Can any charges for credit reports be passed on to the All Team user?
All_Team Franchise · 2025 FDDAnswer from 2025 FDD Document
Although ATFC provides as a service to USER a credit investigation of the client through a third party, the final decision on whether or not to extend credit shall rest with USER and ATFC is not responsible for non-payment by Customer or the creditworthiness of the Customer, nor is ATFC responsible for the accuracy of information provided by third parties. Any charge for credit reports may be passed on to USER
Source: Item 23 — RECEIPT (FDD pages 34–161)
What This Means (2025 FDD)
According to All Team's 2025 Franchise Disclosure Document, the franchisor, ATFC, provides a credit investigation service of the client through a third party. However, the final decision to extend credit rests with the All Team user. ATFC is not responsible for non-payment by the customer or the creditworthiness of the customer, nor is ATFC responsible for the accuracy of information provided by third parties. The FDD states that any charges for credit reports may be passed on to the All Team user.
This means that as an All Team franchisee, you may be responsible for covering the costs associated with credit reports obtained through ATFC's third-party service. While ATFC offers this service, the ultimate decision on whether to extend credit to a customer lies with you, and you assume the risk of non-payment.
It is important to note that ATFC is not liable for the accuracy of the information provided in these credit reports. Therefore, it is crucial to carefully review and evaluate the credit information before making a decision to extend credit to a customer. Understanding this policy is essential for managing financial risks and making informed decisions about extending credit to clients.