Credit Monitoring & Credit Repair
Services Agreement

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disputes, on the Client's behalf and at the Client's direction, concerning information that is inaccurate, incomplete, outdated or unverifiable.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.

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.

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

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.

8. Right to Cancel (3 Business Days)

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.