters.
This document governs the credit analysis, advisory audit, and dispute documentation consulting provided by ADR Consulting LLC. By enrolling in or retaining our services, you acknowledge receipt of your Consumer Credit File Rights Under State and Federal Law.
1. Scope of Advisory Services
ADR Consulting LLC delivers specialized analytical consulting to help clients evaluate consumer credit reports, identify potential reporting discrepancies, and execute direct administrative correspondence under the FCRAFair Credit Reporting Act (15 U.S.C. § 1681): Federal legislation promoting the accuracy, fairness, and privacy of consumer information contained in files of consumer reporting agencies.. Our advisory engagements include comprehensive file audits, bureau response evaluations, debt validation letter preparation, and personalized credit profile re-structuring recommendations.
2. Client Obligations & Document Delivery
Successful execution of your credit advisory program relies strictly upon mutual transparency and timely communication. The client agrees to adhere to the following mandatory standards:
- Active Monitoring: Maintain an active 3-bureau credit monitoring subscription throughout the entire duration of the advisory contract.
- Prompt Forwarding: Upload all correspondence received from Equifax, Experian, TransUnion, or collection agencies within 5 business days of receipt.
- Account Restraint: Refrain from applying for unauthorized new credit lines or accumulating delinquent balances during active dispute intervals.
- Truthful Disclosure: Provide accurate identification, proof of address, and complete records regarding every disputed account.
3. Fee Structure & CROA Strict Compliance
In accordance with applicable federal and Minnesota law, ADR Consulting LLC does not charge or receive payment for credit consulting services before the agreed-upon services are fully performed. ADR Consulting LLC charges no startup fee and no audit fee. The service fee is $99.95 for each completed monthly service cycle and is invoiced only after the services for that cycle have been completed. No specific credit-score increase, deletion, or other credit outcome is guaranteed.
4. Disclaimers, Warranties & Legal Limits
ADR Consulting LLC is a specialized consulting firm, not a law firm, credit reporting agency, or lender. We do not provide formal legal representation, nor do we promise or guarantee specific numerical increases to your FICO ScoreFair Isaac Corporation Score: A proprietary predictive credit scoring model evaluating payment history, credit utilization, and credit age. or the deletion of verified, accurate reporting records. Credit bureau investigations are governed independently by third-party reporting bodies under statutory compliance standards.
5. Data Confidentiality & Security Standards
All personally identifiable data, consumer reports, and account documentation are stored using enterprise-grade 256-bit AES encryption in accordance with the Gramm-Leach-Bliley Act (GLBA). ADR Consulting LLC will never sell, rent, or lease client records to third-party marketing organizations.
6. Cancellation Rights & Cooling-Off Period
You may cancel this consulting contract without penalty or obligation at any time before midnight of the 5th business day following the contract execution date. Subsequent monthly consulting services may be discontinued at any time with a 10-day written notice prior to the next billing cycle.
7. Governing Law & Binding Arbitration
This agreement shall be governed by applicable federal law and the laws of the State of Minnesota.
