Step 1 – Sign Up For A Smart Credit Service Plan

In the form below you will need to provide your username and password for credit monitoring services from SmartCredit – go to www.fixbadcredit.co. The www.fixbadcredit.co Service Plan at $19.95 monthly is Mandatory and a minimum of 3 months on the SmartCredit is required to monitor your account.

Step 2- Fill Out The Service Agreement

This agreement between SOJ Financial Services. (“SOJ Financial Services,” “We,” “Our,” “Ours,” or “Us”) and

is a legally binding agreement (the “Agreement”). SOJ Financial Services document preparation services to assist its clients who may be victims of identity theft and desire to protect their credit file from identity theft and possibly fraud by facilitating removal of items customers claim are inaccurate, outdated, and possibly fraudulent information contained on their credit reports. For our efforts to be effective, you must be truthful and diligent in giving complete and accurate information to us. SOJ Financial Services reserves the right to cancel this Agreement if we believe that you provided or may provide false or fraudulent information to us, your creditors or the credit bureaus.

In the form below you will need to provide your username and password for credit monitoring services from SSOJ Financial Services go to https://www.fixbadcredit.co/. The https://www.fixbadcredit.co/ Service Plan at $19.95 monthly is Mandatory and a minimum of 3 months on the SOJ Financial Services is required to monitor your account.

Please note that we do not provide legal advice. We recommend that you consult your attorney and/or thoroughly read the Fair Credit Reporting Act or the Bill of Rights before you seek advice from us. SOJ Financial Services accepts no liability, nor responsibility for any damage or loss caused by your use or misuse of the information provided in connection with our service.

Disclaimer: We are not a credit repair agency. We prepare documents to remove erroneous items as described from consumers that believe that they may have fallen victim to identity theft. By signing this Agreement, you acknowledge that there are inconsistencies, errors and items on your consumer credit reports that are unknown to you and permission was never requested or given to have your personal information provided to the public, sold for profit or not protected in what you feel is a proper way.

• An evaluation of your claim that your current credit reports contain possible identity theft items that are inaccurate, erroneous, false, possibly fraudulent, or obsolete information being reported by credit reporting agencies such as Experian, Equifax and Transunion; and
• Preparation of all necessary documents in facilitating removal of inaccurate, erroneous, false, mis-reported, fraudulent or obsolete information in your credit reports that may have derived from Identity Theft that can impact you; and
• Placing a temporary fraud alert on your credit file to prevent any and all unauthorized use of your identity to obtain credit fraudulently; and
• Services are considered completed when potential fraud or identity theft related items, have been deleted from your credit report.

Your Responsibility: Complete and sign this SOJ Financial Services Agreement and Attachment 1. In the form below you will need to provide your username and password for credit monitoring services from SOJ Financial Services – go to www.fixbadcredit.co. The www.fixbadcredit.co Service Plan at $19.95 monthly is Mandatory and a minimum of 3 months on the SOJ Financial Services is required to monitor your account.

Scan and upload a photo of your current, valid state Drivers’ License or a Government Issued Photo ID.

A photo of a recent utility bill or bank statement showing your name and current residence address – must be less than 60 days old.

Term – The term of this Agreement is three (3) months from its execution and all services must be performed during that period. The Agreement may be extended for an additional three (3) month period by an amendment to this Agreement.

Guarantee – Although we cannot guarantee by law a certain outcome, we prepare documents conforming to Federal Law, certain state Privacy Laws, and the Fair Credit Reporting Act. We will prepare documents to assist you to accurately report to the credit bureaus and place a fraud alert on your file to assist in protecting you against future data breaches and attempts to use your identity in a fraudulent manner.

Governing Law – Although we cannot guarantee by law a certain outcome, we prepare documents conforming to Federal Law, certain state Privacy Laws, and the Fair Credit Reporting Act. We will prepare documents to assist you to accurately report to the credit bureaus and place a fraud alert on your file to assist in protecting you against future data breaches and attempts to use your identity in a fraudulent manner.

Entire Agreement – This Agreement, including any attachments to the Agreement, sets forth the entire Agreement regarding the subject matter of the Agreement, and supersedes and terminates all prior agreements and understandings between You and SOJ Financial Services. No subsequent alteration, amendment, change or addition to this Agreement will be binding upon You and Us unless reduced to writing and signed by You and Us.

Non-Profit Credit Counseling Services – You have the right to hire a non-profit credit counseling service.

Customer Responsibilities and Communications – You agree to assist us in answering certain security questions regarding your identity and credit history as may be necessary to obtain your credit reports.

Staffing– SOJ Financial Services may assign clerical staff, or others to perform work on your case. You agree services in connection with our representation of you may be performed by any associate of SOJ Financial Services.

You may revoke your Limited Power of Attorney by filling out and signing the Revocation of Limited Power of Attorney form attached to this Agreement as Attachment 2.

Your Right to Cancel Agreement – You may cancel this contract without penalty or obligation at any time before midnight of the third day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right (Attachment 3).

By signing this Agreement, you agree to its conditions, agree to be truthful, and you understand that no promises have been made by SOJ Financial Services to you outside of this Agreement.

Step 3 – Fill Out The Limited Power of Attorney Form

Limited Power of Attorney Disclosure:

needs permission from you, to communicate with credit bureaus, creditors, data furnishers and others, in your name and on your behalf, including writing, signing and transmitting letters and electronic documents in your name. This is a Limited Power of Attorney, granting permission to SOJ Financial Services to do this. It authorizes and directs SOJ Financial Services to act as your disclosed and undisclosed agent when performing the Services, you have retained SOJ Financial Services to provide. You may cancel your authorization and this Limited Power of Attorney at any time by sending SOJ Financial Services Revocation of Limited Power of Attorney stating that you retract your authorization. Without this written authorization and Limited Power of Attorney, SOJ Financial Services is unable to represent you, therefore canceling this authorization will close your case. Please print a copy of the Agreement and this Limited Power of Attorney for Your records.

hereby grant a Limited Power of Attorney to SOJ Financial Services and all persons in their employ, as my agent, to have the necessary power and authority to undertake and perform the following in my behalf:

• I hereby give permission to SOJ Financial Services to sign all documents written on my behalf, as my duly appointed proxy, for the purpose of disputing inaccurate, erroneous, fraudulent, derogatory and obsolete credit information held on my credit report by consumer credit reporting agencies.
• I appoint SOJ Financial Services as my agent to act in my behalf, as set forth in the following matters only; signing of correspondences addressed to credit bureaus, creditors and data furnishers, obtaining credit information over the telephone, fax, and/or through written correspondence from credit bureaus, creditors, data furnishers and/or collection agencies.
• I have given Limited Power of Attorney to act on my behalf with government agencies in an effort to prepare and submit the needed documentation and granted by law to have immediate action taken by the credit bureaus regarding derogatory items on my credit report and possible fraud or identity theft.
• I understand that I have the right to revoke or terminate this Limited Power of Attorney at any time with a written Revocation of Limited Power of Attorney to SOJ Financial Services.
• According to the Consumer Credit File Rights, Under State and Federal Law, I have been made aware of the fact that I could attempt to challenge items specified above myself.

This “Limited Power of Attorney” is given to SOJ Financial Services in compliance with Section 611 of the Federal Fair Credit Reporting Act (FCRA).