RIGHT TO REVIEW YOUR FILE

The Federal Fair Credit Reporting Act gives you the right to know what your credit file contains, and the consumer reporting agency must provide someone to help you interpret the data. The New York Fair Credit Reporting Act gives you the right to receive an actual copy of your credit report. You will be required to identify yourself to the consumer reporting agency and you may be charged a small fee. There is no fee, however, if you have been turned down for credit, employment, or insurance because of information contained in a report within the preceding thirty days.

INCORRECT INFORMATION

Consumer reporting agencies are required to follow reasonable procedures to ensure that subscribing creditors report information accurately. However, mistakes may occur.

When you notify the consumer reporting agency in writing that you dispute the accuracy of information, it must reinvestigate and modify or remove inaccurate data. The consumer reporting agency may not charge any fee for this service. Any pertinent data you have concerning an error should be given to the consumer reporting agency.

If reinvestigation does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inaccurate.

The consumer reporting agency must include your statement about disputed data -- or a coded version of it -- with any reports it issues about you. New York law also provides that, at your request, the consumer reporting agency must notify any person who has received a report in the previous year that an error existed and furnish such person with the corrected information.

TIME LIMITS ON ADVERSE DATA

Most kinds of information in your file may be reported for a period of seven years. If you have declared personal bankruptcy, however, that fact may be reported for ten years. After seven years or ten years, the information can't be disclosed by a credit reporting agency unless you are being investigated for a credit application of $50,000 or more, for an application to purchase life insurance of $50,000 or more, or for employment at an annual salary of $25,000 or more. You have a right to cancel the contract with the credit services organization for any reason before midnight on the 3RD working day after you signed it. If for any reason you cancel the contract during this time, you do not owe any money. You have a right to sue a credit services organization if it misleads you.

The CrediZen (hereinafter, collectively referred to as "Provider", “We”, “Us”, “Our”) requires all Clients (hereinafter referred to as "client", "clients", "customer," "customers," "you" or "your", "his" or "hers") to sign the "Description of Service" that states a complete and detailed description of the services that we will perform for you and the total cost of the services. By signing this form, you are agreeing to the terms and conditions of service set forth in this Agreement and to the terms and conditions of payment. It is Provider’s intention to service you for the entire term of this Agreement. However, should you cease payment under the terms of this Agreement, we will cease service immediately until payment can be rendered. Provider also reserves the right to collect any monies not yet paid under the terms of this Agreement that it may be entitled to, which might include (but is not limited to) rendering the service of a third-party collection agency and/or attorney. You agree that any remaining payments that Provider may be entitled to, including any late fees, collection fees, and/or additional administrative fees, as permitted by law, will be applied in accordance with this Agreement regardless of your default.

Provider strictly adheres to a zero-advanced pay policy where no payment is charged to the Customer until the described work in signed service agreement is completed and/or cancellation has been made after the cancellation grace period has passed. Customer understands and agrees to pay to Provider the total amount indicated for each service plan described in Agreement for services completed before a Notice of Cancellation was submitted by either party. No refund is available for payments completed for work performed. Provider will begin the performance of the services described within seven (7) working days from when Agreement is signed by Customer. Description of Services are as followed:

1. All service plans operate on a month-to-month basis and have a stated term of 6 months; however, you may cancel at any time without penalty or incurring further monthly service fees after cancellation. Each service plan is billed only after services for that month have been fully performed.
2. Upon successful completion of the onboarding process, Customer will submit payment for an onboarding fee of $50. No deliverables associated with any additional service plan will begin until this onboarding service has been fully completed and the onboarding fee has been paid.
3. If Customer subscribes to the New Beginnings Service Plan, $115 is charged to Customer after work is completed for that month. There may be a total payment of $690 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $870.
4. If Customer subscribes to the Accelerated Service Plan, $170 is charged to Customer after work is completed for that month. There may be a total payment of $1,020 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $1,200.
5. If Customer subscribes to the Hard Inquiry Service Plan, $90 is charged to Customer after work is completed for that month. There may be a total payment of $540 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $720.

Each of the said services listed above, whether collectively OR individually, shall comprise of and define the term "Services Rendered" and thus, all service fees shall be deemed due and fully collectible and will be billed/charged accordingly, AFTER such service(s) have been rendered.

IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES.

It is agreed that this Description of Service has been fully read, acknowledged, and understood prior to the execution of any Contractual Agreement or Duties between the parties hereto.

The CrediZen makes no other warranties aside from the warranties expressly written within this disclosure. No oral agreement or other agreement shall override this Agreement unless received in writing from an authorized representative of Provider.

I, the CONSUMER, fully understand my responsibility to this program and agree to the above terms, as well as acknowledging that all of my questions have been answered. I further acknowledge and agree to the total costs of these services and am aware that nonprofit budget and debt counseling services exist.

ACCORDING TO THE CREDIT COUNSELING AGENCIES APPROVED PURSUANT TO 11 U.S.C. § 111, The CrediZen MUST DISCLOSE THAT IT IS NOT AN APPROVED NON-PROFIT CREDIT COUNSELOR IN THE NEW YORK REGISTRY. The CrediZen IS A FOR-PROFIT CREDIT COUNSELING AGENCY.

NOTICE TO CUSTOMER: DO NOT SIGN THIS STATEMENT BEFORE YOU READ IT. YOU ARE ENTITLED TO A COPY OF THIS STATEMENT.

Acknowledgement receipt of this statement,

CUSTOMER

Authorized Signature Date

Print Name

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within 3 working days from the date the contract is signed.

If you cancel, any advanced payment made by you under this contract must be returned within 10 working days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to

The CrediZen
418 Broadway STE N
Albany, NY 12207

or emailed to help@thecredizen.com no later than midnight, December 24, 2025.

I hereby cancel this transaction.

CUSTOMER

Authorized Signature Date

Print Name

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within 3 working days from the date the contract is signed.

If you cancel, any advanced payment made by you under this contract must be returned within 10 working days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to

The CrediZen
418 Broadway STE N
Albany, NY 12207

or emailed to help@thecredizen.com no later than midnight, December 24, 2025.

I hereby cancel this transaction.

 

CUSTOMER

---

Authorized Signature Date

 

---

Print Name

 

NOTICE: Above are copies of the Notice of Cancellations for you to print out and mail to us if you intend to cancel this service in the future. You may proceed below and sign if you agree to the terms of this Service Agreement.

 

CUSTOMER

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Document name: Information Statement

Unique Document ID: 2f4010dc5e9f003c4099f5255dfa0ef71233f684

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Timestamp	Audit
January 5, 2024 3:35 pm GMT	Information Statement Uploaded by Eden Lutchmedial - help@thecredizen.com IP 45.26.146.26
January 5, 2024 3:35 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 112.206.76.142
January 5, 2024 3:35 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 112.206.76.142
February 26, 2024 7:05 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 222.127.63.75
February 26, 2024 7:05 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 222.127.63.75
April 4, 2024 5:24 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 119.94.160.254
April 4, 2024 5:24 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 119.94.160.254
February 10, 2025 3:12 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 136.158.101.65
February 10, 2025 3:12 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 136.158.101.65
December 2, 2025 9:05 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 49.151.171.124
December 2, 2025 9:05 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 49.151.171.124
December 4, 2025 6:49 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 136.158.63.138
December 4, 2025 6:49 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 136.158.63.138
December 5, 2025 8:28 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26
December 5, 2025 8:28 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26
December 5, 2025 9:50 pm GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26
December 5, 2025 9:50 pm GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26
December 6, 2025 12:37 am GMT	Disclosure Notification - disclosure@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26
December 6, 2025 12:37 am GMT	CM Team Consultants - cmteamconsultants@creditmanager.io added by Eden Lutchmedial - help@thecredizen.com as a CC'd Recipient Ip: 45.26.146.26

This audit trail report provides a detailed record of the online activity and events recorded for this document.

https://thecredizen.com/

Audit Trail Serial# 57ebf9d2715097204b376307a453ea3c