This agreement is entered into between Blue Island LLC, a Hawaii Limited Liability Corporation, and the party (“You”) utilizing the 609 credit repair Web Site (“Site”). Your use of this site is your express and explicit agreement to be bound by this agreement, commonly referred to as the “Terms Of Use” (“TOU”). If you do not agree to be bound by this agreement, you must not use this site and must leave the site immediately.

THE ARTICLES AND MATERIALS DISPLAYED ON THE SITE AND SENT TO YOU ARE FOR INFORMATIONAL PURPOSES ONLY, THIS IS NOT A SUBSTITUTE FOR PROFESSIONAL AND SPECIFIC FINANCIAL, TAX OR LEGAL ADVICE. THIS INFORMATION SHALL IN NO WAY AND IN NO MANNER BE CONSIDERED FINANCIAL, TAX, LEGAL ADVICE OR OTHER PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR.

Blue Island LLC makes no warranty and does not represent nor endorse the accuracy of any advice, opinion, statement, or other information displayed on the site. Your continued use of the site is predicated upon your agreement that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole and own risk. Blue Island LLC reserves the right, in its sole discretion, to modify or correct any errors or omissions in any portion of the site. This website is an educational service that provides general credit repair information. The materials in www.609creditrepair.com are provided “as is” and without warranties of any kind either express or implied.

The website’s content is not a substitute for direct, personal, professional financial, tax, or legal advice. We are not CPAs, Financial Advisors or Lawyers and anything in this website should be cleared with your financial advisor, CPA or lawyer.

Information is believed to be accurate at the time of creating 609creditrepair.com. All data provided on this website is to be used for informational purposes only.

Blue Island LLC reserves the right to restrict or terminate one’s use of the site in part or in whole for any reason or for no reason, at any and all times. Your use of the site is granted on an as is available basis, subject to the discretion of Blue Island LLC.

Testimonials found at 609creditrepair.com are results that have been forwarded to us by users of the 609 credit repair products and services, and may not reflect the typical user’s experience, may not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results.

You agree to indemnify, defend and hold the Blue Island LLC team and all its officers, directors, owners, agents, employees, information providers and affiliates (collectively referred to as the “Indemnified”) harmless from and against any and all liability and costs incurred by the Indemnified in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants, including, without limitation, attorneys’ fees and costs.

You shall cooperate as fully as reasonably required in the defense of any claim. Blue Island LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the prior written consent of Blue Island LLC.

Should any part of the Terms of Use by declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

You agree that this site, the information provided, the Terms of Use and all other agreements are given and made pursuant to Hawaii law.

THIS TERMS OF USE AGREEMENT, SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF HAWAII, 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 HAWAII.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair organization has the right to have accurate, current, and verifiable information removed form 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 for 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 violates 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 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 the accuracy of information in your credit file. 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