Terms of Service

A. Credit Coaching

This Credit Coaching Contract between William D. Moore Consulting Inc.(hereinafter “WDM”) and the undersigned “Client” (refers to each Individual and in the case of a couple, each Individual is a Client) is for the purpose of purchasing credit educational documents (the “Coaching Program”) and certain defined services. The Coaching Program will assist you in understanding bankruptcy, guidelines and examples of draft letters for transmittal to creditors hardship letters pertaining to inability of making timely payment on the terms and conditions established by the credit, draft templates for responding to claims asserted by a collection agency or law firm retained by creditor for debt collection services, educational materials explaining the Fair Isaac Corporation (“FICO”), a behavioral model used by Lenders, Creditors, Employers, Insurance Companies, etc. in determining creditworthiness, educational materials for applying for residential mortgage for primary residence, educational documents for how to successfully re-establish credit after bankruptcy, a template budget worksheet with commentary to be used from the onset of this program to give you a benchmark for what is realistic and in determining your priorities as you create a foundation for future of handling of your income to fulfill your financial goals. Additionally, WDM will provide “Services” of reviewing your credit history, researching the data, preparing correspondence related to any discrepancies and sending to credit reporting agency to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information that appears on the credit history report. This is not a debt consolidation or bill payment program. Further, the educational materials and Services rendered pursuant to this Service Contract are not intended to be nor should they be construed to be a legal opinion or a substitute for a legal opinion with respect to any area of law, including but not limited to, bankruptcy. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. WDM agrees to use its best efforts to provide these Services, and will perform them in accordance with federal and state laws.

B. Fees and Costs.

The Client understands that there will be a fee for the Credit Report Analysis/Educational Materials of $497.00 per Individual of which such fee per Individual is non-refundable and is due and owing at the time this Contract is signed.  WDM will not commence any work prior to receiving a fully executed contract by each Individual, at least one half of the payment for each Individual Client (i.e., $275.00) per Individual, a copy of valid social security card and proof of actual address of residence in the form of utility bill or the equivalent thereof. Notwithstanding the foregoing, WDM offers a split-payment arrangement under which the first $275.00 is due upon signing of this Contract and the remainder is due within 14 days of the date of execution of the Contract. Any Client who takes advantage of the split-payment arrangement will also be charged an additional processing fee of $21.00 per Individual, which will be due and payable fourteen (14) days after the execution of the Contract. If WDM does not receive timely payment of the second and final installment of $275.00, the Client understands and agrees that WDM shall not be liable for any of the Services it committed to undertaking. The Client will be entitled to keep all educational materials given to Client at the time of execution of the Contract or via the educational information on the website, and further Client expressly waives any right to commence any type of legal or administrative action arising from Client’s failure to timely pay the second and final installment and there will be no refund.

C. Refund Policy.

Refunds are only applicable within 72 hours (three days) after signing of this contract and/or application (72 hour right of rescission). If after 72 hours, 

D. Non-fundable $497.00 Fee.

In accordance with paragraph A. Client understands that WDM provides a Coaching Service that teaches/instructs on how to analyze/audit the Client’s credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during the term of this Contract. WDM is committed to teaching/instructing on how to take action by correspondence on at least three (3) cycles (i.e., a “cycle” shall consist of three (3) challenges (30-45 dys each cycle) and responses thereto to and from the credit agencies to remove a discrepancy or discrepancies). 

E. Client Obligation.

The Client agrees to send via mail, email or fax, all credit reports and/or correspondence received from credit agencies to WDM within five (5) days or sooner after the date received. If the Client has not received any credit reports or correspondence from the credit agencies within sixty (60) days after the date of the initial credit report analysis/audit etc., the Client must notify WDM via phone conversation or writing.

F. Term of Contract.

The term of this Contract shall be for three (3) cycles as defined in Paragraph B above but in no event shall the term of this Contract extend beyond one (1) year of the date of execution. Prior thereto, Client may cancel this Contract at any time subject to the terms and conditions set forth herein.

G. Limited Power of Attorney.

By executing this Contract to obtain WDM, the Client grants WDM a limited power of attorney, by and through its authorized representatives, to: i) use any information provided by or on behalf of Client to obtain from credit agencies, creditors, collection agencies and other holders of records of Client’s credit reports, Client’s credit history or other creditor information for the Services to rendered herein; ii) obtain credit information over the telephone, fax, and or through the internet from record holders. WDM expressly acknowledges the sensitivity of any information provided by or on behalf of the Client in connection with WDM rendering the Services described herein. WDM will use its best efforts to ensure that all such Client information will be handled in a responsible and professional manner. The Client shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to WDM provided the Client understands that such action will likely impede WDM from any further performance of its Services to Client undertaken pursuant to this Contract. Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of New York. Client agrees that the Client’s limited power of attorney is valid throughout the United States only for the above-stated purposes. This Contract contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.

H. Hold Harmless and Indemnity.

The Client agrees to indemnify and hold WDM, their agents, attorneys, brokers and employees, harmless from all claims, losses, expenses, fees including attorney’s fees, costs, judgments that may be asserted against the Client that result from the acts of omissions.

CoachWilliamMoore.com

800 Hancock Street

Brooklyn, NY 11233

(646) 437-7165

wmoore@williamdmoore.com