New York Laws
Article 28-BB - Credit Services Business
458-F - Contracts; Requirements and Contents.

(a) A complete and detailed statement of the services to be performed
and the results to be achieved by the credit services business for or on
behalf of the consumer, including a list of the adverse information
appearing on the consumer's credit report that will be modified, a
description of the precise nature of each modification, and the
estimated date by which each modification will occur. A copy of the
consumer's current credit report issued by a consumer credit reporting
agency shall be annexed to the contract with the adverse entries
proposed to be modified clearly marked.
(b) A statement in at least ten point type as follows:
"Under New York law no fee may be collected in advance of performance
of the services specified in this contract."
2. The contract shall be accompanied by a completed form in duplicate,
captioned "Notice of Cancellation," which shall be attached to the
contract and easily detachable, and which shall contain in at least ten
point type the following:
"Notice of Cancellation"
"You may cancel this contract, without any penalty or obligation,
within three days from the date the contract is signed.
"To cancel this contract, mail or deliver a signed and dated copy of
this cancellation notice, or any other written notice,
to____________________ at
(date)
"I hereby cancel this transaction."
________________________________________________
(date)
3. A copy of the fully completed contract and all other documents
shall be given to the buyer at the time the contract is signed.