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Terms & Conditions

You are entitled to a 100% refund of your payment if:

- We do not remove any negatives worked on.

- You have had 120 days (4 months) from the time that you retain our services.

- You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.

- You have had no new collections or missed payments during the time frame we are assisting you.

-You have maintained credit monitoring services at all times during the time frame we are assisting you.

- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.

 -Clients should receive updated credit reports every 35-45 days. It is the client's responsibility to make us aware if updated reports have not been received.

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

-Credit Service Agreement

-Authorization for Credit Repair Action

-Consumer Credit File Rights- CROA Disclosure

-Right Of Cancellation Notice

The services we perform may include:

Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports. We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports. You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies. Consulting, coaching, and monitoring services are conducted by telephone, email, personal meetings, webinars, video conferencing, or by any other form of communication during normal business hours.

In return, for the services above, you agree to pay the fee as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.

It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we DO NOT provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please contact an attorney. ​

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