We agree to conduct ourselves in accordance with standards and practices that allow us all to achieve our mission through our speech, behavior, conduct, ethics and professionalism. We Agree To:

Remember that Citizens Credit Bureau is not a “credit repair” organization. We are a credit reporting agency.  Citizens Credit Bureau markets online educational materials. The score monitoring service is an option offered to the Member free of charge.

·         Honor all agreements made to other Affiliates, Brokers, and Representatives and businesses and handle their clients according to their policies and procedures.

·         Make sure Members supply new credit reports, with Fico, Beacon, and Empirica scores every 60-90 days, so we can properly serve them.

·         Be sure Members know when their Membership fee will be charged. Retrieve complete and accurate Member information.

·         Make sure Members understand how to cancel. They need to notify Citizens Credit Bureau in advance.  If a stop payment on a draft, or a credit card reversal is initiated, without contacting us to notify us of the change, Member will be charged a $20.00 returned payment charge.

·         All employees will do everything possible to obtain and maintain a high credit score in order to be effective in your sales presentation and to be an example to those you serve.

·         Make sure Members understand, they MUST have an e-mail address to be a Member in good standing.

·         If signing a Member by phone send confirmation e-mail to the new Member and to CCB indicating consent to draft their account or credit card.

·         Associate will pre-qualify all potential Members and determine how to best serve their interest, and determine if services are desired and justified at the time of sign-up. Be familiar with, and sensitively discuss Members’ needs and difficulties.

·         Never over-sell or over-promise services just to make a sale. It may take 12-16 months for Members to see actual improvement in their credit scores. Remember this is a slow, tedious process.

·         Maintain Member information in high confidentiality, honoring their privacy.  Be deliberately careful to ensure non-disclosure of Members’ financial information.

·         Be familiar with Citizens Credit Bureau’s presentation and policy materials. Explain products and services accurately and completely.

·         Present a non-aggressive, non-abusive presentation of services.

·         Never charge the Members a higher fee than the fee structure approved by Citizens Credit Bureau.

·         Ensure Member agrees to the Membership Agreement and Score Monitoring Service Addendum in writing or by digital signature.

·         Timely and effectively submit all payments, paperwork and information.  Be accountable for completeness and accuracy of all paperwork. Effectively follow up with Citizens Credit Bureau and Members to ensure delivery of services.

·         Be accountable and responsible for payment of monies. Unless otherwise specified by Citizens Credit Bureau, all monies will be collected and disbursed by Citizens Credit Bureau. Citizens Credit Bureau must approve all exceptions in writing.

·         Obey all federal and local laws and conduct yourself in a fair, reasonable and ethical manner.  Be honest in every aspect of dealing with Members, their creditors, and the public

·         Not slander, libel or otherwise talk disparagingly about other businesses or professionals who are in a like or similar business as ours.