June 19, 2024

Agreement Prepared for:

A3 Consultation does not charge for credit repair services until work has been completed per enrolled account.  The investigation process typically requires between two and four letter rounds per enrolled account to determine if it is valid, accurate, legal, or unfair.  You are requesting and authorizing investigations into your information you believe to be inaccurate, outdated, or unfair.  You are responsible to notify us if any accounts are accurate and should not be investigated.  If accounts are determined to be accurate during your program, investigations for those accounts will stop and other solutions will be provided.   

Credit Repair Services:

The following services are included in your credit repair program and may be provided at various times throughout:

  1. Set up secure Client Tracking Portal for account status updates, information, and document storage.
  2. For the accounts you believe are inaccurate and have authorized investigations, we will prepare, and mail investigation letters every 30 to 35-days with up to three (3) letters per mailing round. All letters are mailed via USPS first class mail unless certified mail upgrade service is elected.
  3. Investigation letters will be sent to the credit bureaus, creditors, and collectors reporting information to your credit reports, as needed.
  4. Submit a security freeze to LexisNexis.
  5. Review the responses and correspondence documents you send to us to update your accounts. Sending us your correspondence as received will cut your program time by 50% or more.  
  6. Provide update credit summary, recommendations, and credit strategy at each letter round.
  7. Provide scheduled phone consultations to discuss questions you may have about your program and services.
  8. File complaints on your behalf to regulatory agencies, if needed and requested.
  9. Provide credit education you can use during the credit score improvement process and beyond.
  10. Educate you on the credit restoration process.
  11. Keep your client tracking portal updated with your program progress.
  12. Provide coaching and guidance to address debt accounts deemed valid and accurate.
  13. Provide coaching and guidance to address defaulted student loan accounts deemed valid and accurate.

Fees and Terms of Service:

Our credit repair services are not charged until after the investigation has been completed per enrolled account based on earned and proven performance.  However, you are responsible to pay the service expenses required to provide service.  To continue to receive credit repair services you must pay your vendor expense and performance fees when due. 

Service Expense Fee: $89.99 per month.  The service expense fee covers the cost of your credit reports and scores, FDCPA/FCRA violation protections, and printing and postage.  A3 Consultation may receive a small referral fee from some vendors.  If you do not pay the service expense fee, your access to your credit reports, FDCPA/FCRA violation protections, and credit repair services will be suspended.  After your credit repair program is completed, you have the option to keep your credit report subscription and other membership benefits that maybe available. 

Performance and Results Incentive Fee: $20.00 per account, per bureau for each tradeline account, social security number, date of birth, inquiry, or public record corrected or deleted.  The fee is charged per enrolled account based on proven performance using a correction/deletion notice from the reporting company, comparing the enrollment credit report to a current credit report, legal document, settlement agreement, or other official correspondence. 

Defaulted Debt Account or Student Loan Phone Assistance Fee:  CGC provides free coaching and guidance to help clients resolve any tradeline or student loan accounts in default.  If client would like CGC staff to join phone calls to provide a higher level of assistance, a flat fee of $75.00 per account/creditor will be charged.  Client must still join and participate on the calls, which usually takes between two to four calls per account/creditor. Client is responsible for any payments to creditors or collectors.   


You agree that Company may act as your non-exclusive agent and attorney in fact, on your behalf, for the limited purposes of:

  • Requesting and receiving your consumer credit disclosures and credit reports.
  • Disputing, at your direction, inaccurate or incomplete information on such disclosures and reports.
  • Receiving results from such inquiries and communicating them to you.
  • Discussing your case with your designated parties, creditors, collectors, or others that maybe required to complete your services.
  • Investigating and/or verifying information provided to the Bureaus and Furnishers.
  • Mailing letters on your behalf and in your name.

You authorize the Bureaus and Furnishers to communicate with A3 Consultation and provide disclosures and other documentation to Company on your behalf.  You further agree that you will not knowingly dispute accurate information on your credit report or disclosures.

Duration of Service:

A3 Consultation begins your program as soon as you complete your credit report registration, select your accounts you want investigated, and authorize your investigation letters.  The time to complete your program depends on the number of accounts and information you want investigated.  Each item typically requires between two to four letter rounds to determine if it is accurate, valid, and legal.  Up to three letters are mailed per mailing round every 30 to 35-days, so A3 Consultation may not be able to work on all accounts simultaneously. 

You can cut the investigation time needed by sending in the responses and correspondence you receive, as received.  The other variables that may impact your program time, the information provided by the reporting companies, whether new accounts or information begins to report, the funds you have available to pay for accounts deemed valid and accurate or pay down balances that are too high and affecting our credit scores.  

You can cancel your program at any time with notice.  If your payment is not made when due, your services and vendor services will be suspended.  If payment or payment arrangements are not received within a reasonable time, your program will be canceled. 

No Guarantee:

There are many variables that we cannot control and can affect your program outcome.   For that reason, we do not provide a guarantee.  No company can legally promise a certain outcome or credit score increase.  We use our best efforts and extensive knowledge to ensure that the information you believe to be incorrect, questionable, or unfair is modified, or removed from your credit reports to help you meet your credit goals.


You may cancel your contract at any point with thirty-day notice.  Kindly contact us if you would like to cancel and we will arrange to have your account closed.   There are not any refunds or prorated fees.  You are responsible for program fees until you complete your program or close your account.


Depending on the program, client must provide and complete certain tasks for us to provide service.  We will provide notice to you for items you need to complete.  Ongoing, you should send any correspondence you receive that is related to your credit, debt, or other programs.  You can shorten your program time by up to 50% or more, if you send the correspondence you receive, as received.  If your mailing address or contact information changes, provide the new information immediately. 

Limited Liability: 

A3 Consultation is not liable for any increased collection activity or legal actions due to your direct or indirect use of A3 Consultation service.

Arbitration Clause: 

Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.

Complaint Procedures:

A3 Consultation is committed to promoting customer satisfaction by encouraging feedback from customers, including complaints. We're committed to resolving complaints fairly, effectively, and efficiently. Please submit all complaints directly to A3 Consultation

Digital Signatures and Communications, and Other Requirements: 

Client agrees to receive communications by email, portal message, phone, text, private messaging via social media platforms, pre-recorded messages, and other methods that may be needed.  Client agrees to sign any document that is presented to them via the internet and requires a digital signature or other requirements, such as notary public. The client can at any time withdraw his or her digital signature.

Privacy Policy:

Any personal identifiable information you submit to us will remain private and will not be shared with third-party companies, except in the instances that the information must be shared to provide services.

Categories of Information:

Information about you can be categorized as (a) personally identifiable information, or (b) non-personally identifiable information. “Personally identifiable information” is information that we collect from you, such as your name, postal address, telephone number, fax number, and email address. “Non- personally identifiable information” is information that we collect from you that does not include your name or any information that would allow us to contact you.

How We Use and Disclose Information?

Some of the ways in which we use your personally identifiable information may include using it to prepare disputes, to provide you with information that you may request, and to customize your credit repair experience. It is important for you to understand that we may use processors to handle our disputes. We generally require the processor not disclose personally identifiable information or use it other than as necessary to perform their services.

Because we care about your privacy, we will not give your personally identifiable information to other marketers or retailers for them to use to contact you about offers or promotions of their own unless you authorize it or opt-in (other than, of course, in connection with the sale of our business).

As a responsible company, we believe obeying the law is important. Therefore, we may disclose personally identifiable information to comply with a subpoena or court order, or when we are required to do so by law. We may also disclose personally identifiable information in cooperation with a law enforcement or government request. It is important for you to understand that the above policies and restrictions do not apply to our use or disclosure of your non-personally identifiable information. We may freely use and disclose non-personally identifiable information for many purposes and on many occasions.

How We Collect Information:

We collect personally identifiable information from you by “active” means. In other words, you actively give us the information through the sign-up process or by opt-in.

Acceptance of Privacy Policy Terms:

By signing this agreement, you indicate your acknowledgment of this Privacy Policy. If you do not agree with this Privacy Policy, then do not sign this agreement.

Governing Law and Jurisdiction:

If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of the State of Michigan, without regard to principles of conflicts of laws.


A client is free to cancel this contract within five (5) days of signing the contract without incurring any penalty. Any payment made by the client prior to the initial contract signature cancelation period will be returned within 15 days of contract cancelation.  Monthly fees are not refundable.

To cancel, send a dated and signed notice to A3 Consultation at 4485 Plainfield Ave NE, STE 102, Grand Rapids, MI 49525 if you wish to cancel the contract.

SEC.405 Disclosure of 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 seven years old. Bankruptcy information can be reported for ten 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, or insurance. You can 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 investigate 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 investigation 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.

Entire Agreement: 

This Contract is the entire agreement between you and and supersedes all other agreements, whether made verbally or in writing.

You authorize A3 Consultation, through our processor, SafePayz, to charge payments to your designated account per the contract terms.

Do not sign this contract until you have received and read the information statements and notices of cancelation required by state and federal law, even if otherwise advised. By signing this contract, you acknowledge receipt of these disclosures prior to the time of signing and agree to the terms of this contract. You, the buyer may cancel this contract at any time before midnight of the 5th day after the date of the transaction. If any payment is collected during that time, you will be refunded 100% of any funds collected. See cancellation form to exercise.  See the Right to Cancel section for an explanation of this right.


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Signature Certificate
Document name: A3 Business Consulting
lock iconUnique Document ID: 81021fcfdf13cf239d3d82ffd25d0933ec30ffc6
Timestamp Audit
November 28, 2023 6:09 pm EDTA3 Business Consulting Uploaded by Jahirul Haque Onik - jahirul.haque@sjinnovation.com IP
November 28, 2023 6:26 pm EDTJahirul Haque - jahirul.haque@sjinnovation.com added by Jahirul Haque Onik - jahirul.haque@sjinnovation.com as a CC'd Recipient Ip:
November 28, 2023 6:26 pm EDTKevan Stahl - Kstahl@thedisputecenter.com added by Jahirul Haque Onik - jahirul.haque@sjinnovation.com as a CC'd Recipient Ip: