Terms of Service
Please read these Terms of Service (“Terms”) carefully before using creditfixscore.com or our digital credit repair platform (collectively, the “Services”) operated by CreditFixScore, LLC. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you may not use our Services.
1. Our Services
CreditFixScore provides digital credit repair services to help consumers identify and dispute inaccurate, outdated, or unverifiable negative items on their credit reports from Equifax, Experian, and TransUnion, in accordance with the Fair Credit Reporting Act (FCRA) and other applicable laws. Our Services include analysis of credit reports (with your authorization), preparation and submission of dispute letters, real-time dashboard tracking, client education, and optional partnership and referral programs.
We do not guarantee specific results, removal of any particular item, or a specific credit score improvement. Outcomes depend on the accuracy of information provided and responses from credit bureaus and creditors.
2. Eligibility and User Accounts
- You must be at least 18 years old and a legal U.S. resident.
- You must provide accurate, current, and complete information during registration.
- You are responsible for maintaining confidentiality of your account credentials and all activity under your account.
- We reserve the right to suspend or terminate accounts for violations or fraudulent activity.
3. Authorization and Power of Attorney
By enrolling, you grant CreditFixScore a limited power of attorney to access your credit reports from the three major bureaus, communicate and file disputes with bureaus and creditors on your behalf, and take reasonable steps necessary to provide credit repair services. This authorization is revocable by you at any time by written notice, subject to the cancellation policy below.
4. Fees and Payment
- Fees are charged monthly (or as otherwise agreed) and are non-refundable except where required by law or under a specific guarantee (if offered).
- A setup or first-work fee may apply.
- Payments are processed by third-party providers. You authorize recurring charges to your provided payment method.
- Late or failed payments may result in suspension of services.
- We may adjust pricing with notice; continued use constitutes acceptance.
5. Cancellation Policy
You may cancel your membership at any time through your dashboard or by emailing support@creditfixscore.com. Cancellation is effective at the end of the current billing period (no pro-rated refunds unless required by law). Upon cancellation, we stop future charges and disputes but retain data as needed for legal compliance. You remain responsible for outstanding balances.
3-Day Right to Cancel: Under the Credit Repair Organizations Act and applicable state laws, you may cancel this agreement without penalty within three business days of signing by notifying us in writing.
6. Client Responsibilities
- Provide accurate and truthful information
- Respond promptly to requests for additional documents or verification
- Avoid submitting disputes yourself while enrolled (to prevent conflicts)
- Maintain good financial habits
- Review and monitor your own credit reports independently
7. Prohibited Conduct
- Using our Services for any illegal purpose
- Providing false or misleading information
- Interfering with our platform or security
- Reselling or commercially exploiting our Services
- Violating FCRA, GLBA, or consumer protection laws
8. Intellectual Property
All content, platform design, logos, and tools on creditfixscore.com are owned by us or our licensors and protected by copyright, trademark, and other laws. You are granted a limited, non-exclusive, revocable license to use the Services for personal, non-commercial purposes.
9. Disclaimers and Limitation of Liability
- Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind.
- We do not guarantee that disputes will result in deletions or score improvements.
- We are not a law firm and do not provide legal, financial, or tax advice.
- To the fullest extent permitted by law, CreditFixScore shall not be liable for indirect, incidental, special, consequential, or punitive damages.
- Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim.
10. Indemnification
You agree to indemnify and hold CreditFixScore harmless from any claims, losses, or damages arising from your breach of these Terms, inaccurate information you provide, or violation of laws.
11. Termination
We may terminate or suspend your access to the Services immediately, without notice, for conduct that violates these Terms or is harmful to others.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved exclusively in the courts located in Miami-Dade County, Florida. We may require disputes (except those involving intellectual property or small claims) to be resolved through binding arbitration under the rules of the American Arbitration Association.
13. Changes to These Terms
We may update these Terms periodically. We will post the revised version with a new effective date. Your continued use after changes constitutes acceptance.
14. Miscellaneous
- These Terms, together with our Privacy Policy, constitute the entire agreement.
- If any provision is held invalid, the remainder remains in effect.
- No waiver of any breach shall constitute a waiver of any other breach.
Contact
CreditFixScore, LLC · 2332 Galiano Street, FL 2, Coral Gables, FL 33134
Email: legal@creditfixscore.com · Phone: 888-29-MYSCORE (296-9726)