Consent to electronic records and signatures
Last updated 2026
Our whole process runs online: you sign the agreement in a browser, your documents live in a portal, and we email you when something changes. Federal law lets us do that only if you agree to it knowingly, so this page sets out exactly what you are agreeing to and how to change your mind.
1. What your consent covers
When you tick the box on the enrollment form, you agree that we may provide the following electronically rather than on paper:
- the service agreement and anything that amends it;
- the Consumer Credit File Rights disclosure and the Notice of Cancellation;
- receipts, invoices and refund confirmations;
- case updates, dispute results and correspondence about your file;
- any notice or disclosure the law would otherwise require in writing.
2. Your electronic signature
Typing your name where the enrollment form asks for a signature is your signature. It has the same legal effect as signing on paper. We record the name you typed, the date and time, and the IP address it came from, and we keep that record for as long as we are required to.
3. What you need to read and keep these records
A current web browser, an internet connection, an email account you can receive mail at, and enough storage to save or print a PDF. If you cannot meet all of these, do not consent, and contact us instead so we can send paper.
4. Getting a paper copy
You may ask for a paper copy of any document at any time, before or after you enroll, and we will not charge you for it. Email [email protected] or write to 1046 Princeton Dr Waterford MI 48327. Asking for paper does not cancel your consent and does not affect your case.
5. Withdrawing your consent
You may withdraw this consent at any time, at no cost, by emailing [email protected]. Withdrawal takes effect once we have had a reasonable chance to act on it, and it does not undo the validity of anything already signed or sent electronically. If you withdraw it, we will send future documents on paper to the address we have for you, which may slow your case down.
6. Keeping your contact details current
Tell us when your email address changes. You can update it yourself in your portal. If mail to you starts bouncing we may suspend electronic delivery until we can reach you.
7. Scope
This consent applies to VelosifyCredit LLC and to the services described in your service agreement. It does not extend to any other company.