You understand and agree that Credit and Debt has not made any untrue or misleading statements, or statements that should be known (upon the exercise of reasonable care) to be untrue or misleading, to any consumer reporting agencies with respect to your credit worthiness, credit standing, or credit capacity, which would be in violation of the Credit Repair Organizations Act, Section 404(a)(1).
You understand agree that Credit and Debt has not made any untrue or misleading representations to induce you to purchase any credit repair services, which would be in violation of the Credit Repair Organizations Act, Section 404(a)(3).