CREDIT REPAIR SERVICE AGREEMENT

This Agreement ("Agreement) is entered into as of the effective date below by and between Upscale Enterprises LLC, located at 502 W 7th St, Suite 100, Erie, PA 16502

Evaluation of Credit Reports: Upscale Enterprises LLC will evaluate Client’s credit reports from applicable credit reporting agencies (TransUnion, Experian, and Equifax) to identify any inaccurate, erroneous, false, or outdated information.

• Advisory Services: Upscale Enterprises LLC will advise Client on the steps necessary to dispute any inaccuracies.

• Dispute Preparation: Upscale Enterprises LLC will prepare customized dispute letters tailored to challenge negative items such as collections, late payments, bankruptcies, charge-offs, child support, medical bills, or any other negative items affecting Client’s credit.

• File Disputes Through Platforms: If necessary, Upscale Enterprises LLC will file disputes with consumer protection platforms such as the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB) to hold creditors and credit bureaus accountable.

• Consulting and Education: Upscale Enterprises LLC will provide Client with strategies to maintain good credit habits and achieve their financial goals.

• Collections

• Late Payments

• Bankruptcies

• Charge-Offs

Child Support

• Medical Bills

• Any other negative accounts that may impact your ability to obtain credit, auto loans,

mortgages, or other financial opportunities.

Our approach follows industry-proven methods and complies with federal regulations, including the Fair Credit Reporting Act (FCRA), to challenge inaccuracies, unverified accounts, and accounts that are reported beyond legal limits.

• Government-Issued Photo ID (e.g., driver’s license, passport)

• Social Security Card (or a document showing full Social Security number)

• Proof of Address (e.g., utility bill, lease agreement, bank statement)

• Signed and Notarized Identification Affidavit (authorizing us to dispute items on Client’s

behalf). This affidavit can be notarized through:

o Our partner, Blue Notary, for convenient online notarization.

o Your local bank, which may offer free notary services.

• Make, receive, sign, endorse, execute, acknowledge, deliver, and possess applications, correspondence, contracts, or agreements related to improving Client’s credit with the three credit reporting agencies (TransUnion, Experian, Equifax), as necessary.

• Perform all actions needed to repair Client’s credit as outlined in this Agreement.

• Right to Dispute: Client has the right to dispute inaccurate information in their credit report. Credit bureaus must remove accurate, negative information after 7 years, and bankruptcy information can remain for up to 10 years.

• Right to a Free Credit Report: Client can obtain a free credit report if they’ve been denied credit recently or if they are unemployed and intend to apply for employment in the next 60 days.

8. Acknowledgment of Receipt

By signing this Agreement, I, acknowledge my Consumer Credit File Rights. I confirm that I understand and agree to the terms outlined above.