Terms of Service

By creating an account or using CreditRepair CRX™ ("we", "us"), you agree to these Terms. If you do not agree, do not use the service.

We provide AI-assisted credit report analysis, dispute letter tools, credit monitoring and, on certain plans, done-for-you dispute services. We are not a law firm and do not provide legal, tax or financial advice.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly, for free. Neither you nor any credit repair company has the right to have accurate, current and verifiable information removed from your credit report.

You will receive a written contract and the "Consumer Credit File Rights Under State and Federal Law" disclosure before any services begin.

You may cancel your contract without penalty or obligation within 3 business days of signing by emailing support@creditrepaircrx.com. Any payment made will be refunded within 10 days of cancellation.

We do not charge for credit repair services before they are fully performed, as required by law. Monitoring subscriptions are billed monthly. There are no long-term contracts; you may cancel any time and billing stops at the end of the current period.

We cannot guarantee any specific score increase, item removal, or loan or vehicle approval. Results vary based on each person's credit history. Any money-back guarantee applies only under its written terms.

You agree to provide accurate information, dispute only items you believe in good faith are inaccurate or unverifiable, keep your login secure, and not use the service for any unlawful purpose.

Letters and recommendations produced by our AI are educational tools. Review every letter before sending. You are responsible for what you send to bureaus and creditors.

You may close your account at any time. We may suspend accounts that violate these Terms.

To the fullest extent allowed by law, our total liability is limited to the amount you paid us in the 3 months before the claim. Nothing here limits rights you have under the Credit Repair Organizations Act or state law.

We may update these Terms. We will notify you of material changes by email or in-app notice.