Service Agreement

CreditEdge — operated by IAB Advisors, Inc.

Contract Signed

Your 3-business-day cancellation window is now active.

Credit analysis begins automatically once the cancellation window closes.

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Credit Repair Organizations Act Disclosure

CREDIT REPAIR ORGANIZATIONS ACT DISCLOSURE You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly, free of charge. Any negative information that is accurate, current, and verifiable cannot be removed by a credit repair organization. You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act. CreditEdge, operated by IAB Advisors, Inc., cannot: - Guarantee or promise improvement to your credit record, history, or rating - Charge you before completing agreed-upon services - Perform any service that you could do yourself for free You may cancel this contract without penalty within three (3) business days from the date you signed it.

Services Description

AI-powered credit report analysis, dispute letter generation, Metro-2 correction request preparation, and dispute progress tracking.

Selected Plan

I have read and understand the Credit Repair Organizations Act disclosure above. I acknowledge that I have the right to dispute items directly with credit bureaus for free, and that I may cancel this contract within 3 business days without penalty.

No charge today: Your card is saved but not charged. Per federal law (CROA), you are billed only after services are performed — at the end of each monthly service period, starting after your 3-business-day cancellation window.

No payment collected: Signing does not charge you. Per federal law (CROA), you are never billed before services are performed, and you may cancel within 3 business days without penalty.

Payment method

Contract version: v1.0 — CreditEdge by IAB Advisors, Inc.