Credit Repair Services Agreement

1. Credit Repair Organizations Act (CROA) — Required Disclosures

Your 3-Business-Day Right to Cancel

You may cancel this Agreement, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed it. If you cancel, any payment made by you under this Agreement must be returned to you within 10 days following receipt by us of your cancellation notice.

To cancel, send a signed, dated written notice to:

We recommend sending cancellation notice via email with read-receipt or certified mail to create a timestamped record.

2. Fair Credit Reporting Act (FCRA) — Consumer Rights Summary

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., gives you important rights regarding your credit information:

• You must be told if information in your file has been used against you in a credit, insurance, or employment decision.
• You have the right to know what is in your file and to request a free annual credit report from each bureau at AnnualCreditReport.com.
• You have the right to ask for a credit score and to dispute incomplete or inaccurate information.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information, usually within 30 days.
• Consumer reporting agencies may not report outdated negative information (generally, negative information older than 7 years; bankruptcies older than 10 years).
• Access to your file is limited — only people with a valid need may access your report.
• You may seek damages from violators under state or federal law.
• Identity theft victims and active duty military personnel have additional rights.

For more information, visit the Consumer Financial Protection Bureau at consumerfinance.gov or the FTC at ftc.gov.

3. Services & Scope

Our credit repair services include, but are not limited to:

• Review of your credit reports from Equifax, Experian, and TransUnion
• Identification of items that may be inaccurate, incomplete, unverifiable, or outdated under the FCRA
• Preparation and submission of written dispute correspondence to credit bureaus and/or original creditors on your behalf
• Monitoring of bureau responses and follow-up correspondence as appropriate
• Progress reporting and client communication throughout the dispute process
• Credit education and guidance on positive credit-building strategies

What We Will NOT Do

• We will not advise you to make false statements to any credit bureau, creditor, or government agency
• We will not create a new credit identity for you or advise you to obtain an EIN to use in place of your Social Security Number — this is illegal
• We will not dispute accurate, verifiable information on your credit report
• We will not guarantee the removal of any specific item from your credit report
• We will not guarantee a specific credit score increase
• We will not provide legal advice, financial advice, or credit counseling as defined under applicable law

4. No Guarantee of Results — Important Disclosure

Any testimonials, case studies, score increases, or client results displayed on our website represent individual experiences and are not typical. Your results may be materially different. Factors affecting outcomes include, but are not limited to:

• The accuracy and verifiability of items on your credit report
• The policies and procedures of individual credit bureaus and creditors
• Whether you continue making on-time payments during the dispute process
• Your overall credit utilization and account mix
• Changes in your financial situation during the engagement
• The length of time negative items have been on your report

Nothing in our marketing materials, website content, or verbal communications constitutes a guarantee, warranty, or promise of specific results.

5. Payment & Fees

In compliance with CROA, we do not charge any fee before we have fully performed the services we have agreed to perform. Fees are disclosed prior to enrollment and are set forth in your individual service agreement.

• Consultation Deposit: Where applicable, a consultation deposit is applied toward your first month of service and is refundable within the 3-business-day cancellation window.
• Monthly Service Fees: Ongoing service fees are charged only after services for that period have been performed.
• Currency: All fees are in U.S. dollars.
• Payment Processing: Payments are processed through secure third-party processors. We do not store your full payment card information.
• Fee Changes: We reserve the right to change our fees at any time with reasonable notice to you.

By submitting payment, you authorize us to charge the applicable fees to your designated payment method.

6. Cancellation & Refund Policy

After the 3-business-day cancellation window:

• You may cancel ongoing services at any time with written notice to [email protected]
• Refunds for services already performed are not available
• Refunds for prepaid future services are evaluated on a case-by-case basis at our sole discretion
• We do not issue refunds based on credit score outcomes, as results are not guaranteed
• Consultation deposits are non-refundable after the 3-business-day window unless otherwise stated in your service agreement

Chargebacks initiated without first contacting us to resolve a dispute may result in termination of services and referral to collections for any outstanding balance.

7. Client Obligations

To enable us to provide effective services, you agree to:

• Provide accurate, complete, and truthful information about yourself and your credit situation
• Promptly provide us with copies of any correspondence you receive from credit bureaus or creditors regarding your disputes
• Not independently contact credit bureaus or creditors about the same items we are disputing on your behalf without first notifying us, as this may interfere with the dispute process
• Maintain timely payments on all current accounts during the dispute process — late payments can significantly and negatively affect your credit score
• Avoid opening excessive new credit accounts or taking on significant new debt during the engagement
• Notify us promptly of any changes to your contact information
• Respond to our requests for information or documentation within a reasonable time
• Not provide false or misleading information — doing so may result in immediate termination of services without refund and may expose you to legal liability

8. Client Authorization

By enrolling in our services, you authorize A+ Emergency Credit Repair to:

• Act as your authorized representative for the purpose of reviewing your credit reports
• Communicate with credit bureaus (Equifax, Experian, TransUnion) on your behalf regarding dispute items
• Communicate with original creditors and collection agencies on your behalf regarding dispute items
• Obtain copies of your credit reports as necessary to perform the services

This authorization does not extend to making financial commitments, entering into agreements, settling debts, or taking any other action on your behalf beyond the scope of credit dispute services described herein.

9. Disclaimer of Warranties

10. Limitation of Liability

11. Indemnification

You agree to defend, indemnify, and hold harmless A+ Emergency Credit Repair and its officers, directors, employees, agents, licensors, service providers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of this Agreement, our Terms of Use, or our Privacy Policy
• Your use of our Services or website
• Any inaccurate, incomplete, or false information you provide to us
• Your violation of any applicable federal, state, or local law or regulation
• Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
• Any dispute between you and a credit bureau, creditor, or other third party
• Any claim by a third party arising from actions you take based on our services or advice

We reserve the right to assume exclusive control of any matter subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses at your expense.

12. Intellectual Property

All content on our website — including but not limited to text, graphics, logos, images, audio clips, video, data compilations, software, dispute letter templates, and the selection and arrangement thereof — is owned by A+ Emergency Credit Repair or its licensors and is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our website for personal, non-commercial purposes only. You may not:

• Reproduce, distribute, modify, or create derivative works of any content without our prior written consent
• Use our dispute letter templates, scripts, or proprietary processes for commercial purposes
• Scrape, data-mine, or systematically extract content from our website
• Remove or alter any copyright, trademark, or other proprietary notices
• Use our name, logo, or trademarks without prior written permission

The name "A+ Emergency Credit Repair," our logo, and all related marks are trademarks of A+ Emergency Credit Repair. Unauthorized use may violate trademark, copyright, and other laws.

13. Dispute Resolution & Binding Arbitration

Step 1 — Informal Resolution (Required First)

Before initiating any formal dispute, you must contact us at [email protected] with a written description of your dispute and the relief you seek. We will make good-faith efforts to resolve the dispute within 30 days. This informal resolution step is a prerequisite to arbitration.

Step 2 — Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to this Agreement, our Services, or our website — including questions about the existence, validity, interpretation, or termination of this Agreement — shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

• The arbitration will be conducted in Texas or by telephone/video at your election
• The arbitrator may award the same damages and relief as a court, on an individual basis
• The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction
• AAA filing fees are governed by AAA's Consumer Arbitration Rules; we will pay fees required by those rules

Exceptions to Arbitration

Either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. You may also bring individual claims in small claims court if your claims qualify and remain in small claims court.

Time Limitation on Claims

ANY CAUSE OF ACTION OR CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR OUR SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. AFTER THAT PERIOD, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED, REGARDLESS OF ANY STATUTE OF LIMITATIONS TO THE CONTRARY.

14. Class Action Waiver

15. Governing Law & Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. To the extent any dispute is not subject to arbitration, you consent to the exclusive personal jurisdiction of the state and federal courts located in Texas, and you waive any objection to venue in those courts.

Notwithstanding the foregoing, nothing in this Agreement limits any rights you may have under applicable federal consumer protection laws, including CROA and the FCRA.

16. Digital Millennium Copyright Act (DMCA) Notice

If you believe that content on our website infringes your copyright, please send a written DMCA takedown notice to [email protected] containing all of the following:

1. A description of the copyrighted work you claim has been infringed
2. The URL or specific location on our website where the allegedly infringing material is located
3. Your name, address, telephone number, and email address
4. A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
5. A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf
6. Your physical or electronic signature

We will respond to valid DMCA notices in accordance with applicable law. Submitting a false DMCA notice may expose you to liability under 17 U.S.C. § 512(f).

17. Electronic Communications Consent

By providing your email address, phone number, or other contact information, you consent to receive electronic communications from us, including:

• Service-related emails, confirmations, and updates
• Text messages (SMS) regarding your account or appointments, if you provide a mobile number
• Marketing and promotional communications (you may opt out at any time)

You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may opt out of marketing communications at any time by clicking "unsubscribe" in any email or by contacting us at [email protected]. Opting out of marketing communications does not affect service-related communications.

Standard message and data rates may apply to SMS communications. Message frequency varies. Reply STOP to opt out of SMS.

18. Force Majeure

We will not be liable for any failure or delay in performance of our obligations resulting from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic or epidemic, war, terrorism, riots, civil unrest, embargoes, acts of civil or military authorities, fire, floods, earthquakes, storms, power outages, internet or telecommunications failures, strikes or labor disputes, government actions, or shortages of transportation, fuel, energy, labor, or materials. In such events, our obligations will be suspended for the duration of the force majeure event, and we will make reasonable efforts to resume performance as soon as practicable.

19. Credit & Financial Data Privacy

Because we provide credit repair services, we collect and process sensitive financial information, including credit reports, credit scores, account histories, dispute correspondence, and related financial data. We handle this information with heightened care and in accordance with our Privacy Policy.

• Your financial information is used solely to provide our Services and is not sold to third parties
• We share your information with credit bureaus and creditors only as necessary to perform dispute services on your behalf
• We use industry-standard security measures to protect your data, including encryption in transit and at rest
• We retain your data only as long as necessary to provide services and comply with legal obligations
• You may request deletion of your data by contacting us at [email protected], subject to our legal retention obligations

20. State Privacy Rights (CCPA & Others)

California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have the following rights:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources, business purposes, and third parties with whom we share it
• Right to Delete: Request deletion of personal information we have collected from you, subject to certain exceptions
• Right to Correct: Request correction of inaccurate personal information we maintain about you
• Right to Opt-Out of Sale/Sharing: We do not sell your personal information for monetary consideration. If we share information for cross-context behavioral advertising, you may opt out
• Right to Limit Use of Sensitive Personal Information: You may direct us to limit our use of sensitive personal information to what is necessary to perform the services
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights

To exercise your California privacy rights, submit a verifiable consumer request to [email protected]. We will respond within 45 days as required by law.

Other State Residents

Residents of Virginia, Colorado, Connecticut, Texas, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of their personal information. To submit a request, contact us at [email protected].

21. Data Retention

We retain your personal and financial information for as long as necessary to:

• Provide our Services and maintain your account
• Comply with applicable legal obligations (including CROA record-keeping requirements)
• Resolve disputes and enforce our agreements
• Defend against legal claims (generally up to the applicable statute of limitations)

When personal information is no longer needed for these purposes, we take reasonable steps to securely delete or de-identify it. You may request earlier deletion by contacting us at [email protected], subject to our legal retention obligations.

22. Credit Bureau Contact Information

You may contact the three major credit bureaus directly at any time to dispute items, request your free annual credit report, or place a fraud alert or security freeze:

Free annual credit reports: AnnualCreditReport.com · 1-877-322-8228

23. Federal Regulatory Resources

24. General Provisions