OUTSOURCING PREMIUM PLAN AGREEMENT

This Credit Repair Services Agreement ("Agreement") is entered into by and between Campbell Credit Solutions LLC ("Campbell") and the Credit Repair Company Owner (CRO). This Agreement becomes effective upon signing and remains in effect as outlined herein.

1. SCOPE OF SERVICES

Campbell Credit Solutions LLC agrees to provide the following services on a monthly/weekly basis:

1.1 Credit Report Review & Dispute Management

• Conduct thorough reviews of credit reports via credit monitoring services based on information supplied by the CRO.

• Draft and submit dispute letters, collect responses, and update the client portal accordingly.

• Maintain direct communication with clients as needed.

• Draft, print, and mail dispute letters (certified mail excluded unless specified).

• Disputes are sent to Equifax, TransUnion, and Experian.

• All dispute letters are meticulously organized, addressing various dispute types separately for maximum effectiveness.

• Each client receives 4 to 12 dispute letters per round, covering:

  • Personal Information

  • Late Payments

  • Charge-Offs

  • Collections

  • Bankruptcies

  • Repossessions

  • Student Loans

• Services Included:

  • Comprehensive Disputing – Filing disputes with CFPB, BBB, ChexSystems, and online disputes with Experian & Equifax.

  • Printing, First-Class Postage, and mailing.

  • No template or cookie-cutter letters.

  • METRO-2/Consumer Law & Factual Disputing methodologies.

  • Monthly updates sent to CRO and Clients.

1.2 Regulatory Complaint Assistance

• File complaints with relevant regulatory bodies, including the Consumer Financial Protection Bureau (CFPB), Attorney General (AG), and Federal Trade Commission (FTC), when necessary.

2. COMPENSATION AND PAYMENT TERMS

• The CRO agrees to pay $35.00 per dispute round per client to Campbell Credit Solutions LLC before processing begins.

• Additional reimbursement is required for expenses incurred outside the standard scope of services, including certified mailing costs.

• Payments are due regardless of credit repair results, and Campbell makes no guarantees regarding specific outcomes.

3. TERM AND TERMINATION

• Either party may terminate this Agreement with 15 days' written notice.

• No refunds will be issued for work already completed at the time of cancellation.

• This Agreement is independent of any agreements between the CRO and its clients; Campbell Credit Solutions LLC is entitled to payment regardless of the CRO’s financial arrangements with its clients.

4. RELATIONSHIP OF PARTIES

• This Agreement does not create an exclusive arrangement; both parties may engage in similar agreements with others.

• The parties operate as independent contractors and are not agents, partners, or employees of each other.

• Responsibilities under this Agreement may not be assigned without prior written consent.

• Any modifications to this Agreement must be in writing and agreed upon by both parties.

5. DISCLAIMER OF GUARANTEES

• Campbell Credit Solutions LLC does not guarantee results.

• The company has no control over the decisions made by credit bureaus or creditors regarding the removal of disputed items from a credit report.

• Campbell will make every effort to dispute inaccurate, outdated, or unverifiable information, but the final decision rests solely with the bureaus and creditors.

6. REFUND POLICY

• All sales are final. No refunds or exchanges will be provided for any reason.

• This includes, but is not limited to, used services, unused services, and partner account setup.

• Our no-refund policy is in place to protect both our customers and our business, ensuring transparency and fairness in all transactions.

7. CHARGEBACK POLICY

• In the event that we receive a chargeback from the Client’s bank, we reserve the right to pursue fraudulent chargebacks to the fullest extent of the law, including felony fraud charges if applicable.

• Any controversy or claim arising from or relating to this Agreement shall be settled through binding arbitration.

• The number of arbitrators shall be one or three, and the arbitration will take place in the city of the contract originator.

• The Client or their company will be responsible for covering the cost of arbitration.

• Judgment rendered by the arbitrator(s) may be entered in any court with jurisdiction.

• By signing this Agreement, the Client authorizes transactions with Campbell Credit Solutions LLC and confirms that they have received and inspected all deliverables, acknowledging that they are correct.

• The Client waives their right to dispute this transaction with their bank and agrees to resolve any concerns directly with the merchant.

8. DISPUTE RESOLUTION

• In the event of a dispute, both parties agree to negotiate in good faith.

• If negotiations fail, disputes shall be resolved through binding arbitration under California law.

• If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall remain in full effect.

9. LIMITATION OF LIABILITY

• The Client agrees to hold harmless Campbell Credit Solutions LLC and its representatives from any indirect, punitive, special, incidental, or consequential damages arising from this Agreement.

• If Campbell Credit Solutions LLC is found liable, liability is limited to the amount paid for services rendered.

• Campbell reserves the right to refuse or cancel services at its discretion.

10. LEGAL COMPLIANCE

• The CRO affirms compliance with the Credit Repair Organizations Act (CROA) and all relevant federal, state, and local laws and licensing requirements.

• The CRO is solely responsible for ensuring that it is legally authorized to offer credit repair services to its clients.

11. ENTIRE AGREEMENT

• This Agreement constitutes the entire understanding between the parties and supersedes all prior agreements, whether written or oral.

• Any amendments must be made in writing and signed by both parties.

By signing below, both parties acknowledge their understanding and acceptance of this Agreement.