Terms and Conditions

Joe's Credit Repair

The following disclaimer and terms of service apply to all Joe's Credit Repair users and customer and may be subject to changes and amendments without providing any advanced notice to users and or customers. By using our services you are agree to comply with these terms and condition.

a. To evaluate Customer’s current credit reports as listed with applicable credit reporting agencies and to identify inaccurate, erroneous or obsolete information.

To advise Customer as to the necessary steps to be taken on the part of customer in conjunction with Joe's Credit Repair to dispute any inaccurate, erroneous, or obsolete information contained in the customer’s credit reports.

b. To prepare all necessary correspondence in dispute of inaccurate, erroneous, or obsolete information in customer’s credit reports.

c. Credit profile status, consulting, coaching and monitoring services are primarily conducted by email or phone during normal business hours (9:00:00 AM - 6:00:00 PM EST)
1. Customer agrees:
2. Joe's Credit Repair agrees:
You may cancel this transaction, without any penalty or obligation; within three (3) days from the date this contract is received by Joe's Credit Repair office. To cancel this transaction, mail, or deliver a signed letter stating to cancel any further actions on your account to: Joe's Credit Repair, Po Box 343992, Homestead, FL 33034 If you cancel during the allotted timeframe, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within 21 business days following receipt of your cancellation notice.

Any security interest arising out of the transaction will be cancelled.
Be it known that I, the undersigned, am the individual listed below and as such do hereby grant a Limited Power of Attorney to Joe's Credit Repair. Joe's Credit Repair, and any and all persons in their employment, shall have the necessary power and authority to
undertake and perform the following on my behalf.

I hereby give permission to Joe's Credit Repair to sign my name on all letters written on my behalf and or as agent for the only purpose of communicating with credit reporting agencies or creditors and to challenge and verify account information held by consumer credit reporting agencies or creditors.

a. To provide Joe's Credit Repair with a copy of all correspondences received from credit reporting agencies or creditors relating to credit report entries which are the subject to matter of this subscription by virtue of the credit report entries challenged by Joe's Credit Repair for verification of accuracy.

If you do not receive any correspondence within 60 days, please notify us immediately.
b. Not to contact credit reporting agencies (Experian, Equifax and Trans Union) for any reason.

Not to apply for any type of credit, i.e., credit card car loans, or secured financing, during the period of this agreement without 7 day prior written notification to Joe's Credit Repair, Po Box 343992, Homestead, FL 33034 and an opportunity on the part of Joe's Credit Repair to consult with customer with regard thereto.

c. To provide to Joe's Credit Repair, within 14-days of receipt thereof, all correspondence received from credit reporting agencies by customer.

d. Customer understands that the results obtained by Joe's Credit Repair on behalf of Customer are dependent on numerous factors, including but not limited to Customer’s ability to repay debts and loans, cooperation of Customer’s creditors, and credit reporting agencies ability to verify information provided to them by Joe's Credit Repair on behalf of customer.

e. Customer understands that accurate information may not be removed unless it is listed beyond a lawful time period.

f. Joe's Credit Repair, corporation, investors, owners or employees are not responsible or liable for any damage cause by our services or natural disaster, you the "CUSTOMER" "USER" will be the only person responsible and liable for any sue or damage cause by our credit repair service, original creditors, creditors and collection agency as well.   

I have read and understand all of the above listed items and agree to comply with these terms and condition.