Kredit MD performs one or more of the following services (known as "First Work") before you pay: Enters your personal data and one or more credit reports into its secure database; Provides you with a login to access the Kredit MD customer portal and grants access to financial tools; Collects information and instructions from you regarding your particular circumstances and how you wish to proceed; Analyzes your situation; and prepares and sends one or more communications on your behalf.

Subsequently, Kredit MD typically performs one or more of the following ongoing and periodic services as appropriate in its judgments and discretion: Receives and reviews Bureau and Furnisher correspondence sent to us directly by you; Monitors and analyzes your credit account status; Provides you with updates regarding your status; and prepares and sends one or more additional communications on your behalf.

FICO and "The score lenders use" are trademarks or registered trademarks of the Fair Issac Corporation in the United States and other countries.

© 2020, by Xennial Investments LLC All Rights Reserved.

J. Woodfin, Registered Agent, Xennial Investments LLC Dba Kredit MD 3410 La Sierra Ave Ste. F474 Riverside, CA 92503