This Wasatch Credit Consulting, LLC Web Site (this “Site”) Terms of Use Agreement (the “Terms of Use”) is between the party using this Site (“you”) and Wasatch Credit Consulting, LLC (“we” or “us”), with a principal place of business at 385 Ironwood Drive, Salt Lake City, UT 84115.  By using this Site you agree to be bound by the terms and conditions of use set forth in these Terms of Use.  This is a legally binding agreement.  Any use of this Site implies agreement with these terms and conditions.  If you do not agree to these terms you must leave this immediately.

1. We agree to provide access to this Site on an “as-is” basis in a manner consistent with these Terms of Use.  We make no warranties as to its use or applicability for any purpose.  This includes, but is not limited to all content, software, material, and information.  Wasatch Credit Consulting, LLC and its affiliates make no representation or warranty of any kind, that the content of this Site, its functionality, or operation is error free, free from defect or that any defects will be corrected.  In no instance will Wasatch Credit Consulting, LLC, or its affiliates be liable for any damages, real or assumed, direct or indirect, or punitive or consequential incurred as a result of the use of this Site, or the information or materials contained within it.  This includes, but not limited to, any loss of income or profits, damages to third parties, contractual responsibilities, negligence, or any tort.
2. You agree to use this Site in a manner consistent with these Terms of Use.  Any use of this Site implies that you have read and agree to these Terms of Use.  If you do not agree to these terms you should leave this Site immediately.
3. Access to and use of this Site and its content may be terminated at any time by either party by sending notice to the other party.
4. You hereby agree to indemnify, defend and hold Wasatch Credit Consulting, LLC, and all its officers, directors, owners, agents, employees, information providers, affiliates, (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use including, without limitation, attorneys’ fees and costs.  You shall cooperate as fully as reasonably required in the defense of any claim.
5. Should any part of these Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion of these Terms of Use and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been omitted.
6. THESE TERMS OF USE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS.  SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN THE STATE OF UTAH.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW (Pursuant to Credit Repair Organizations Act, 15 U.S.C. Sec. 1679D) You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.  However, neither you nor a 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 up to 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 violated 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 three 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 that 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