Member Services Agreement

1. Scope of Engagement

Platinum Credit Group ("PCG") provides professional analysis, written advocacy, and formal challenges to consumer reporting agencies and data furnishers under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. PCG does not delete, alter, or manipulate credit information. The bureaus and furnishers correct their own records when an item cannot be verified within the statutory window.

2. Fees and Billing

All fees are charged for work performed, never contingent on outcome.

• Monthly membership (DIY $79, Signature $199, Bankruptcy Recovery $299, Business Credit Buildout $499) — billed in advance for the upcoming service period. Cancel anytime; no charge for the next period.
• Initial Engagement ($199 one-time) — billed only after the written tri-bureau audit and case strategy are delivered to your portal.
• Standard Review ($75 / item) — billed when a challenge letter is drafted and dispatched on your behalf. A Standard Review applies to a single tradeline or item disputed with a single credit bureau using a routine FCRA § 1681i dispute letter. Typical examples: a late-payment notation, an unverifiable address, a duplicate account, an outdated collection, or a soft inquiry — items that can be resolved through a one-bureau, one-letter exchange without supporting evidence beyond your written statement.
• Complex Review ($125 / item) — billed when a multi-bureau or furnisher-level challenge package is dispatched. A Complex Review applies when an item requires (a) coordinated disputes to two or more bureaus, (b) a direct FCRA § 1681s-2(b) challenge to the original data furnisher, (c) supporting documentation such as identity-theft affidavits, bankruptcy schedules, debt-validation demands under FDCPA § 1692g, method-of-verification requests, or escalation to the CFPB or state attorney general, or (d) reinvestigation of items previously returned as "verified." Typical examples: mixed-file or identity-theft tradelines, post-bankruptcy reporting errors, re-aged debts, repossessions, charge-offs with balance discrepancies, and student-loan or medical-collection items requiring furnisher engagement.

Your case lead determines complexity at intake based on the documentation and procedural steps required. You will see the classification and fee for each item on your member portal before any work is dispatched, and you may cancel any pending request at no charge.

PCG does not charge per-deletion fees, success fees, or any fee contingent on a specific result, in accordance with CROA § 1679b(b).

3. What You Receive

• Written tri-bureau audit (PDF) delivered to your member portal.
• Copies of every challenge letter sent on your behalf.
• Tracked correspondence and bureau responses logged in your case file.
• A written cadence appropriate to your tier (monthly, bi-weekly, or weekly).

4. Your Federal Rights

You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus. You have the right to obtain a free copy of your credit report once every twelve months from each nationwide bureau at annualcreditreport.com. You have the right to sue a credit repair organization that violates CROA.

5. Notice of Cancellation

6. No Guarantees

PCG makes no representation that any specific tradeline will be corrected or removed. Results depend on the underlying accuracy of the reported data and the responses of bureaus and furnishers under federal law.