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Luxurious Lifestyle Always

Legal

Credit Repair Service Agreement

Required disclosures under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq.

Effective Date: January 1, 2024

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. There is no fee for this. Any reputable credit repair company will tell you that you have this right. You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

You have three (3) business days to cancel your contract with any credit repair organization for a full refund of any money paid. Note: Our no-refund policy applies after the 3-day cancellation window has passed.

1. Services Provided

Luxurious Lifestyle Always provides credit repair consulting services including, but not limited to: reviewing your credit reports, identifying inaccurate or unverifiable items, preparing dispute letters on your behalf, and advising you on credit-building strategies. Services are provided based on the specific package purchased.

2. Your Rights Under CROA

  • You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no cost.
  • You have the right to obtain a copy of your credit report from each of the three major bureaus once per year at AnnualCreditReport.com.
  • You have the right to sue a credit repair organization that violates the CROA.
  • You have the right to cancel this contract within three (3) business days of signing without penalty.

3. What We Cannot Do

  • We cannot guarantee the removal of any specific item from your credit report.
  • We cannot guarantee a specific credit score increase.
  • We cannot advise you to make false statements to any credit bureau, lender, or creditor.
  • We cannot create a new credit identity for you using false information.

4. Payment Terms

Full payment is required at the time of purchase. After the 3-business-day cancellation window, all sales are final and no refunds will be issued. The Company will not charge any fees before services are fully performed, in compliance with CROA requirements.

5. Client Obligations

  • Provide accurate personal information and documentation as requested.
  • Notify the Company of any changes to your credit reports or financial situation.
  • Cooperate with the dispute process and respond to any requests from the Company in a timely manner.
  • Understand that results vary and are not guaranteed.

6. Duration

Services will be provided for the duration specified in the package purchased. Timelines are estimates and may vary based on credit bureau response times and individual circumstances.

7. Governing Law

This Agreement is governed by the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and the laws of the State of New York.

8. Contact

For questions about this Agreement, please contact us:

Luxurious Lifestyle Always by Lauren Keller
Phone / Text: 917-968-8930

Credit Repair. Real Results.

Luxurious Lifestyle Always by Lauren Keller provides top-tier, white-glove service for credit repair and approvals. With over eight years of experience, we pride ourselves on taking care of our clients every step of the way.

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Legal Disclaimer

The following disclaimer applies to all services and programs offered by Luxurious Lifestyle Always by Lauren Keller, including but not limited to our CPN Programs, Credit Repair Services, Fresh Start Credit Profile, Authorized User Tradelines, Move-In Concierge, and all related consulting and educational services.

These programs are not intended to be used as a method of defrauding banks, creditors, or any other organization that requires your social security number as identification. These programs are not a method to avoid paying your existing or future debts. If you created the debt, you are responsible to repay that debt. We will not support, facilitate, nor condone any fraudulent activity. The information provided is for informational purposes only and for you to use at your own risk. We are not lawyers or any legal services. We have a no-refund policy because of the work required to provide you with the information.

Luxurious Lifestyle Always by Lauren Keller has posted this message in plain sight so consumers can be aware: CPNs are defined as any 9-digit number which can be used for credit, such as an SSN, ITIN, TIN, or EIN. It is very clear that the largest warehouser of converted 9-digit government-issued numbers, such as ITIN, TIN, SSN, and EIN, are in fact found throughout the banking world and within the banks' databases, attached to credit and loan folders legally originated by these same banks.

It is our statement that Luxurious Lifestyle Always by Lauren Keller is not engaging in any prohibited business activities, including but not limited to: (A) representing that consumers can alter their identifying information to conceal adverse credit information using EINs, TINs, or alternative Social Security Numbers; (B) representing that building a new credit record using an EIN, TIN, or alternate Social Security Number instead of a consumer's own Social Security Number is legal; (C) misrepresenting any material fact concerning the ability of our products or services to perform any credit-related function, including improving credit reports, consolidating debt, or obtaining any extension of credit; (D) misrepresenting any fact material to a consumer's decision to purchase our products or services; (E) representing that consumers can alter their identifying information using Dun & Bradstreet Numbers (DBNs), EINs, TINs, or alternative Social Security Numbers to conceal adverse credit information; (F) representing that building a new credit record using a DBN, EIN, TIN, or alternate Social Security Number is legal; (G) misrepresenting any material fact concerning our ability to improve credit reports, consolidate debt, or arrange any extension of credit; or (H) misrepresenting any fact material to a consumer's decision to purchase our products or services.

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