📜 Terms and Conditions

Effective upon signing, these Terms and Conditions outline the scope of services, mutual responsibilities, and legal disclosures associated with our credit education and document processing services.

1. 📁 Required Documentation

Before initiating any services, you will be required to review and sign the following documents:

• Client Services Agreement

• Authorization for Credit Repair Action

• Consumer Credit File Rights (CROA) Disclosure

• Right of Cancellation Notice

These documents are designed to protect your rights and ensure transparency throughout the process.

2. 🔧 Scope of Services

Our credit services may include, but are not limited to, the following:

• Credit Report Evaluation:
  We will carefully review your credit reports from applicable credit reporting agencies to identify inaccurate, outdated, false, or erroneous entries.

• Item Selection & Dispute Strategy:
  You will select which items you wish to dispute. Our team will guide you on the most appropriate steps to challenge questionable information.

• Dispute Correspondence:
  We will draft and submit dispute letters on your behalf to the relevant credit bureaus based on the items you’ve selected.

• Follow-up Support:
  You agree to forward any responses or correspondence received from credit bureaus to us. We will assist in preparing additional follow-up documentation when needed.

• Ongoing Coaching & Monitoring:
  Our consulting and support may be conducted through one or more of the following: in-person meetings, phone calls, webinars, video conferencing, or email during regular business hours.

3. 💰 Fees and Payment Terms

All fees for services rendered will be outlined in your individual Client Agreement. By signing the agreement, you acknowledge and accept the stated fees.

4. ❌ Right to Cancel

You have the unconditional right to cancel your agreement within three (3) business days from the date of signing. To cancel, simply submit a written notice in accordance with the cancellation instructions provided in your Client Agreement.

5. ⚠️ Disclaimer

Our company offers credit education and information services. We are committed to delivering accurate, timely, and easy-to-understand information. However:

• We do not provide legal advice.

• For legal matters or the interpretation of laws as they apply to your individual circumstances, we recommend consulting a licensed attorney.