Term 1: I understand that my setup fee will be charged the day I enroll, and my first monthly payment will be paid on the first day of the following month. Term 2: I understand that it may take up to 90 days for payments to appear on my credit report, and that payments will appear on my credit report as Consolidation Capital payments. Term 3: I understand and acknowledge that this program is not a loan or savings account. I will not receive funds or payments back (unless I qualify for the money-back guarantee). Payments are not held in escrow and will not be reimbursed like a secured loan. Term 4: I understand that the default term of this agreement is 48 months, but that I can cancel at any time. Term 5: I understand that I should not start this program if I am in an active bankruptcy. I should wait until my bankruptcy has been confirmed or discharged. Term 6: I understand that I will receive a Welcome email within 72 hours of enrolling, and that I can find my next steps at 720creditscore.com/credit-rebuilder-program/next-steps.