Terms & Conditions

A legal disclaimer

This Agreement is between, “client”, hereafter known as (“Consumer”), and Isene, hereafter known as (“the “Company”).

The Company’s services are designed to assist in the removal of inaccurate, erroneous, and obsolete items from Consumer’s credit report. The Company’s services include but are not limited to customized disputes of negative items reflected on Consumer’s credit report.  The Company will only dispute items on Consumer’s credit report that are on Consumer’s report at the time this Agreement is signed. If any derogatory items are added to Consumer’s report during Consumer’s services, Consumer will be counseled on what derogatory items were added and a plan of action will be provided. Please note, if additional items are added to Consumer’s credit report, the process of credit restoration may be extended, and a new contract provided.

Terms & Conditions 

Consumer will pay an initial start up fee of $100.00. The start up fee includes the onboarding of Consumer; a detailed audit analysis of Consumer’s financial health; processing and verifying client’s information via the web portal; responding to, receiving and/or initiating (telephone calls, emails, facsimile, or mail); and creating a strategic plan to assist client in lawfully addressing concerns in the Consumer’s credit file.

• An educational counseling session that will provide information regarding the following:

  • Managing Household Finances: This includes goal setting, identifying income and expenses, separating needs from wants, designing a customized budget for Consumer’s needs, putting a budget into action, managing seasonal expenses, and setting goals for the future.

  • Managing Credit and Debt: This includes creating and implementing a strategic budget management plan specifically for credit card and overall debt. Consumer will receive guidance and tips on paying down debt.

  • Budgeting: This includes identifying income and compiling a budget that fits Consumer’s specific needs and wants.

  • Personal Savings Strategies- This includes providing guidance and tips regarding ways to save.

• Credit Restoration Services to include the following, but not limited to:

  • Credit Education

  • Credit Building

  • Three (3) Bureau Analysis

  • 24/7 Client Portal

  • Monthly Updates Regarding Scores

  • Unlimited Disputes

Thereafter Company will charge a monthly fee of $50.00 for services previously rendered during that month which shall include some or all of the following: (1) preparing and sending credit repair communications on Consumer’s behalf; (2) confirming with Consumer the accuracy of each item Company disputes before initiating any dispute; (3) receiving and reviewing Bureau and Furnisher correspondence sent to us directly by Consumer; (4) drafting dispute letters; (5) assisting Consumer with credit and/or finance related questions and providing basic ongoing credit education; (6) monitoring and analyzing Consumer’s case; and (7) keeping Consumer abreast of Company’s efforts during the credit repair process.

The first payment is due 30 days following the completion of onboarding and Consumer audit analysis. Thereafter, payments are due on the same date each month. The monthly payment will be automatically withdrawn from Consumer’s specified checking account each month.  If a payment is declined, Consumer will receive both oral and written communication from the Company, reminding Consumer that payment is due. Failure to make payment on the 3rd day will result in immediate termination from the program. No exceptions.  Invoices will be provided upon request.

Consumer should expect to spend a maximum amount of $300.00 over the course of six (6) months (180 days) for the Company’s services, beginning on the date Consumer signs this Agreement, unless Consumer or Company cancels service prior to the expiration of six (6) months.