Terms & Conditions

In this agreement, the party who is enrolling and registering to receive the Personal Financial Consultant Services of Providential Foundation, LLC shall be referred to as “the client(s)”, and the party who will be providing Personal Financial Consultant Services shall be referred to as “Providential”. The parties agree as follows:


The term of this agreement shall be for a period of 12 months.


This Personal Financial Consultant Services agreement between Providential and the undersigned “Client” (refers to both in case of a couple) is for the purpose of obtaining Personal Financial Consultant Services (the “Services”). The “Services” will include guidance, advice and assistance in the areas of credit restoration, credit line establishing and/or collection agency negotiations, preparation of correspondence to credit bureaus to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information, which the “Client” states appears on the credit reports which the “Client” has furnished Providential, for the purpose of preparing the “Client” for homeownership by meeting typical credit requirements. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. Providential agrees to use its best efforts to provide the “Services”, and will perform them in accordance with federal and state laws.


The “Client” agrees to send, via fax, mail or email, or digital upload when available, all credit reports and/or correspondence received from credit bureaus and/or creditors to Providential within five (5) days after the date received.

The “Client” also agrees to refrain from attempting any of the following actions;

  • Repairing their credit on their own.
  • Hiring any credit repair companies to work on their credit.
  • Pull their own credit reports.
  • Applying for any credit cards, credit lines, payday loans or equivalent.
  • Applying for a mortgage or any loans, etc.

Attempting any of the actions mentioned of any other action affecting credit status or homeownership potential is grounds for immediate termination of the program and invalidates any and all refunds, guarantees and warranties made available. Termination of the program due to the aforementioned is at the sole discretion of Providential Foundation, LLC.


The “Client” understands that there will be no fee for the Personal Financial Consultant services or any other charges associated with the “Services”. The “Client” understands and agrees that there will be no fee for continuing Personal Financial Consultant Services, for all correspondence associated with Personal Financial Consultant Services, the review for changes requested by the “Client” to the “Client’s” credit reports as a result of contacts made on the “Client’s” behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report improvement. The only cost to the “Client” is an administrative Document and Processing Fee. All credit repair services are included free of charge in the program.


By executing this agreement to obtain Providential’ Personal Financial Consultant Services, the “Client” grants Providential, during the term of this contract, a limited power of attorney, by and through its authorized representatives, to the following,

  1. Use the Customer Information that the “Client” provided in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of “Client’s” credit reports, “Client’s” credit history or other creditor information for the “Services”;
  2. Use “Client’s” name to sign correspondence addressed to creditors, recordholders

    and credit bureaus;

  3. Obtain credit information over the telephone, fax, and or through the internet from record holders;
  4. To monitor “Client’s” credit;
  5. To dispute items on “Client’s” credit report(s);
  6. To negotiate and apply for credit for “Client”;
  7. To discuss information with any record holders to help resolve a debt if mediation of a debt isnecessary .

Providential acknowledges that its authorized representatives have been alerted to the sensitivity of the customer Information. As such, Providential will use its best efforts to ensure that customer information will be handled in a responsible and professional manner. The “Client” shall have the right to revoke or terminate the limited power of attorney provided under this agreement at any time upon written notice to Providential. Termination of Power of Attorney authorization may result in an immediate termination of the program. Termination of the program may invalidate any and all refunds, guarantees and warranties made available. Termination of the program due to the aforementioned is at the sole discretion of Providential Foundation, LLC.

Otherwise; the limited power of attorney shall terminate upon termination of this agreement. All questions pertaining to validity, interpretation and administration of this agreement shall be determined in accordance with the laws of Florida. “Client” agrees that the “Client’s” limited power of attorney is valid throughout the United States for all client information to be obtained by Providential pursuant to this agreement by the binding and enforceable signatures set forth below. This agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.

The “Client” agrees to indemnify and hold Providential, their agents, brokers, affiliates, partners and employees, harmless from all claims, losses, expenses, fees including attorney fees, costs, judgments that may be asserted against the “Client” that result from the acts of omissions.