Boss Up Wealth Circle
Boss Up Wealth Circle

Credit Monitoring & Credit Repair
Services Agreement

Client Enrollment Contract
CompanyBoss Up Wealth Circle
Operated by The AJ Collective
support@a-j-collective.com
ClientJarvell D. Hardy
10301 William Oaks, Riverview, FL 33569
SSN on file: xxx-xx-7344

Effective Date: November 11, 2026  |  Report source: MyFreeScoreNow tri-bureau report dated 11/11/2026

1. Purpose and Enrollment

This Agreement confirms that the Client is enrolled in the Boss Up Wealth Circle Credit Monitoring and Credit Repair Program (the "Program"), effective on the Effective Date above. Under the Program the Company will review the Client's Equifax, Experian and TransUnion credit reports, monitor them for changes, and prepare and submit disputes, on the Client's behalf and at the Client's direction, concerning information that is inaccurate, incomplete, outdated or unverifiable.

2. Accounts Enrolled in the Program (Schedule A)

The accounts below were identified on the Client's tri-bureau credit report dated 11/11/2026 and are enrolled in the Program. Account numbers are masked as they appear on the report.

#Creditor / ReporterAccount No.TypeBalanceStatus on ReportBureausProgram Action
1JPMCB CARD SERVICESxxxxxxxx 8319Credit card (charge-off / collection)$20,997Closed. Reported charged offEQ, TU (EX lists same account as JPMCB CARD, 120+ days past due)Dispute / verification review
2CREDIT COLLECTION SE (orig. creditor: Safeco Ins.)xxxxxx 83Collection (insurance)$533Open collection, opened 01/2026EX, TUDispute / debt validation review
3CREDIT ONE BANKxxxxxxxxxxxx 2007 / xxxxxxxx 0320Credit card$2,044 of $2,200 limit (93% utilization)Open, currentEQ, EX, TUMonitoring and utilization guidance
4SUNCOAST CREDIT UNIONxxxxxxx 0101Automobile loan$29,268Open, currentEQ, EX, TUMonitoring (positive tradeline)
5SUNCOAST CREDIT UNION (prior loan)xxxxxxx 0100Automobile loan$0Closed, paid as agreedEQ, EX, TUMonitoring (positive tradeline)
6SPACE COAST CUxxxxxxxxx 6570Automobile loan$0Closed, paid as agreedEQ, EX, TUMonitoring (positive tradeline)
7CARMAX AUTO FINANCExxxxxx 99Automobile loan$0Closed, paid as agreedEQ, EX, TUMonitoring (positive tradeline)
8VYSTAR CREDIT UNIONxxxxxxxx 8750Automobile loan$0Closed, paid as agreedEQ, EX, TUMonitoring (positive tradeline)
9WELLS FARGO CARD SERxxxxxxxxxxxx 5043Charge account$0Closed at consumer's request, paidEQ, EX, TUMonitoring (positive tradeline)

Hard inquiries dated 01/17/2025 and 01/18/2025 (Brandon Automotive, Brandon Honda, AmeriCredit Financial, Capital One Auto, Truist Dealer Services, Santander Consumer, Mercedes-Benz Credit) and 01/10/2025 (Suncoast Credit Union) are included in the monitoring scope.

Enrollment of an account means it is within the scope of monitoring and, where the Company finds a legitimate basis, dispute. It is not a statement that any account is inaccurate, and it is not a promise that any item will be changed or removed.

Report snapshot (11/11/2026): Equifax 8 accounts, Experian 9, TransUnion 9. Reported balances $31,312 / $31,642 / $31,845. Revolving utilization 93% ($2,044 of $2,200). Public records: none. Hard inquiries in 2 years: 5 / 3 / 2.

3. Services Provided

  1. Review of the Client's three-bureau credit report and a written account-by-account analysis.
  2. Ongoing credit monitoring of the enrolled accounts for new, changed or removed information.
  3. Preparation and submission of dispute letters to the credit bureaus and, where appropriate, to furnishers and collection agencies, including requests for verification and debt validation.
  4. Tracking of bureau and furnisher responses by dispute round, and reporting results to the Client.
  5. Educational guidance on utilization, payment history, and responsible credit use.
  6. Access to the Boss Up Wealth Circle community and onboarding support.

4. What the Company Does Not Do

  • The Company does not guarantee any specific result, score increase, deletion, or timeline.
  • The Company will not advise or assist the Client to make any untrue or misleading statement to a credit bureau or creditor, or to create a new credit identity (including using an EIN or other number in place of an SSN).
  • The Company is not a law firm and does not provide legal advice. It is not a lender and does not extend credit.
  • Accurate, timely, verifiable negative information generally cannot be removed and may lawfully remain on a report for up to seven years (up to ten years for bankruptcies).

5. Client Responsibilities

  • Provide complete and truthful information and keep the Company informed of changes in address, phone, email or employment.
  • Maintain an active credit monitoring subscription so reports remain current during the Program.
  • Forward promptly any mail received from a bureau, creditor or collector relating to a disputed item.
  • Continue paying open obligations on time. The Client remains solely responsible for all debts, including any amounts owed to the creditors listed in Schedule A.
  • Avoid new credit applications during the Program unless the Company has been consulted.

6. Fees and Payment

Monthly program fee (credit monitoring, analysis and dispute services)$39.95 / month
Term12 months
Total of all monthly payments over the term$479.40
Fee charged before services are fully performed$0.00

The Client will be billed $39.95 each month for twelve (12) consecutive months, beginning on the Effective Date, through the Client's Boss Up Wealth Circle membership (Skool / Stripe). Total contract value: $479.40. No other fees apply, and no payment is collected before services are performed.

The Company does not charge or receive any payment for credit repair services before those services are fully performed, as required by Florida law and the federal Credit Repair Organizations Act. Membership dues are billed monthly through Skool and Stripe and are for the community, education and monitoring access described above.

7. Your Rights Under Federal and Florida Law

Consumer Credit File Rights Under State and Federal Law. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to keep in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: Federal Trade Commission, Washington, DC 20580, www.ftc.gov.

8. Right to Cancel (3 Business Days)

You may cancel this contract without penalty or obligation at any time before midnight of the third (3rd) business day after the date you sign it. To cancel, email support@a-j-collective.com with the subject line "CANCEL" or deliver written notice to the Company. Cancellation after the three-day period ends the Program going forward, and no charge will be made for services not performed.

9. Term and Termination

The Program begins on the Effective Date and continues for twelve (12) months, through November 11, 2027, unless cancelled or renewed in writing. The twelve-month term and the $39.95 monthly fee are stated in Section 6. Either party may end this Agreement at any time by written notice. The Client may cancel at any time after the 3-day period without penalty for services not yet performed, and no further monthly fees will be charged once the Program ends.

10. Authorization

The Client authorizes the Company to access the Client's credit reports through the Client's monitoring account, to communicate with credit bureaus, furnishers and collection agencies concerning the accounts in Schedule A, and to prepare and send dispute correspondence on the Client's behalf. This authorization may be revoked at any time in writing.

11. Confidentiality and Data Handling

The Company will keep the Client's personal and credit information confidential, will use it only to deliver the Program, and will not sell it. Information may be disclosed where required by law or with the Client's written consent.

12. Limitation of Liability and Disclaimer

To the fullest extent permitted by law, the Company's total liability under this Agreement is limited to the fees actually paid by the Client under this Agreement. The Company is not liable for creditor, collector or bureau decisions, or for any decision made by a third party based on the Client's credit report. This Agreement does not waive any right the Client has under the Credit Repair Organizations Act or Florida law, and any waiver of those rights is void.

13. Electronic Signature and Records

The parties agree that an electronic signature has the same legal effect as a handwritten signature under the federal E-SIGN Act and the Florida Electronic Signature Act. The Client's signature, typed name, IP address and timestamp will be recorded as evidence of execution. The Client may download a copy of the signed Agreement immediately after signing.

14. General

This Agreement is the entire agreement between the parties on this subject, is governed by the laws of the State of Florida, and may be changed only in writing signed by both parties. If any part is found unenforceable, the remainder stays in effect.

Client Signature

I have read this Agreement and Schedule A, and I received the "Consumer Credit File Rights" notice in Section 7.
I understand the Company does not guarantee any result and that I may cancel within 3 business days.
I agree to sign electronically and to be bound by this Agreement.
Use finger or mouse

You are enrolled

Your signed Agreement is ready.

Keep this copy. Questions: support@a-j-collective.com

Alexis and Jasmine
Alexis & Jasmine
Boss Up Wealth Circle
support@a-j-collective.com