CREDIT BUILDER SERVICE AGREEMENT
Effective Date: 08/26/2025
This Credit Builder Service Agreement (the “Agreement”) is entered into by and between:
Client (“You”) and
C&N Consulting Group LLC (the “Company”), a Georgia limited liability company, with its principal business address at 2427 Wheeless Rd, Ste A, Augusta Ga 30906
This Agreement defines the terms and conditions under which the Company will provide credit builder services to the Client, including installment payment reporting and credit education.
1. Program Description
The Credit Builder Program is a 12-month installment-based plan.
You agree to make recurring monthly payments of $40.00, totaling $480.00 throughout the program.
In return, you will receive access to:
Credit education resources
Personalized consulting
A client member portal
Monthly reporting of payment history
Timely payments will be reported to the Company’s authorized data furnishers or credit partners (where applicable).
2. Payment Terms
Payments of $40.00 will be automatically charged each month via ACH or credit/debit card.
Payments are due on the same calendar date each month (e.g., the 15th).
Missed or late payments may be reported as delinquent, which may negatively impact your credit profile.
3. Consumer Rights & Disputes
The Company complies with the Fair Credit Reporting Act (FCRA). You have the right to:
Dispute any inaccurate or incomplete reporting
Request correction of records
All disputes will be:
Acknowledged within 5 business days, and
Resolved within 30 days, unless additional information is required.
4. Termination & Cancellation
You may cancel this Agreement before the first reporting cycle for a full program withdrawal.
After reporting begins, cancellation will stop future billing and reporting, but does not cancel payment obligations already incurred.
All cancellations must be submitted in writing to: [info@cnconsultinggroupllc.com]
5. Company Responsibilities
The Company agrees to:
Accurately record and report payment data to authorized partners
Maintain secure and transparent client records
Investigate and respond to disputes promptly
6. Client Responsibilities
You agree to:
Provide accurate personal and financial information
Make all payments on time
Monitor your credit reports and notify the Company of any errors
Failure to fulfill these responsibilities may result in:
Negative credit reporting
Program termination without refund
7. Governing Law
This Agreement shall be governed by:
The laws of your state of residence
Applicable federal laws, including but not limited to the Fair Credit Reporting Act (FCRA)
8. Acknowledgments & Consents
By signing below, you acknowledge that:
You understand and accept the 12-month financial obligation
You authorize the Company to process and store your payment information securely
You consent to the accurate reporting of your payment activity to any authorized third-party
You may dispute inaccuracies, and the Company will take prompt action to investigate and correct them if necessary
9. Signatures
Client Name: _______________________________
Client Signature: ____________________________
Date: ______________________________________
Company Representative: ___________________________
Title: ___________________________________________
Date: ___________________________________________