Service Agreements - Credit Solutions

This is an all-in-one membership which includes the Smart Credit Report^® & Scores, ScoreTracker, ScoreBuilder^®, ScoreMaster^®, PrivacyMaster^®, Credit Monitoring, Alerts, $1MM Identity Fraud Insurance (activation required) and Money Manager all tied together with action buttons direct-to-your-creditors for any questions or needs.

Our product has a monthly Membership fee and we have various plans to choose from. See Membership Options & Pricing to determine which Membership plan best suits your needs. You will be billed once per month on the anniversary of your bill date and your services will be renewed each month unless you cancel your membership. If your bill day is not available on a particular month, then you will be billed on the last day of that month.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (866) 991-1113.

THIS AGREEMENT HAS AN ARBITRATION CLAUSE AND A CLASS ACTION WAIVER.

YOU MUST READ AND ACCEPT THIS ENTIRE AGREEMENT BEFORE YOU CAN ENROLL AND PURCHASE THIS PRODUCT.

WE DO NOT PROVIDE CREDIT REPAIR SERVICES OR CREDIT REPAIR ADVICE. WE DO NOT CLAIM THAT WE ARE ABLE TO “CLEAN UP” OR “IMPROVE” YOUR CREDIT RECORD, CREDIT HISTORY OR CREDIT RATING. ANY MENTION OF THE WORD “IMPROVE” OR “GOAL” IS COINCIDENCE AND DOES NOT CARRY THE SAME MEANING AS CLEANING UP OR IMPROVING ONES CREDIT RATING.

© members.creditsolutions.com – Powered by the ConsumerDirect^® Platform – All Rights

Our product has action buttons for you to communicate directly with your creditors. We are a neutral system and we do not instruct, advise, recommend or otherwise encourage you to take Actions directly with your Creditor. You are solely responsible for any Actions you take with your creditors.

The Smart Credit Report^® is not a credit report as traditionally known or viewed. The Smart Credit Report^® is entirely different. It contains additional data and formatting that is not similar to a traditional credit report. It is a new technology that is patented under USPTO 7,818,228 and Others. It is used primarily as a communications medium for consumers to communicate directly with creditors.

Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. We are not affiliated with the Annual Credit Report program. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies at AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.

Please see our Terms of Use for a list of our registered trademarks and issued patents.

INFORMATION STATEMENT ABOUT YOUR MEMBERSHIP

Account Registration

By providing the information requested during our enrollment process, you will be given full access to the site for any paid membership. You must read the Important Consumer Notices and agree to the Membership Service Agreement which are shown below. You will also be accepting our Privacy Policy and Terms of Use where you are giving your permission to match you with offers, products and Apps that may be suited for you. We will not share your information with any third party without your express permission. See our Privacy Policy for more information.

Your Membership includes the following products:

Smart Credit Report^®

This is a revolutionary new type of Credit Report and is not to be confused with a traditional credit report. What makes it so different is the way information is shown to you and how you can interact with your creditors by using action buttons. It also has a zoom feature to see more credit details and even your daily transactions that ultimately compromise of the information reported by a credit reporting agency.

Scores and ScoreTracker

Each of your Scores has a number ranging from bad to excellent along with a letter grade and how you compare to others. You also get a detailed overview of your Scores. All Scores are estimates and are for educational purposes only. They cannot be used to determine final credit.

Credit Score:

This is your credit score and its number range is 300-bad to 850-excellent. This score is a general representation of your credit risk lenders use to grant credit.

Auto Score:

This represents your possible risk to lenders if you purchase or lease a vehicle.

Insurance Score:

This represents your possible risk to an insurance company if they are underwriting your insurance.

Hiring Risk Index:

Many employers are allowed to view your credit report (not your credit score), when determining hiring or promotion. This Hiring Risk Index can help you better understand how employers may interrupt your credit report.

ScoreBuilder^®

ScoreBuilder^® is a 120 day program to better understand what is helping or hurting your credit score and view possible actions you can take on your own.

ScoreBuilder^® Disclaimer: ScoreBuilder^® does not recommend, advise or guarantee any action or any result. Any action taken is entirely up to each individual person. This is not credit repair and no action is ever sent to any Credit Reporting Agency; and therefore, not subject to regulation under a Federal or State Credit Repair Organization Act.

ScoreMaster^®

ScoreMaster^® is a simulator that helps you plan your future credit score and know when it’s best to apply for credit.

By using ScoreMaster^® you can see how making payments can increase your credit score and by when. You can also see how spending lowers your credit score and by when. Plus, you can know the best time to apply for credit.

ScoreMaster^® is also a great educational tool to better understand how your credit score works.

ScoreMaster^® Disclaimer: ScoreMaster^® is a credit score simulator designed for educational purposes only. Results are not guaranteed and should not be relied upon. ScoreMaster^® is a simulator showing possible outcome(s) of your credit score based upon certain actions you may optionally take that affects the statement balance reported by your creditor or bank. This is not credit repair and not subject to regulation under any Federal or State Credit Repair Organization Act.

Alerts

This monitors information that is posted to a credit reporting agency (specifically TransUnion) or financial accounts once you add them to Money Manager. Some monitoring Alerts you may get are more important and urgent than others. For these important Alerts we recommend you activate Alerts on your phone. This will put an action button in your Alert to help you remove identity theft right from your phone without the need to log in to your account.

In addition, you will get various Alerts keeping you informed of the latest concerning your Money, Credit and Identity. The Alerts are simple and well organized for you. They include Alerts about your Membership, credit monitoring, identity theft alerts, creditor responses to your Actions and when payments are due on your Money Manager linked accounts.

Make sure you allow our Alerts to get to your email in-box by instructing your email that our Alerts are NOT spam.

$1MM Identity Fraud Insurance (if applicable)

Your $1mm Identity Fraud Insurance (“Fraud Insurance”) is underwritten and administered by Voyager Indemnity Company, an Assurant Specialty Property Company (“Assurant”) under a master group policy issued to ConsumerDirect, Inc^®. for the benefit of it and its partners members.

BASED ON YOUR MEMBERSHIP, FRAUD INSURANCE MAY NOT BE AUTOMATICALLY ACTIVATED WHEN YOU ENROLL AS A MEMBER. YOU MUST ACTIVATE YOUR FRAUD INSURANCE.

The complete policy is available in the Fraud Insurance section of your membership. Please note that New York and Texas may have certain restrictions or prohibitions.

Assurant administers all claims and ConsumerDirect, Inc^®. shall have NO responsibility with respect to ANY Fraud Insurance benefit.

PrivacyMaster^® (if applicable)

We scan and monitor for websites & data brokers who might be selling or misusing your personal information and alert you when discovered.

You can then instruct them to Opt-Out of their sharing or selling your personal information. Or you can instruct them to completely Remove your personal information providing you do not have an open account with them.

We will monitor their compliance with your Opt-Out or Remove instructions.

You will get periodic alerts with updates and results. Your results may take from 1 to 45 days depending upon the responsiveness of the website or data broker’s compliance with your instructions. Results are not guaranteed and may vary.

Money Manager

Link your online bank accounts, credit cards, loans, utilities and investment accounts to Money Manager. This lets you see individual transactions, monthly statements and get payment due notices updated every day.

The details of these linked accounts are shown in Money Manager located on your Member home page and also attached to your creditor data on the Smart Credit Report^®. If you view a creditor in your Smart Credit Report^®, the transactions will appear as well.

Having all your money, credit and identity in one place is very simple and convenient, especially when you use an action button to ask your credit something.

Action Buttons*

Use the action buttons, located throughout the site, to communicate directly with your creditors for any questions, problems or requests you may have. It is very fast, you don’t need account numbers, or have to worry about business hours. Best of all, you don’t have to talk to anyone. Just push the button.

When a creditor replies to your Action request they may reply through our system which will then generate an Alert to you. Or, the creditor may reply directly to your home address. A creditor’s reply may vary depending on the general responsiveness of the creditor and your Action request. Please allow reasonable time for your creditor(s) to respond to your Action(s).

A creditor may reply with acceptance, denial, counter-offer or request for more information. In some cases, a creditor may not respond at all. In other cases, multiple Actions may be required to get the result you desire. Results or replies to your Action(s) are not guaranteed. Delivery of your Action(s) to a creditor is not guaranteed. We do reserve the right to reject any of your Actions for unnecessary repetition, frivolous requests or foul language.

You have until midnight, Pacific Time, to cancel your Action. After which our system will automatically fulfill your Action request.

* These features are only available for paid memberships. Free membership may not include these features.

What if I have Questions?

For non-Members, please contact us at (866) 991-1113 for any assistance with enrollment or questions. You can also reach us through our web site by clicking on Contact Us.

For Members, please log in to your account, and then click Contact Us. There you can use our simple form which will help you contact us with your specific needs. For security purposes, we do not accept emails, please just use this form.

If you need to contact us by telephone, please call (866) 991-1113.

MEMBERSHIP OPTIONS AND PRICING

Membership Pricing

All Paid Membership plans include the following:

Smart Credit Report^®
3-Bureau Credit Report & Scores
Scores
ScoreTracker
ScoreBuilder^®
ScoreMaster^®
Alerts
$1MM Identity Fraud Insurance (activation required)
Money Manager
Action Buttons

Premium Membership:

$49.00 per month
Unlimited Actions**
Unlimited updates to your Scores*
(1) 3-Bureau Credit Reports & Scores per month***

Unlimited Scores is defined as 3 full Smart Credit Report^® and Score updates per billing period. For the integrity of our product and for your protection, any request to exceed this will have to be determined as non-frivolous. Please contact our customer service (866) 991-1113 to request additional Score updates within the same billing period.

** Unlimited Actions are defined as 10 Actions per billing period. For the integrity of our product and for your protection, any Actions exceeding this will have to be determined as non-frivolous. Please contact our customer service (866) 991-1113 to request additional Actions within the same billing period.

***Additional 3-Bureau Credit Report & Scores may be ordered with all active for a one-time fee if applicable. You may order up to one 3-Bureau Credit Report & Scores per day. The 3-Bureau Credit Report & Scores is available for 12 months or until a new 3-Bureau Credit Report & Scores has been ordered, at which point, the new report and scores will replace any existing 3-Bureau Credit Report & Scores.

We reserve the right to offer you different Membership plans at any time where the monthly charge, Actions per billing period and updates to your Credit Scores per billing period maybe different than listed above.

Our prices are subject to change at any time. Prior to any price increase, we will give you notice, and you may cancel your Membership if you do not agree to the increase.

When you enroll in Membership our system may validate your method of payment to verify your identity and check for fraud. If you have not cancelled your Membership, we reserve the right to use an industry standard credit/debit card updater to update your method of payment should your current method of payment be lost, stolen or expired.

You will be billed once per month on the anniversary of your bill date and your services will be renewed each month unless you cancel your membership. If your bill day is not available on a particular month, then you will be billed on the last day of that month.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (866) 991-1113.

If your method of payment for any charges described herein fails, you may lose access to your Membership.

We reserve the right to cancel your Membership without notice, if in our sole and exclusive determination, we find abuse of our system, including, but not limited to: improper enrollment information, false or failed credit cards and frivolous use of our action buttons or our Smart Credit Report^®.

How does the Cancellation Policy work?

Canceling your Membership Account will immediately cease any additional charges. You agree to pay any accumulated, unbilled charges through the date of your cancellation, at the time of your cancellation. You may reactivate your account at any time.

Upon cancellation, you will lose access to the areas of the service designated for Members only and lose access to your data and other benefits. This could include any credit data and analysis that may have been displayed during your Membership.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (866) 991-1113.

IMPORTANT CONSUMER NOTICES

Please read the following important consumer notices carefully.

WE ARE REQUIRED BY CERTAIN LAWS TO DISCLOSE THE FOLLOWING: “ONLY THE CREDIT BUREAUS CAN REMOVE OR CORRECT INACCURATE, UNVERIFIABLE, OR OUTDATED INFORMATION, FROM YOUR CREDIT REPORT(S), WHICH HAS NOT BEEN CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAUS. YOU MAY SEEK TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT. THEREFORE, IT IS IMPORTANT THAT YOU REALIZE THAT NO ONE (INCLUDING US, OUR PRODUCTS, OR ANY CREDIT REPAIR/CARE SERVICE) CAN REMOVE ACCURATE AND CURRENT INFORMATION FROM YOUR CONSUMER CREDIT PROFILE.”

The Federal Trade Commission and some States’ Attorneys General regulate creditors, credit bureaus and credit care organizations. As a safe harbor statement please know: “You have the right to sue a credit services organization if it misleads you.”

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. They may charge a reasonable fee not to exceed eleven dollars ($11). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information on your credit report within the preceding 60 days. There is also no fee if you certify that you are unemployed and intend to apply for employment during the next sixty (60) days, that you are a recipient of public welfare assistance, or that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud. You also have the right to receive one free copy of your credit report from each consumer credit reporting agency per year at the www.annualcreditreport.com web site.

The credit data provided or requested through our product is not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency and/or the reporting creditor must remove accurate negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.

YOU UNDERSTAND ANY ACTIONS YOU MAY TAKE DO NOT GO TO ANY CREDIT REPORTING AGENCY/CREDIT BUREAU, BUT ONLY TO YOUR CREDITOR AS YOU SELECT AND INSTRUCT. IT IS YOUR CREDITOR’S SOLE AND ABSOLUTE DISCRETION TO RESPOND TO YOUR ACTION AS THEY DEEM NECESSARY. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM US TO COMMUNICATE WITH YOUR CREDITORS. YOU MAY COMMUNICATE DIRECTLY WITH YOUR CREDITORS FOR ANYTHING YOU WISH AT ANY TIME.

If, separately from using our product, you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this product. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency, to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you.

Nonprofit credit counseling services are available, usually without fees, to counsel you as to credit management and/or consolidation. Additionally, many of our product features you may perform on your own, such as our Actions. We are simply a neutral technology allowing consumers to communicate with their Creditors for whatever they need.

In compliance with our license (AND AS A SAFE HARBOR) with the State of California, we hold a Surety Bond #57BSBFN9192 as a credit services organization. To submit a claim against The Hartford Bond, its address is: One Hartford Plaza, Hartford, CT 06155

The E-Sign Act grants that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you certify that this digital signature is the equivalent of your handwritten signature. Also, you, agree that you have read and understand all of the Membership Terms & Conditions, Terms of Use, our Privacy Policy and our Information Statement About Your Membership, and you agree to and do sign each section of this Membership Terms contract with your digital signature.

/_/ I agree to all Terms. I received my Consumer Rights and Information Statement. Prior to your registration as a Member, you will be required to check an on-line confirmation box confirming your agreement.

Authorization for Credit Repair Action

1. I, Client, hereafter known as “client” hereby authorize, Credit Solutions,4444 Corona Drive Suite 127, Corpus Christi, Texas 78411, to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve my credit. Such instruments in writing of whatever and nature shall only be effective for any or all of the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditor’s listed, as may be necessary or proper in the exercise of the rights and powers herein granted.

This authorization may be revoked by the undersigned at any time by giving written notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the client. If not earlier revoked, this authorization will automatically expire twelve months from the date of signature.

The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.

I grant to Credit Solutions,4444 Corona Drive Suite 127, Corpus Christi, Texas 78411, authority to do, take, and perform, all acts and things whatsoever requisite, proper, or necessary to be done, in the exercise of repairing my credit with the three credit reporting agencies, which are TransUnion, Experian, Equifax and any other reporting agencies or creditor’s listed, as fully for all intents and purposes as I might or could do if personally present.

I hereby release Credit Solutions,4444 Corona Drive Suite 127, Corpus Christi, Texas 78411, from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.

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 a 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 up to 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 violated 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 that 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.

Authorized User Agreement

This agreement is between me (each person who applies for the program or who signs this agreement) and CC Credit Solutions LLC.. and its affiliates, hereby referred to as Credit Solutions. I understand and agree that, although Credit Solutions may have offices in other territories, this authorized user agreement is offered only through the assigned affiliate for each contract under the laws of the assigned lender’s state that is the office I have solicited.

I hereby solicit Credit Solutions and apply to become an AUTHORIZED USER from COMPANY as is described herein below.

I hereby instruct Credit Solutions to add my name and social security as an AUTHORIZED USER to established, revolving credit card accounts determined by Credit Solutions. I understand that becoming an authorized user, the account(s) for which I have been authorized will issue a card(s) in my name, and that the card will be held by Credit Solutions. Charges are made to my card(s) and paid on time or in full monthly before the due date to ensure a consistent payment history. I understand that while the aged credit accounts I am purchasing have been proven to raise credit scores, I also understand my credit scores can go up, down, or remain the same! Credit Solutions has no control over the credit reporting process whatsoever, nor can they control the impact that any addition of a seasoned trade line(s) can have.

This Agreement describes the terms and conditions under which my aged credit accounts are issued. I certify that I am at least 18 years of age, and the information I provide to Credit Solutions in order to enroll in this program is true and accurate. I understand that my use of the account constitutes my acceptance of this account in accordance with the terms and conditions of this agreement.

I understand that the authorized user cards issued in my name will not be distributed to me and that they are retained by the company for reporting purposes. I also understand that Credit Solutions administrates all fees and I will be liable for the total amount of these fees as stated in this agreement.

CREDIT BUREAU REPORTING: I understand that the trade lines assigned to my credit file are issued by institutions that are subscribers of the major credit bureaus. My application information will be submitted to the selected banks, and the next credit reporting period for those banks, the accounts selected by Credit Solutions will appear on my credit report dating back to the date the account was established. I also understand that the specific age and size of the trade line is subject to change at any time without notice, and is based on availability. I understand that while most trade lines are reported in 30-60 days, this process may take up to 120 calendar days for all trade lines to appear on my credit report(s). I also understand that even though the selected financial institutions reserve the right NOT to report to the credit bureaus at any time, Credit Solutions guarantees that all of my purchased trade lines will report to at least 2 out of 3 credit bureaus.

I further ratify the fact that my seasoned trade lines can take up to 120 calendar days to show up on my credit reports after my information is submitted. Credit Solutions cannot control the amount of time it takes each bureau to post credit information reported by any subscriber, nor predict the maximum impact of our service for each clients’ circumstances. Age of credit history, age of applicant, age of recent bankruptcies, etc., further compound this issue. I also understand that repeated credit attempts by me will result in negative impact on my reports by adding to my inquiries being reported in the two years allowed the bureaus to report, and said actions can negate the impact of this program.

Notice of Right to Cancel

”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 Credit Solutions, 4444 Corona Drive Suite 127, Corpus Christi, Texas 78411, before midnight on the 3rd day which begins after the date you have signed this contract stating ”I hereby cancel this transaction, (date) (purchaser’s signature).’’

Please acknowledge your receipt of this notice by electronically signing the form indicated below.

Acknowledgment of Receipt of Notice

I, Client, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm

INFORMATION STATEMENT ABOUT YOUR MEMBERSHIP

Account Registration

Your Membership includes the following products:

Smart Credit Report^®

Scores and ScoreTracker

Credit Score:

This is your credit score and its number range is 300-bad to 850-excellent. This score is a general representation of your credit risk lenders use to grant credit.

Auto Score:

This represents your possible risk to lenders if you purchase or lease a vehicle.

Insurance Score:

This represents your possible risk to an insurance company if they are underwriting your insurance.

Hiring Risk Index:

ScoreBuilder^®

ScoreBuilder^® is a 120 day program to better understand what is helping or hurting your credit score and view possible actions you can take on your own.

ScoreMaster^®

ScoreMaster^® is a simulator that helps you plan your future credit score and know when it’s best to apply for credit.

ScoreMaster^® is also a great educational tool to better understand how your credit score works.

Alerts

Make sure you allow our Alerts to get to your email in-box by instructing your email that our Alerts are NOT spam.

$1MM Identity Fraud Insurance (if applicable)

BASED ON YOUR MEMBERSHIP, FRAUD INSURANCE MAY NOT BE AUTOMATICALLY ACTIVATED WHEN YOU ENROLL AS A MEMBER. YOU MUST ACTIVATE YOUR FRAUD INSURANCE.

The complete policy is available in the Fraud Insurance section of your membership. Please note that New York and Texas may have certain restrictions or prohibitions.

Assurant administers all claims and ConsumerDirect, Inc^®. shall have NO responsibility with respect to ANY Fraud Insurance benefit.

PrivacyMaster^® (if applicable)

We scan and monitor for websites & data brokers who might be selling or misusing your personal information and alert you when discovered.

We will monitor their compliance with your Opt-Out or Remove instructions.

Money Manager

Having all your money, credit and identity in one place is very simple and convenient, especially when you use an action button to ask your credit something.

Action Buttons*

You have until midnight, Pacific Time, to cancel your Action. After which our system will automatically fulfill your Action request.

* These features are only available for paid memberships. Free membership may not include these features.

What if I have Questions?

For non-Members, please contact us at (866) 991-1113 for any assistance with enrollment or questions. You can also reach us through our web site by clicking on Contact Us.

If you need to contact us by telephone, please call (866) 991-1113.

MEMBERSHIP OPTIONS AND PRICING

Membership Pricing

All Paid Membership plans include the following:

Smart Credit Report^®
3-Bureau Credit Report & Scores
Scores
ScoreTracker
ScoreBuilder^®
ScoreMaster^®
Alerts
$1MM Identity Fraud Insurance (activation required)
Money Manager
Action Buttons

Premium Membership:

$49.00 per month
Unlimited Actions**
Unlimited updates to your Scores*
(1) 3-Bureau Credit Reports & Scores per month***

Our prices are subject to change at any time. Prior to any price increase, we will give you notice, and you may cancel your Membership if you do not agree to the increase.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (866) 991-1113.

If your method of payment for any charges described herein fails, you may lose access to your Membership.

How does the Cancellation Policy work?

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (866) 991-1113.

IMPORTANT CONSUMER NOTICES

Please read the following important consumer notices carefully.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

Privacy Policy

Our website is designed to collect and maintain sensitive personal information, including information about your financial accounts and credit history. We are committed to the responsible stewardship of this information. This privacy notice is designed to explain how we collect, use and disclose personal information of prospective, current, and former customers. This notice also describes your privacy choices. Please take a moment to review this privacy policy and feel free to contact us with any questions using our contact form by clicking on Contact Us in the Help Center on our website.

A special note about our privacy policy: The provisions of this policy apply both to CURRENT AND FORMER Members along with consumers who provide personal information on our sign-up pages but who do not complete their Membership application. If you have provided sign-up information, you may still opt-out of our use and sharing of your information using the links bellow, even if you are not registered for our service.

WHAT PERSONAL INFORMATION DO WE COLLECT?

We collect three types of Personal Information from you:

Contact Information – such as your name, residential, business and/or mailing address, e-mail address, and telephone and or mobile number(s).

Financial Information – such as information on your creditors and accounts and the specific actions you take with regard to those accounts, as well as your credit card information (used to pay for our services); In the course of providing services to you, we may also receive information about you from your creditors or the credit reporting agencies about your accounts. This information is classified as Financial Information.

Profile/Membership Information – such as demographic information, credit, identity and other personal profile data that you provide about yourself when you visit our website, register, or use our service, as well as, your Membership preferences.

From time to time, we may also collect or ask for additional Personal Information, which will also be expressly included herein as Personal Information. Any Personal Information you provide to us is voluntary and you can opt out of providing certain Personal Information requested by us. However, your refusal to provide certain Personal Information requested as part of our service may hinder or otherwise restrict your ability to use the website and services offered thereof.

Some of our services involve us acting as your authorized agent to make requests on your behalf. Before we act as your agent, you are required to provide information to us so that we may identify you. For example, our PrivacyMaster^® services require you provide your name, mailing address, email, and a signature (electronic or written).

We may also use the Personal Information to contact you to further discuss interests in CC Credit Solutions (including the services that we provide) and to send information regarding CC Credit Solutions or its partners, such as promotions and events. You may be invited to receive an e-mail newsletter or other correspondence by providing an email address. We may outsource all of these tasks to third party service providers.

WHAT NON-PERSONAL INFORMATION DO WE COLLECT?

Besides the Personal Information referenced above, we may also collect other information regarding your use of the website. We collect and use non-personally identifiable information, which is any information other than Personal Information and/or does not identify the specific individual, including, without limitation: IP address, the approximate geographic location of the user based on their IP address, the type of browser and operating system used by the user, any interactions a user may initiate within the website, the websites and web pages that users visit or visited, user interactions with features of the website, content preferences users selected within the website and other inferences about the user’s interests made based upon the foregoing. This information is not intentionally gathered in a fashion to personally identify any single user. We use this information to help us develop the website, analyze patterns of usage, and to make the website more useful.

A special note about cookies: When you view the website, we may store some information on your computer’s hard drive. This information will be in the form of a “Cookie.” “Cookies” are information files which your web browser places on your computer when you visit a web site. We use cookies on our websites to enhance your customer experience. We may also work with third parties to serve ads on our websites. These ads may contain cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and gather completely anonymous information.

When you view the website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

California Disclosure re: Do Not Track Signals from Web Browsers — The website is not presently configured to support Do Not Track (“DNT”) signals from web browsers.

Minors

A special note about minor’s information: Our services are designed to help adults manage their financial relationships. CC Credit Solutions does not knowingly allow any visitors or users under the age of eighteen (18) to use or otherwise access the website. If you are under the age of 18, you may not use the website. Because we do not knowingly collect any information from any children under the age of 18, we also do not knowingly share or disclose such information to third parties.

HOW DO WE USE YOUR PERSONAL INFORMATION?

The primary reasons we collect personal information are to (1) enroll you in our Membership program, (2) provide products and services that you have requested and (3) promote products and services to you. In particular:

We use your Contact Information to provide:

general Membership communications
specific messages about your Membership, such as billing notices and action confirmations
promotional messages and telephone calls from us and our marketing partners, unless you tell us not to by opting-out as described below.

We use your Financial Information to process your instructions, such as our Actions, and provide the services outlined in your Membership Agreement and in this Privacy Policy. We use your credit card information to process payment for your Membership and other services that you purchase from us. We do not use your Financial Information for any other purposes.

We use your Personal Information to verify your identity, provide you with necessary Membership services, such as our Smart Credit Report^®, PrivacyMaster^®, determine what other products and services might be of interest to you, and for our internal administrative purposes.

We use the information that we collect to provide and maintain the website as we deem appropriate in our sole discretion and to provide the service through the website, and to provide any other services that you and CC Credit Solutions agree to. CC Credit Solutions may aggregate data that it obtains form users to analyze trends, to gather data to benchmark best practices, and to monitor, improve and refine the functionality of the website and services offered therefrom.

We may contact you by mail, telephone and/or email to better assist you with completing your enrollment or for other marketing purposes.

WHEN DO WE SHARE YOUR PERSONAL INFORMATION WITH OTHERS?

We may provide your personal information to third parties under the following circumstances:

We may disclose any personal information (including your Contact Information, Financial Information and Personal Information) with any third parties as needed to process your actions and provide the services that you request. For example, to complete an Action, we will disclose your contact information, account information, along with your Action request and Membership information to the creditor on your behalf. If you direct us to disclose your personal information to third-parties, we will do so in accordance with your instructions and the terms applicable to the particular service.

We may disclose any personal information with third parties that are performing services on our behalf. These third parties are required to protect your personal information and are not permitted to use it for any other purpose.

Unless you opt out (as described below), we may share your Contact Information and Personal Information with third parties so they may send you information about their products and services via electronic and conventional postal mail. We may also share your Contact Information and Personal Information with other financial institutions, in order to jointly market financial products and services to you.

We may disclose any personal information as required or as permitted by law. For example, we may disclose your information to prevent fraud or in response to a subpoena. We may also disclose your information as needed to protect our legal rights and enforce our terms.

In the event that CC Credit Solutions is involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, CC Credit Solutions reserves the right to sell or transfer user information (including Personal Information) as part of any such transactions. To the maximum extent allowable by law, the Privacy Policy will apply to the user information as transferred to the successor entity. However, user information submitted after a transfer to a successor entity may be subject to a new privacy policy adopted by the successor entity.

WHAT CHOICES DO I HAVE?

You have choices with regard to marketing communications and data sharing. In particular:

Regardless of how you access our services, you can opt-out of receiving marketing communication from us (and our joint marketing partners) or from our sharing your personal information with third parties for their own marketing by contacting us below:

customerservice@creditsolutions.com

You may also opt-out of email marketing, by following the opt-out instructions included in every commercial email we send. You may also opt out by contacting Customer Service here. Please note that we may continue to communicate with you regarding your Membership and Actions you take.

You may opt-out of receiving promotional telephone calls from us by asking the operator to place you on our do not call list or by contacting Customer Service here.

HOW DO I UPDATE OR CORRECT MY PERSONAL INFORMATION?

If you are a Member, please login to your members.creditsolutions.com account. If you are not a Member, please contact Customer Service here. Please note, we are not able to update, modify, or correct personal information about you that we do not control.

HOW DO WE PROTECT YOUR PERSONAL INFORMATION?

We have developed a formal information security program to safeguard the personal information that you entrust to us. Our security program includes reasonable technical, physical and administrative safeguards. For example, we restrict access to your information only to those employees who need to know that information to provide products or services to you.

We also take special steps to protect your information via transmission over the Internet by using a secure web server, which allows web browser programs (Mozilla/Firefox, Netscape, or Microsoft Internet Explorer) to interact with the web server via an encrypted session. We employ a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and members.creditsolutions.com. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by “https” or a lock appearing on your screen. When you visit our website, you will be in a secured area.

WHAT HAPPENS IF WE CHANGE OUR PRIVACY POLICY?

As our business changes, we may need to revise our privacy practices. If we make any material changes to this privacy notice, we will notify all of our Members (and former Members or non-Members, if affected by the change) and provide you with the opportunity to opt-out of having your information handled in accordance with the new policy.

We may make minor or required regulation changes to this notice by posting the revised policy. We encourage you to review this privacy policy from time to time to review any changes in our information handling practices.

FOR USERS OUTSIDE OF THE UNITED STATES:

The CC Credit Solutions website is exclusively hosted in the United States. If you are a user accessing the website from the European Union, Australia, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure, that differ from United States laws, please note that you are transferring your personal data to the United States which does not have the same data protection laws as such other regions. User information (including Personal Information or “personal data” as defined by foreign laws) collected through the website may be stored and processed in the United States, and by using the website, you consent to any such transfer of information outside of your home country. You are also consenting to the application of United States laws in all matters concerning the website and use of any services offered from or through the website.

LEGAL DISCLAIMER

The CC Credit Solutions website operates “AS-IS” and “AS-AVAILABLE,” without warranties of any other kind. We are not responsible for the events beyond our direct control.

CONTACT US

If you have any questions about this Privacy Policy, please contact us here.

INFORMATION STATEMENT ABOUT YOUR MEMBERSHIP

Account Registration

Your Membership includes the following products:

Smart Credit Report®

Scores and ScoreTracker

Credit Score:

Auto Score:

Insurance Score:

Hiring Risk Index:

ScoreBuilder®

ScoreMaster®

Alerts

$1MM Identity Fraud Insurance (if applicable)

PrivacyMaster® (if applicable)

Money Manager

Action Buttons*

What if I have Questions?

MEMBERSHIP OPTIONS AND PRICING

Membership Pricing

How does the Cancellation Policy work?

IMPORTANT CONSUMER NOTICES

INFORMATION STATEMENT ABOUT YOUR MEMBERSHIP

Account Registration

Your Membership includes the following products:

Smart Credit Report®

Scores and ScoreTracker

Credit Score:

Auto Score:

Insurance Score:

Hiring Risk Index:

ScoreBuilder®

ScoreMaster®

Alerts

$1MM Identity Fraud Insurance (if applicable)

PrivacyMaster® (if applicable)

Money Manager

Action Buttons*

What if I have Questions?

MEMBERSHIP OPTIONS AND PRICING

Membership Pricing

How does the Cancellation Policy work?

IMPORTANT CONSUMER NOTICES

Smart Credit Report^®

ScoreBuilder^®

ScoreMaster^®

PrivacyMaster^® (if applicable)

Smart Credit Report^®

ScoreBuilder^®

ScoreMaster^®

PrivacyMaster^® (if applicable)