Read the contract before the sales pitch.

Credit Repair Services Contract Date: [ date of signing ] Client: [ your name ] 1. Who we are. This contract is between you, the client named above, and TBD, LLC ("we", "us"), doing business as GuidedScore, with its principal business address — our actual office location — at 000 Placeholder Ave, Suite 000, Tulsa, OK 74100. Our agent in Oklahoma authorized to receive service of process is PENDING — Oklahoma registered agent not yet appointed, PENDING. We are a credit repair organization as defined by the federal Credit Repair Organizations Act, 15 U.S.C. §1679a(3), and a credit services organization as defined by the Oklahoma Credit Services Organization Act, 24 O.S. §132. 2. Services we will perform. We will provide the following services: (a) File review. A written review of the credit reports you provide us from each of the three nationwide credit bureaus (Equifax, Experian, and TransUnion), identifying: each item we believe is inaccurate, unverifiable, or incomplete and the specific reason why; each negative item that appears accurate and current, which no one can lawfully remove; and a written dispute plan. (b) Dispute preparation. For items you confirm are inaccurate, unverifiable, or incomplete, we will prepare dispute letters addressed to the credit bureaus and, where appropriate, to the companies furnishing the information, based on the facts you confirm to us, and deliver each letter to you in your client portal, ready to print, with the correct mailing address and step-by-step mailing instructions. You review, sign, and mail each letter yourself; postage is yours (typically a first-class stamp per envelope, or certified mail if you choose it). Mailing your own disputes means each dispute reaches the bureau directly from you, the consumer. (c) Progress reporting and follow-through. We will show you, in your client portal, each letter we prepare, the mailing date you report to us, the bureaus' legal response deadlines which we track, and every response received, as the work happens — and we will prepare the next round based on those responses. (d) Guidance. We will provide plain-language guidance on responses received from bureaus and furnishers and on what we recommend next. We obtain your credit reports at no cost through your rights under federal law (annualcreditreport.com); you upload them to us. We never ask for your login credentials to any credit bureau, monitoring service, or financial account. 3. What you pay: nothing. (a) The services in section 2 are free. We will not charge you any fee for them, at any time, and we do not ask for a payment card. (b) Total of all payments: $0. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT TO ANY OTHER PERSON OR COMPANY IN CONNECTION WITH OUR SERVICES, other than the postage you pay directly to the postal service to mail your own dispute letters — no credit monitoring subscription, no report fee, nothing else. Your credit reports are free. (c) If we ever decide to charge for our services, we will not charge you under this contract. Any paid service would require a new written contract that you choose to sign, with all the disclosures and cancellation rights the law requires. 4. No guarantees, and our refund promises. We make no guarantee of performance or results. We do not guarantee that any particular item will be removed or changed, that your credit score will improve by any amount or at all, or that any lender will approve you for anything. Accurate, current, and verifiable information cannot lawfully be removed from your credit report by anyone. Any statement to the contrary by anyone would be false. This section states all guarantees of performance: there are none. Our refund promise is this and no other: you pay us nothing, so there is never anything to refund; if any payment under this contract were ever received, it would be returned within ten (10) days of your cancellation notice. 5. How long the services take. We estimate the file review (section 2(a)) will be delivered within 10 business days after we have received your credit reports from all three bureaus and you have confirmed the information we need. Each dispute round thereafter typically takes 30 to 45 days, driven by the bureaus' legal response windows. The service continues until you cancel or we complete the dispute plan, whichever comes first. 6. When work begins. Federal law prohibits us from performing any services until the end of the 3-business-day period beginning on the date you sign this contract (15 U.S.C. §1679d(a)(2)). We will begin work after that period ends, provided you have not canceled. 7. Your right to cancel. Federal law provides: You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right. Oklahoma law provides: You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right. Two completed copies of each Notice of Cancellation — the federal form and the Oklahoma form — accompany this contract, each showing its own deadline date. We honor your cancellation until the later of the two deadlines has passed. After the cancellation period, you may still end the service at any time by telling us. 8. Your documents. At signing, you will receive a copy of this completed contract, the disclosure titled "Consumer Credit File Rights Under State and Federal Law," the Oklahoma Credit Services Organization Information Statement you acknowledged, and two copies of each Notice of Cancellation, by email and in your client portal. 9. Governing law. This contract is governed by the Credit Repair Organizations Act, 15 U.S.C. §1679 et seq., the Oklahoma Credit Services Organization Act, 24 O.S. §131 et seq., and other applicable law. Nothing in this contract waives, or asks you to waive, any right or protection under those laws; any such waiver would be void, and we will never request one.