Quality Credit Services, Inc.
167 Summerfield Lane
Butler, KY 41006
Phone: 1-800-763-1580
Email: support@myfinancialadvantage.com

Credit Restoration  »  Terms & Conditions

By Using this Web Site, completing a verbal authorization, or signing a Quality Credit Services, Inc. Service Agreement, you (herein after referred to as the client), are aware and agree to conduct business with Quality Credit Services, Inc., hereinafter referred to as Quality Credit Services, Inc., and that Quality Credit Services, Inc. complies ONLY with the laws of the Commonwealth of Kentucky and all federal laws governing credit restoration companies. Furthermore, it is the duty and obligation of the client to insure full compliance with all local and state laws, wherein the client will be conducting business. Client also agrees that in the event of any legal dispute with Quality Credit Services, Inc. or any of it's associates, that all litigation will be conducted in the jurisdiction of the Commonwealth of Kentucky.

  • Consultant will analyze and provide consulting on client/s personal credit report.
  • Consultant will prepare all the necessary correspondence for clarification of certain derogatory information, which may be contained in a client's credit report.
  • Quality Credit Services, Inc. makes no claims to be able to remove credit information that is 100% accurate and verifiable.
  • Client agrees NOT TO APPLY FOR CREDIT until the completion of this agreement.
  • Client authorizes the consultant to obtain, analyze, & prepare all documentation necessary to dispute the validity, accuracy, and ownership of any or all derogatory information contained in his/her credit profile.
  • Limited Power of Attorney: The Client authorizes the consultant to communicate with Trans Union, Experian, Equifax (CSC), and any other company or individual in his/her behalf. This includes: signing all documentation provided to the credit bureaus as the client. This authorization is only valid for the purpose of attempting to improve the clients credit worthiness or obtaining information that is necessary to correct or improve specific accounts held by the client. It is not to be used for any other purpose or the consultant will be held liable.
  • Client is aware and agrees that he/she cannot knowingly and willfully mislead or make any untrue statements to a credit reporting agency or instruct any other party to do so for the purpose of restoring his/her credit history. Further, the client agrees that he/she has chosen to have Quality Credit Services, Inc. dispute, as stated above, any or all information contained in his/her credit report that he/she believes to be misleading, outdated, erroneous, obsolete, or unverifiable. Client also agrees that this decision was made in whole by the client and not as a result of Quality Credit Services, Inc. or any of Quality Credit Services, Inc.'s consultants.
  • Client is aware that all derogatory items after a specific period of time must automatically be removed. Bankruptcies: ten years from the date filed, all others seven years from the date of last activity.
  • Client is aware that there are, available to him/her, nonprofit credit counseling services, and to check local listings.
  • Client further agrees to provide the consultant with a copy of all correspondence received by the client as a result of the consultant's efforts and/or processing.
  • Client is responsible for all debts owed to creditor. Improving the credit profile does not clear debt owed.
  • Consultant, at his/her discretion, may keep for his/her records all documentation and material used and produced by him/her.
  • Client is aware that in compliance with sections 402 and 404 of Title IV of the Consumer Credit Protection Act, (Credit Repair Organizations Act.), Quality Credit Services, Inc. will not draft or deposit any fees from the client's account until the following services have been completed for the client. In addition, the client agrees that the fee he/she is paying to Quality Credit Services, Inc. is for the completion of the following services: 1) Initial Consultation with a Quality Credit Services, Inc. Credit Consultant or Qualified Associate, 2) Preparation and submission of credit report request/s or analysis of credit reports already provided to Quality Credit Services, Inc. by the client, 3) Setup of customer account to perform preparation of any documentation necessary to obtain clarification of the validity, accuracy, and/or ownership of any or all items requested to be disputed on behalf of the client.
  • Consultant will attempt to improve client's credit profile by utilizing methods in the FAIR CREDIT REPORTING ACT OF 1970, SECTION 1681i. However, the consultant does not promise any particular standard of improvement can be attained. This will remain in effect only if you abide by the following:
    • 1. Have no payments returned from your bank for any reason.
      2. Return all Credit reports and credit bureau response letters promptly to Quality Credit Services, Inc..
      3. Do not apply for credit while this agreement is in effect.
  • Client understands that there will be a $25.00 charge for any check drafts that are returned or declined due to Non-Sufficient Funds.
  • Client agrees that this constitutes their entire agreement.



CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL 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 the 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 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 violated 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 be kept 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:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580