Important. These documents are draft templates provided for transparency and are not legal advice. They are being finalized with a Florida-licensed attorney and the registration/bond details above are placeholders until confirmed. Ultra Credit Fix is a Credit Service Organization subject to the federal Credit Repair Organizations Act (CROA) and Florida law (Fla. Stat. ch. 817, Part IV).
Consumer Credit File Rights Under State and Federal Law
(Required CROA disclosure — given to you before any credit-repair contract.)
You have a right to obtain a copy of your credit report from a consumer reporting agency. You may be charged a reasonable fee, except in certain circumstances.
You have a right to dispute inaccurate or incomplete information in your credit file, free of charge — you do not need to pay a credit repair organization to do this.
You may obtain a free copy of your credit file from each of the three nationwide consumer reporting agencies (Equifax, Experian, TransUnion) once every 12 months at AnnualCreditReport.com (the only federally authorized source), by calling 1-877-322-8228, or by mail.
You have a right to a free copy of your credit file when a company takes adverse action against you (e.g., denies credit), if you request it within 60 days of the notice.
You have a right to place a security freeze and fraud/active-duty alerts on your credit report, free of charge.
What a credit repair company can and cannot do
- No one can have accurate, current, and verifiable negative information removed before the legally allowed time — generally 7 years (10 years for Chapter 7 bankruptcy). There is no legal way to remove accurate information early.
- A credit repair organization cannot charge or accept any money before the service is fully performed (15 U.S.C. § 1679b(b)).
- It cannot make false or misleading claims, or advise you to make false statements.
- It cannot help you create a "new credit identity" (e.g., using an EIN or a so-called "Credit Privacy Number" (CPN) instead of your SSN). This is illegal.
You can do this yourself, for free
Review your reports at AnnualCreditReport.com; dispute inaccurate items in writing with each bureau and the furnisher; add a 100-word statement to your file if needed; and ask the bureaus to send corrected reports to recent recipients.
- Annual Credit Report Service: AnnualCreditReport.com · 1-877-322-8228
- Equifax · 1-800-685-1111 · Experian · 1-888-397-3742 · TransUnion · 1-800-916-8800
- Federal Trade Commission: ftc.gov · 1-877-382-4357
- Florida Dept. of Agriculture & Consumer Services (FDACS): fdacs.gov
Your right to cancel. You may cancel your agreement and receive a full refund within three (3) business days of signing. See the Notice of Cancellation in the Credit Repair Agreement.
Credit Repair Services Agreement (template)
This is a template of the written contract provided to clients. It complies with CROA (15 U.S.C. § 1679c) and the Florida Credit Service Organizations Act (Fla. Stat. §§ 817.7004–817.7006). Bracketed items are confirmed per client.
Parties
Provider: Ultra Credit Fix [LLC — a Florida limited liability
company], 1234 Brickell Ave, Suite 400, Miami, FL 33131. FDACS Registration
No.: [____] · Surety Bond: [issuer / no. / $10,000].
Client: [Client name, address, DOB].
1. Registration statement (Fla. Stat. § 817.7003–817.7004)
Ultra Credit Fix is registered as a Credit Service Organization with the Florida Department
of Agriculture and Consumer Services (FDACS). Registration No.: [____].
Registration is not an endorsement by FDACS or the Attorney General, and neither has
reviewed or approved Provider's methods or services.
2. Services
Provider will: obtain and review your consumer reports from the three bureaus; identify items you believe are inaccurate, incomplete, obsolete, or unverifiable; prepare and send dispute correspondence on your behalf consistent with the FCRA; track responses and re-dispute as appropriate; and provide periodic updates.
Provider cannot remove accurate, current, verifiable information before the time allowed by law, and makes no guarantee of any score increase or removal of any item.
3. Fees — no advance fees (CROA § 1679b(b))
You will not be charged any fee until the service for which it is charged has been
fully performed. Billing model: [per-resolved-item / monthly after each month's
work]; amount: $[____]. The first charge occurs only after
[the first billed service is complete].
4. Right to cancel (CROA § 1679c(b); Fla. Stat. § 817.7006)
You may cancel this agreement, without penalty, before midnight of the third (3rd) business day after signing, and receive a full refund. Send the signed Notice of Cancellation (below) or any written notice, postmarked/dated before that deadline.
5. Refunds after the 3-day period
See the Refund Policy. Fees earned for services actually performed are due; unearned amounts are refunded. No results are guaranteed.
6. Your obligations
Provide true, complete information; forward bureau/creditor mail to us; pay for services performed; and do not ask us to make false statements or pursue a "new credit identity."
7. Disclosure acknowledged
Client confirms receipt of the "Consumer Credit File Rights Under State and Federal Law" disclosure before signing.
8. Governing law; records
Governed by Florida and U.S. federal law (CROA, FCRA). Venue lies in
[Miami-Dade County, FL]. Records retained for at least 2 years
(CROA). Nothing waives your non-waivable rights under CROA/FCRA/Florida law.
Notice of cancellation
Deliver to: Ultra Credit Fix, 1234 Brickell Ave, Suite 400, Miami, FL 33131 · hello@ultracreditfix.com — before midnight of the 3rd business day.
Terms of Service
Effective: [date]. These Terms govern your use of
https://ultracreditfix.medicreditfix.com operated by Ultra Credit Fix.
1. Who we are
Ultra Credit Fix is a Credit Service Organization registered with FDACS
(Registration No. [____]; not an endorsement). This site is for
marketing/informational purposes only and is not legal, financial, or tax advice.
2. No guarantee of results
You cannot pay to remove accurate, current, verifiable negative information before the time allowed by law. We do not guarantee any score increase, removal of any item, or credit approval. Individual results vary.
3. CROA notice
- We do not charge before a service is fully performed.
- You may dispute inaccurate information yourself, for free.
- You may cancel within 3 business days for a full refund.
4. Eligibility & your account
You must be 18+ and able to contract. Provide true, accurate, complete information in any request (e.g., Free Credit Analysis) and keep it current.
5. Your conduct
You agree not to provide false information, not to ask us to make false statements, not to seek a "new credit identity," and not to misuse or disrupt the site.
6. Intellectual property
All site content — including the "Ultra Credit Fix" wordmark and green-triangle mark — is owned by or licensed to Ultra Credit Fix and may not be copied or reused without written consent.
7. Third-party links
We link to third parties (e.g., bureaus, government sites) we do not control. We are not affiliated with any consumer reporting agency or lender.
8. Disclaimers & limitation of liability
The site is provided "as is." To the maximum extent permitted by law, we disclaim all warranties and are not liable for indirect or consequential damages. Nothing limits your non-waivable rights under CROA, the FCRA, or Florida consumer-protection law.
9. Governing law
Florida and applicable U.S. federal law. See our Privacy Policy.
Privacy Policy
Effective: [date]. Ultra Credit Fix respects your privacy. This policy explains
what we collect, how we use it, and your choices.
1. Information we collect
- Identifiers & contact: name, address, email, phone, date of birth.
- Sensitive / financial: Social Security number and credit-report data needed for analysis and disputes; payment information (processed by our processor — we do not store full card numbers).
- Technical/usage: IP address, browser, pages visited, cookies.
2. How we use it
To provide credit-analysis and credit-repair services, communicate with you, prepare and send disputes, process payments for services performed, comply with legal obligations, and improve our services.
3. How we share it
Only as necessary to provide services or as required by law: with consumer reporting agencies/furnishers for disputes you authorize; with service providers (payment, hosting, email) under contract; and with authorities when required. We do not sell your personal information or share it for cross-context behavioral advertising.
4. Your rights
You may request access to, correction of, or deletion of your personal information, subject
to our legal retention obligations (e.g., CROA/Florida recordkeeping). To exercise these
rights, contact hello@ultracreditfix.com.
5. Data security
We use administrative, technical, and physical safeguards (access controls, TLS encryption, restricted access). In the event of a breach affecting personal information, we will notify affected individuals and authorities as required by the Florida Information Protection Act (FIPA), Fla. Stat. § 501.171 and other applicable law.
6. Retention & children
We retain information only as long as needed to provide services and meet legal obligations (contracts/disclosures for at least 2 years). Our services are not for anyone under 18, and we do not knowingly collect data from children.
Refund & Money-Back Policy
Effective: [date].
1. No advance fees (CROA)
We do not charge for any service before it is fully performed.
2. 3-day right to cancel — full refund
Cancel within three (3) business days of signing and receive a full refund, no penalty. See the Notice of Cancellation in the Agreement.
3. Money-back guarantee
If, during your active service term, we perform the agreed dispute services and fail
to remove or correct any of the inaccurate, incomplete, or unverifiable items we agreed to
dispute, you may request a refund of the fees paid for the work on those items.
Results are not guaranteed — no one can guarantee removal of any item, and we
cannot remove accurate information before the time allowed by law. Requests must be submitted in
writing within [____] days of the end of your service term.
4. Refunds outside the guarantee
If we fail to perform a service we charged for, you may request a refund for that service. Fees for services actually and properly performed are not refunded, even if a dispute did not result in removal, because outcomes depend on factors outside our control.
5. Processing
Approved refunds return to the original payment method within [____] business
days. Nothing here waives your rights under CROA, the FCRA, or Florida law.
Contact
Ultra Credit Fix [LLC]
[____]Questions about these documents? Email hello@ultracreditfix.com.