This Client Engagement Agreement (“Agreement”) is entered into between Build With Adrianna, LLC (“Company”) and the undersigned client (“Client”). This Agreement outlines the services, responsibilities, fees, timelines, and legal protections related to consumer credit-law dispute services.

1. PURPOSE OF SERVICES
The purpose of this Agreement is to assist Client in correcting, disputing, or challenging inaccurate, incomplete, outdated, unverifiable, or misleading items appearing on Client’s credit reports in compliance with:

Fair Credit Reporting Act (FCRA)
Fair Debt Collection Practices Act (FDCPA)
Truth in Lending Act (TILA)
Consumer Financial Protection Bureau (CFPB) guidelines
Credit Repair Organizations Act (CROA)
The Company does not remove accurate negative information or guarantee a specific score increase.

2. SERVICES PROVIDED
Build With Adrianna agrees to provide the following:

A. Credit Analysis & Audit
Review all 3 Bureau Reports (Experian, TransUnion, Equifax)
Identify violations, inaccuracies, and unverifiable accounts
Consumer-law audit to determine dispute strategies
B. Monthly Dispute Services
Draft and send bureau disputes
Draft and send furnisher/creditor validation letters
Draft CFPB complaints, if applicable
Unlimited dispute rounds as needed while the subscription is active
C. Communication & Support
Monthly progress updates
Client portal access (if available)
Coaching on credit building, budgeting, and utilization strategies
Written education materials included
D. Additional Services (Depending on Tier)
High-risk case support (identity theft, mixed file, fraud)
Escalated complaints to CFPB/AG offices
Creditor negotiation assistance (non-legal)
Priority response time

3. CLIENT RESPONSIBILITIES
Client agrees to:

Maintain an active credit monitoring subscription (MyFreeScoreNow or similar).
Provide all requested documents including ID, proof of address, SSN verification.
Review reports monthly and notify Company of new issues.
Update Company with any address changes.
Do not dispute items directly with bureaus while enrolled unless instructed.
Make all payments on time to avoid interruption of services.

4. MONTHLY FEES & PRICING
Client agrees to pay the monthly fee according to their selected plan:

Standard Plan – $79–$99/mo
Basic 3-bureau disputes
Monthly updates
Education & credit coaching
Premium Plan – $129–$149/mo
Full consumer-law audit
Unlimited disputes
Creditor/furnisher validation
Priority support
VIP / High-Risk Plan – $199–$299/mo
Identity theft cases
Mixed file corrections
CFPB escalation support
Priority processing and communication
Setup Fee / First Work Fee
A one-time onboarding fee of $99–$199 covers:

Initial audit
Strategy plan
Preparing first dispute round
This fee is charged only after services are performed, in compliance with CROA.

5. TERM & CANCELLATION
This Agreement is month-to-month, with no long-term contract.
Client may cancel anytime with written notice (email or portal).
All services performed up to the cancellation date are non-refundable.
If Client stops paying or monitoring is disconnected, services pause automatically.

6. RESULTS & EXPECTATIONS
Client understands:

No ethical credit-repair company can guarantee deletions.
No specific score increase can be promised.
Timeline varies based on bureaus, creditors, and complexity.
Accurate negative items cannot be removed legally.
On average, clients begin seeing movement within 30–90 days, depending on case complexity.

7. NON-LEGAL SERVICES DISCLOSURE
Build With Adrianna is not a law firm and does not provide legal representation.

Services involve consumer-law procedures, audits, and dispute support — not court filings or legal advice.

If legal counsel is required, the Client is responsible for obtaining an attorney.

8. AUTHORIZATION
Client authorizes Build With Adrianna to:

Prepare and send dispute letters on their behalf
Communicate with credit bureaus and furnishers
Analyze and store credit-related documents
Educate and guide Client through the credit-improvement process
Client does not authorize Company to assume power of attorney or make credit decisions on their behalf.

9. LIMITATION OF LIABILITY
Company is not responsible for:

Delays caused by bureaus, creditors, or monitoring services
Identity theft during or before service
Incorrect information provided by Client
Actions taken by Client without Company instruction

10. PAYMENT AUTHORIZATION
Client authorizes the Company to charge the card on file monthly until canceled.

Declined payments may result in paused services.

11. ACKNOWLEDGEMENT OF CROA DISCLOSURES
By signing below, Client acknowledges receiving:

A copy of this Agreement
Their “Right to Cancel” notice
CROA’s “Consumer Credit File Rights Under State & Federal Law”
A detailed description of services before any payment was made

12. RIGHT TO CANCEL
Client has the right to cancel this Agreement within 3 business days at no cost.