Crushing Credit

Information Statement


CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to obtain a free copy of your credit report from a credit reporting agency. You may obtain this free copy of your credit report one time per year by visiting www.AnnualCreditReport.com. You will be able to view your credit report, dispute alleged inaccuracies, and obtain additional information at no fee. If requested, the consumer credit reporting agency must provide someone to help you interpret the information in your credit file.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.

If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency.

If the reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you.

You have a right to cancel the contract with the credit services organization for any reason before midnight on the 3RD working day after you signed it. If for any reason you cancel the contract during this time, you do not owe any money.

You have a right to sue a credit services organization if it misleads you.

Crushing Credit (hereinafter, collectively referred to as "Provider", “We”, “Us”, “Our”) requires all Clients (hereinafter referred to as "client", "clients", "customer," "customers," "you" or "your", "his" or "hers") to sign the "Description of Service" that states a complete and detailed description of the services that we will perform for you and the total cost of the services. By signing this form, you are agreeing to the terms and conditions of service set forth in this Agreement and to the terms and conditions of payment. It is Provider’s intention to service you for the entire term of this Agreement. However, should you cease payment under the terms of this Agreement, we will cease service immediately until payment can be rendered. Provider also reserves the right to collect any monies not yet paid under the terms of this Agreement that it may be entitled to, which might include (but is not limited to) rendering the service of a third-party collection agency and/or attorney. You agree that any remaining payments that Provider may be entitled to, including any late fees, collection fees, and/or additional administrative fees, as permitted by law, will be applied in accordance with this Agreement regardless of your default.

Provider strictly adheres to a zero-advanced pay policy where no payment is charged to the Customer until the described work in signed service agreement is completed and/or cancellation has been made after the cancellation grace period has passed. Customer understands and agrees to pay to Provider the total amount indicated for each service plan described in Agreement for services completed before a Notice of Cancellation was submitted by either party. No refund is available for payments completed for work performed. Provider will begin the performance of the services described within seven (7) working days from when Agreement is signed by Customer.

Description of Services are as followed:

  1. All service plans operate on a month-to-month basis and have a stated term of 6 months; however, you may cancel at any time without penalty or incurring further monthly service fees after cancellation. Each service plan is billed only after services for that month have been fully performed.
  2. Upon successful completion of the onboarding process, Customer will submit payment for an onboarding fee of $50. No deliverables associated with any additional service plan will begin until this onboarding service has been fully completed and the onboarding fee has been paid.
  3. If Customer subscribes to the New Beginnings Service Plan, $115 is charged to Customer after work is completed for that month. There may be a total payment of $690 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $870.
  4. If Customer subscribes to the Accelerated Service Plan, $170 is charged to Customer after work is completed for that month. There may be a total payment of $1,020 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $1,200.
  5. If Customer subscribes to the Hard Inquiry Service Plan, $90 is charged to Customer after work is completed for that month. There may be a total payment of $540 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $720.

Each of the said services listed above, whether collectively OR individually, shall comprise of and define the term "Services Rendered" and thus, all service fees shall be deemed due and fully collectible and will be billed/charged accordingly, AFTER such service(s) have been rendered.

IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES. 

It is agreed that this Description of Service has been fully read, acknowledged, and understood prior to the execution of any Contractual Agreement or Duties between the parties hereto.

Crushing Credit makes no other warranties aside from the warranties expressly written within this disclosure. No oral agreement or other agreement shall override this Agreement unless received in writing from an authorized representative of Provider. 

I, the CONSUMER, fully understand my responsibility to this program and agree to the above terms, as well as acknowledging that all of my questions have been answered. I further acknowledge and agree to the total costs of these services and am aware that nonprofit budget and debt counseling services exist.

NOTICE TO CUSTOMER: DO NOT SIGN THIS STATEMENT BEFORE YOU READ IT. YOU ARE ENTITLED TO A COPY OF THIS STATEMENT.

Acknowledgement receipt of this statement,

CUSTOMER

Authorized Signature                 Date

 

Print Name

 


NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within 3 working days from the date the contract is signed.

If you cancel, any advanced payment made by you under this contract must be returned within 10 working days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to

Crushing Credit
699 Walnut St 4th Flr,
Des Monies IA 50309

or emailed to info@crushingcredit.com no later than midnight, February 17, 2026.

I hereby cancel this transaction.

 

CUSTOMER

Authorized Signature                 Date

 

Print Name

 

 
 


NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within 3 working days from the date the contract is signed.

If you cancel, any advanced payment made by you under this contract must be returned within 10 working days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to

Crushing Credit
699 Walnut St 4th Flr,
Des Monies IA 50309

or emailed to info@crushingcredit.com no later than midnight, February 17, 2026.

I hereby cancel this transaction.

 

CUSTOMER

Authorized Signature                 Date

 

Print Name

 

NOTICE: Above are copies of the Notice of Cancellations for you to print out and mail to us if you intend to cancel this service in the future. You may proceed below and sign if you agree to the terms of this Service Agreement.

CUSTOMER  

Leave this empty:

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Signature Certificate
Document name: Information Statement
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Timestamp Audit
July 10, 2023 12:20 pm CSTInformation Statement Uploaded by Justin Lane - info@crushingcredit.com IP 49.151.173.50
July 10, 2023 12:21 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 10, 2023 12:21 pm CSTSales Team - sales.team@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 10, 2023 12:55 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 10, 2023 12:55 pm CSTSales Team - sales.team@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 21, 2023 9:55 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 21, 2023 9:55 am CSTSales Team - sales.team@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
July 24, 2023 8:43 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.41
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October 6, 2023 9:57 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.138
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October 24, 2023 10:15 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 112.206.64.111
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November 6, 2023 3:09 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.148.241.206
November 6, 2023 3:09 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.148.241.206
November 8, 2023 10:23 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.138
November 8, 2023 10:23 am CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.61.138
February 22, 2024 11:36 am CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 119.94.163.195
February 22, 2024 11:36 am CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 119.94.163.195
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February 10, 2025 12:11 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 136.158.101.65
December 12, 2025 12:19 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.154
December 12, 2025 12:19 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.154
December 12, 2025 12:20 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.154
December 12, 2025 12:20 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.154
December 15, 2025 12:42 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 45.26.146.26
December 15, 2025 12:42 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 45.26.146.26
December 15, 2025 1:06 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.164.216
December 15, 2025 1:06 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.164.216
December 15, 2025 3:00 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 45.26.146.26
December 15, 2025 3:00 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 45.26.146.26
December 18, 2025 12:28 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.160.181
December 18, 2025 12:28 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.160.181
January 12, 2026 4:12 pm CSTDisclosure Notification - disclosure@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.50
January 12, 2026 4:12 pm CSTCM Team Consultants - cmteamconsultants@creditmanager.io added by Justin Lane - info@crushingcredit.com as a CC'd Recipient Ip: 49.151.173.50
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