By clicking "Individual Credit Repair" or "Couple Credit Repair",
client acknowledges the following:

This agreement can be cancelled, free of charge or penalty, for three business days after it has
been signed.  Simply send a copy of this document, with the word '
CANCEL' across the top, via
certified mail to PO Box 3705 McKinney, TX 75070.

The initial credit reports will serve as the basis for improving or repairing credit reports, and Omega Credit Repair and Counseling
Services (hereafter referred to as “Omega”) has no responsibility of providing services on derogatory changes to the clients
reports
after the date of this agreement.  Client understands that the addition of new derogatory information will negatively impact
the results of Omega's service, and doing so negates any service warranty.  Additionally, through this electronic signature, client
authorizes Omega and it’s agents, and business partners to obtain, review, and retain credit reports from all three major credit
bureaus.  An original, unmarked copy of all credit-related correspondence from any creditor or credit reporting agency must be
mailed to Omega within 5 (five) business days of receipt.  These services are time-sensitive, and failure to do so would
significantly diminish the effectiveness of said services, and failure to comply will negate any service warranty, express or
implied.  Client understands that Omega will remove erroneous, outdated, or incorrectly reported information from the bureaus,
as allowed by state and federal law, and understands that Omega makes no claim beyond those changes allowed by state and
federal law.  This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information.    
Additionally, client understands that no guarantee of
any particular score is made through this agreement, as doing so would
imply an intimate knowledge of the proprietary formulas used by the credit scoring models to calculate score, that Omega does
not possess.  Moreover, the examples used on the website and through other means are used for illustrative purposes only, and
that individual results will vary based on individual credit situations. Client also understands that, while every effort to avoid doing
so will be made, it may be necessary to settle some debts with the creditors themselves to improve the client’s credit rating upon
completion of this contract.  Client gives Omega, it’s agents, officers, employees, and designees the authority to communicate
and negotiate with creditors and credit reporting agencies, including the signing of the client’s name, for which this limited power
of attorney is given.  Client understands that negotiating or corresponding in any manner (telephone, mail, etc.) with creditors,
collection agencies, and credit reporting agencies during the agreement period could significantly, negatively impact the results.

There is a NO UP-FRONT FEE for any credit repair service performed by Omega.  The credit/debit card entered in the payment
forms during the enrollment process will be charge $.01 to verify that the card is valid, and that $.01 will be refunded immediately
after it settles, and the account is verified as valid.  
Individuals will be charged $199.00, and couples will be charged $299.00 at the commencement of the first month of service, for
the services performed during that month.
Services provided during that time will consist of one or more of the following:
  • creating a manual and electronic client file
  • obtaining client(s) credit reports
  • audit/review of credit information contained on consumer credit reports
  • creation of a list of potentially actionable items
  • initial requests of validation/verification information regarding client-approved accounts from creditors and credit bureaus
  • processing of any correspondence mailed to Omega by client upon receipt

Beginning with the commencement of the second month, individuals will be charged $99.00, and couples will be charged$139.00,
for the services performed during the preceding month.  Although specific situations and circumstances will vary on a per-case
basis,  services provided during that time will consist of one or more of the following:

  • no less than one telephone/email update per completed 30 day cycle
  • obtaining updated consumers credit reports as needed, no less than once per 90 days
  • audit/review of credit information contained on updated consumer credit reports
  • audit/review of creditor responses
  • action on creditor responses, as need
  • subsequent requests of validation/verification information regarding client-approved accounts from creditors and credit
    bureaus


All reports obtained by OMEGA through this contract, and for a period of 18 months after its completion, are the sole property of
OMEGA. The reports are used exclusively for the purpose of analysis and review of consumer client credit, and are not
distributable, either to the client, or to any agent thereof.  If client wishes to have copies of creditor/bureau correspondence, client
must make the copies for themselves, in advance of their submission to Omega for review or processing.  It is imperative that
client send Omega UNMARKED ORIGINALS OF ALL RELEVANT CORRESPONDENCE WITHIN 5 DAYS OF RECEIPT.  
NO PHOTOCOPIES WILL BE ACCEPTED.

Upon expiration of the 3 day right of recission allowed by Texas law, the service is cancellable at any time after the 90th day, with
a 30-day written notice.  Any payments scheduled during your 30 day notice will be processed as scheduled.

In the event that any payment is declined, OMEGA is authorized to charge any amount, up to the scheduled payment amount, until
such time that the full amount due, including late fees, is collected.  There will be a $30 late fee for any returned, declined, late, or
charged-back payments.  If client requests a normal a payment date be moved, up to 10 days from the original date, a $25.00 fee
will be charged at the time of that request, with the full payment amount due at the time of the rescheduled payment.  A move in
any single payment date will not affect the date of future payments; the same $25.00 fee will apply to all moved payments, subject
to the same terms.  In the event that a payment date must be moved, all work on the file will be suspended until such time that the
agreed upon fees have been paid. Client also affords Omega all collections mechanisms allowed by law, and the right to recover
all collection costs, including, but not limited to, returned or cancelled payment fees, attorney’s fees and court costs.  

Any delinquency nullifies this agreement and any warranty, express or implied.  Client understands that should OMEGA be called
upon to assist in any legal proceeding wherein civil action has been filed by or against a third party, OMEGA may charge additional
fees for that service, subject to a separate agreement. Client grants Omega the exclusive right to perform repairs and
corrections on the credit bureaus and with creditors.  Contracting any other organization or firm, negate any service warranty by
Omega.  Client agrees to hold Omega harmless such that it will not be liable or responsible for any claims or damages arising
from services performed as they are outlined in this agreement.  In any event, the extent of any liability on the part of Omega will
be limited to the amount of fees paid to Omega, and any actual damages suffered by client as a direct result of any negligence on
the part of Omega.  Information regarding the service warranty, and consumer rights as allowed for by state and federal law are
available on this website, and client fully understands and agrees with all terms and conditions.  Client understands that it is the
right of any consumer to execute similar disputes on their own behalf, but has willfully elected to allow Omega to perform the
services for the posted and agreed upon fee.  Additionally, by virtue of this electronic signature, client acknowledges
understanding of and agreement to the policies, terms,  and conditions outlined in this paragraph, and has been made aware of
his rights as a consumer in matters of credit reporting through all applicable and necessary laws and disclosures. Client
acknowledges receipt of the information required by the
Texas Finance Code and Credit Repair Organizations Act regarding
credit services organizations.  Finally, by virtue of the submission of this online registration, client acknowledges the submission
of client's electronic "signature", and certify that all information on the following form is genuine, and is being submitted by the
party or parties listed.  Submission of false information will be construed as fraud, and Omega will vigorously pursue, or aid in
pursuing on behalf of any injured party, any and all civil and criminal penalties or liabilities against any and all parties responsible
for the intentional misuse of this form, or from any information gained as a result of submission of fraudulent information with this
form. Client understands that although client has every right to execute the same actions on their own behalf, client has elected
to pay a fee for these services.  Client agrees to allow Omega Credit Repair & Counseling Services to charge the credit or debit
card used to secure the payment or payments, as outlined above, for services to be performed, subject to the repayment terms
and conditions of the card holder agreement for that card.

Omega’s registered agent for service is NRAI, Inc., 16055 Space Center Blvd. Ste. 235 Houston, TX 77062.

This agreement can be cancelled, free of charge or penalty, for three business days after it has
been signed.  Simply send a copy of this document, with the word '
CANCEL' across the top, via
certified mail to PO Box 3705 McKinney, TX 75070.

By clicking the corresponding service link on this page, you:

  • agree to and acknowledge, all charges that you are authorizing on the payment portion of this
    enrollment, and the policies regarding late, declined, charged-back, and returned payments
  • agree to and acknowledge, all of the terms and conditions contained in this form
  • attest to having printed TWO copies of this agreement, and all applicable disclosures
  • acknowledge and fully understand  your rights as a consumer, both federal and state, and have no
    questions concerning either
  • are fully aware of the pricing,  warranties, and cancellation policies included in this form
  • are aware that a failure to actively participate in the credit repair program can, and most likely
    WILL lead to significantly diminished results
  • acknowledge that it may be necessary for you to establish additional credit lines to experience the
    greatest benefit to your credit scores, and failing to do so will likely impede your progress
  • acknowledge that you have been advised of the importance of mailing ALL CREDIT-RELATED
    CORRESPONDENCE TO OMEGA WITHIN 5 DAYS OF ITS RECEIPT
  • understand that any change in address or contact information must be reported to OMEGA within
    10 days of that change
  • understand that you must complete a mail forwarding order within 10 days, if there is a change in
    address to avoid any unnecessary delays in receipt of mail
  • ARE FULLY AWARE THAT CANCELLATIONS MUST BE MADE IN WRITING, NO EARLIER THAN THE 90TH
    DAY OF THIS AGREEMENT, THAT NO VERBAL, OR ELECTRONIC CANCELLATIONS WILL BE HONORED,
    THAT ALL CANCELLATIONS AFTER THE EXPIRATION OF THE 3 DAY RIGHT OF RECISSION ALLOWED
    BY TEXAS LAW REQUIRE A 30 DAY NOTICE, AND THAT ANY PAYMENTS SCHEDULED DURING THAT 30
    DAYS WILL BE PROCESSED AS SCHEDULED.