Credit Services Agreement

This Credit Services Agreement (“Agreement”) is entered into between you (“Client”) and Cinco Capital Lab LLC, d/b/a G Cinco (“we,” “us,” or “the Company”) upon Client’s purchase of any service on gcinco.vercel.app. By completing checkout, Client acknowledges receipt of this Agreement, the Privacy Policy, the Refund Policy, and the federally required Consumer Credit File Rights notice (see Section 7 below).

1. Services Provided

We will provide Done-For-You credit-repair services on Client’s behalf, including:

• Initial review of Client’s three-bureau credit reports
• Drafting and filing of dispute letters with Experian, Equifax, and TransUnion challenging items the Client and the Company believe to be inaccurate, unverifiable, outdated, or otherwise eligible for removal under the Fair Credit Reporting Act (FCRA)
• Up to three rounds of escalation per disputed item, including method-of-verification requests, creditor validation requests, and CFPB / state-AG complaints where appropriate
• Status updates emailed to Client as bureaus respond

2. Schedule of Fees & No Hidden Charges

Fees are charged in full at checkout via Square. G Cinco offers one service:

• Credit & Funding Consultation: $350.00 USD (one-time)

This is a single one-time charge. There are no recurring charges, no subscription, no per-letter fees, and no contract minimums.

3. Term & Estimated Duration

The estimated duration of services is 60 to 180 days from receipt of complete onboarding documents and active MyFreeScoreNow enrollment. Some cases conclude sooner, some take longer depending on creditor response time. We do not promise a specific completion date.

4. Client’s Obligations

Client agrees to provide truthful and complete information during onboarding, including:

• Legible copy of government-issued ID showing all four corners
• Copy of Social Security card
• Recent proof of address dated within 90 days
• Active enrollment and read-only login to MyFreeScoreNow (or equivalent 3-bureau monitoring)
• A signed Limited Power of Attorney authorizing us to file disputes on Client’s behalf

5. No Guarantee

We make no guarantee that any specific item will be removed, that Client’s credit score will increase by any specific amount, or that any creditor will respond favorably. Past results do not predict future outcomes. Federal law (Credit Repair Organizations Act, 15 U.S.C. § 1679b) prohibits credit-repair companies from making such guarantees.

6. 3-Day Right to Cancel

Client may cancel this Agreement without penalty or obligation within three (3) business days after signing it. To cancel, email support@cincocapitallab.com with the subject line “Cancel — 3-Day Right.” A full refund will be issued within 5 business days. After the 3-day period, refunds follow the pro-rated schedule in our Refund Policy.

7. Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

8. Entire Agreement

This Agreement, together with the Privacy Policy, Refund Policy, and Terms of Service, constitutes the entire agreement between Client and Cinco Capital Lab LLC (d/b/a G Cinco) and supersedes any prior verbal or written representations.

9. Acknowledgment

By completing checkout, Client confirms they have read, understood, and agreed to the terms of this Agreement, and acknowledges receipt of the Consumer Credit File Rights notice in Section 7 above.

10. Contact

G Cinco — a brand of Cinco Capital Lab LLC
1164 Bishop St, Ste 940 #742, Honolulu, Hawaii 96813
support@cincocapitallab.com
808-970-3144