During the evaluation and initial challenge process, SCG will review all credit information provided by the customer and prepare letters challenging items appearing on the customer’s credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverifiable as per the Fair Credit Reporting Act. SCG will submit transmittals of challenge letters within 3 to 7 business days, but not exceed 10 business days of receipt of credit information from customer, after which, these evaluation/initial challenge services shall have preparation of follow-up challenges as per the Fair Credit Reporting Act and transmittal of the same. SCG agrees only to challenge items under the Fair Credit Reporting Act. SCG makes no guarantee concerning the improvement of the customer’s credit history or FICO score, as both are dependent upon many factors beyond our control. This contract is valid for one(1) year from the date of signed contract. Should SCG be unable to improve a customer’s credit profile, the customer shall be entitled to a refund of the consultation fee at the end of the one(1) year term including a minimum of 7 disputes. I understand and agree to the above stated terms of service and payment. Any questions concerning your personal credit profile may be answered by contacting Sterling Credit Group at (214) 592-8820.