This agreement is made between SW Group, LLC, a Florida corporation ("We", "Us", or "Our"), and the undersigned (“You”).

Services Provided

We will use federal law to correct errors and other misleading information found in your credit reports by sending dispute letters to the 3 major credit bureaus. We do not and cannot guarantee a specific outcome. Services provided include consultation with you, analysis and evaluation of your credit reports, and any correspondence or other communications necessary and appropriate to dispute inaccurate, erroneous, unverifiable, or obsolete information found in your credit reports with the 3 major credit bureaus.

Estimated Date of Completion

The estimated date for completion of our service is one to three days after signing this Agreement. Accordingly, you will be charged our service fee only after we fully perform and complete our service. You grant us permission to process your payment only after completion of our service, which is upon a preparation of your credit bureau disputes. You understand and agree that you are charged only for services previously rendered, not for a specific case outcome.

Arbitration Agreement

To the maximum extent allowed by law, any claim arising out of or relating to our service may be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis and not consolidated with any other claim. The arbitration shall be initiated and conducted only in the state or federal courts in Broward County, Florida. Both parties agree to submit to the exclusive personal jurisdiction of those courts.

Limited Power of Attorney

You grant us Limited Power of Attorney to draft and transmit dispute letters on your behalf and in your name to the credit bureaus.  The letters sent will be for the purpose of disputing errors and other misleading information found in your credit reports. Through this Limited Power of Attorney, you also authorize us to act as your agent (disclosed or undisclosed) when performing credit repair services pursuant to this Agreement.

Principal Business Address

1 E Broward Blvd Ste 700

Fort Lauderdale, FL 33301

Florida Service of Process Information

Our agent authorized to receive service of process in the State of Florida is Scott Schaaf located at 1 E Broward Blvd Ste 700, Fort Lauderdale, FL 33301.

Right of Rejection

We reserve the right to reject any order for any reason.

Acknowledgment & Authorization Statement

You acknowledge that you have received, read, and understand the attached Credit Repair Agreement, Information Statement, Disclosure Statement, and 2 duplicate copies of the Notice of Cancellation. You further authorize us to use federal law to dispute all inaccurate, erroneous, unverifiable, or obsolete information as acknowledged by you on the Dispute Items Sheet.

Right of Cancellation

You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed this contract. See the attached Notice of Cancellation form for an explanation of this right.

We will use federal law to correct errors and other misleading information found in your credit reports by sending dispute letters to the 3 major credit bureaus. We do not and cannot guarantee a specific outcome. Services provided include consultation with you, analysis and evaluation of your credit reports, and any correspondence or other communications necessary and appropriate to dispute inaccurate, erroneous, unverifiable, or obsolete information found in your credit reports with the 3 major credit bureaus.

The total fee for our credit repair service is provided on the Credit Repair Agreement. We do not charge you in advance for any credit repair service. We charge our credit repair fee only after our service has been fully performed and completed, which is upon a one-time preparation of your credit bureau disputes. Our service is not a recurring monthly service and there are no recurring monthly fees.

The estimated date for completion of our service is one to three business days after signing the Credit Repair Agreement. Accordingly, you will be charged our service fee after we fully perform and complete our service. You grant us permission to process your payment only after completion of our service, which is upon a one-time preparation of your credit bureau disputes. You understand and agree that you are charged only for services previously rendered, not for a specific case outcome.

Non-Profit Credit Counseling Services Notification

You should be aware that non-profit credit counseling services are available which provide a range of financial and money management services. Additional information is available at the Federal Trade Commission website.

Disclosure Statement & Notice of Cancellation

You acknowledge that you have received, read, and understand the attached Disclosure Statement and 2 duplicate copies of the Notice of Cancellation.

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 sue a credit services organization if it misleads you.

You have the right to cancel your contract with any credit repair organization for any reason within 5 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