Credit Improvement and Financial Consulting Services
Effective Date: August 3rd, 2025
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly at no cost. 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.
Service Provider:
Brand Metrics LLC (dba ScoreWise™)
2201 Menaul Blvd NE, Suite A
Albuquerque, NM 87107
Phone: (888) 762-6691
Email: support@scorewise.app
Client: The individual or entity entering into this agreement for credit improvement services
| Service | Description | When Billed |
|---|---|---|
| Advanced Dispute Management | Professional handling of complex disputes with credit bureaus and creditors | After dispute letters are sent |
| Credit Monitoring Integration | Setup and management of 3-bureau credit monitoring | After enrollment confirmed |
| Personalized Consulting | One-on-one credit strategy sessions | After each session completed |
| Debt Validation Assistance | Help with debt validation letters and processes | After letters are prepared |
| Goodwill Negotiations | Assistance with goodwill letters to creditors | After negotiations attempted |
IMPORTANT: In compliance with the Credit Repair Organizations Act, we will NEVER charge you any fees before services are completed.
Credit monitoring and identity protection services are billed directly by third-party providers. We receive no compensation for these referrals.
You may cancel this contract without any penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract.
To cancel this contract:
You also have the right to cancel at ANY TIME after the 3-day period. Any fees paid for services not yet performed will be refunded within 10 business days.
NO GUARANTEE OF RESULTS: While we work diligently on your behalf, we cannot guarantee specific outcomes. Credit improvement depends on your individual situation and the accuracy of information on your credit reports.
This Agreement is governed by federal law (including the Credit Repair Organizations Act) and the laws of New Mexico, without regard to conflict of law principles.
This Agreement, along with our Terms of Use and Privacy Policy, constitutes the entire agreement between you and ScoreWise. Any modifications must be in writing and signed by both parties.
By signing below, I acknowledge that:
Client Information:
Print Name: _____________________________________
Signature: _______________________________________ Date: ______________
Email: __________________________________________
Phone: __________________________________________
ScoreWise Representative:
Name: ___________________________________________ Date: ______________
You may use this form to cancel your contract:
To: Brand Metrics LLC / ScoreWise
Date: _____________________
I hereby cancel my contract for credit repair services.
Client Signature: _________________________________
Mail to: Brand Metrics LLC, 2201 Menaul Blvd NE, Suite A Albuquerque, NM 87107
© 2025 ScoreWise™ - Brand Metrics LLC. All rights reserved.
This agreement complies with the Credit Repair Organizations Act (15 U.S.C. §§ 1679-1679j)
