Retainer
Agreement
This Retainer Agreement ("Agreement") is entered into as of [DATE], by and between HLP Credit Solutions Corporation, a Texas corporation ("HLP"), and [CLIENT NAME] ("Client").
1. Engagement
Client engages HLP to provide the following services:
- ☐ Tier I · Credit Restoration
- ☐ Tier II · Homebuyer Readiness
- ☐ Tier III · Financial Literacy & Advocacy
2. Term
Engagement begins on the date of this Agreement and continues for the estimated period stated in the Engagement Letter. Either party may terminate per Section 5.
3. Fees
Client agrees to pay HLP the fees stated in the Engagement Letter. Per CROA § 405(b), HLP does not accept advance payment. Fees are billed monthly against milestone completion. Payment due Net 14. Late fees accrue at 1.5% per month.
4. Scope of Work
HLP will:
- Conduct a 3-bureau forensic audit of Client's credit file
- File Metro 2-formatted disputes under FCRA § 611 and 623 on inaccurate items
- Provide monthly milestone reports
- Coordinate with Client's designated lender/realtor/title partner (with authorization)
- Deliver strategy sessions per the Engagement Letter cadence
5. Right to Cancel
Client has the right to cancel this Agreement without penalty within 3 business days of signing, per CROA § 407. To cancel, notify HLP in writing at hello@hlpcredit.com. After 3 days, Client may cancel with 15 days' written notice; Client pays only for services performed through the cancellation date.
6. No Guarantee
HLP does not guarantee specific score outcomes, dispute results, or lending approvals. Credit outcomes depend on numerous factors outside HLP's control.
7. Consumer Rights Notice
Client acknowledges receiving the Consumer Credit File Rights Under State and Federal Law disclosure required by CROA. See the accompanying document.
8. Governing Law
This Agreement is governed by the laws of Texas. Disputes will be resolved by binding arbitration in Tarrant County, Texas.