Welcome to Credit Comeback Club. By using our services, you agree to comply with and be bound by the following terms and conditions. Please review them carefully.
1. Acceptance of Terms
By accessing or using Credit Comeback Club's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our services.
2. Service Description
Credit Comeback Club provides credit repair services, including but not limited to credit monitoring, dispute letter preparation, credit coaching, and educational resources. We work on your behalf to identify and dispute potential inaccuracies on your credit reports from the major credit bureaus.
We do not guarantee specific results or timeframes, as outcomes depend on various factors including credit bureau processing times, creditor responses, and the unique circumstances of each client's credit history.
3. Client Responsibilities
As a client, you agree to:
- Provide accurate and complete information
- Cooperate with our requests for documentation
- Promptly forward any correspondence received from creditors or credit bureaus
- Maintain timely payments on your active accounts
- Follow our credit improvement recommendations
- Refrain from applying for new credit during the repair process without consulting your credit coach
4. Payment Terms
Clients agree to pay fees according to the selected service plan. Monthly fees will be automatically charged until services are canceled. Setup fees are non-refundable. For monthly plans, clients may cancel at any time with 30 days written notice. For prepaid plans (such as our 6-month plan), refunds are subject to our Refund Policy.
5. Legal Compliance
Our services comply with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and other applicable laws. In accordance with CROA:
- You have the right to dispute inaccurate information on your credit report directly, without our services
- We cannot remove accurate negative information from your credit report
- Results vary based on individual circumstances
- We cannot ask for payment before services are fully performed
6. Limitation of Liability
Credit Comeback Club is not liable for any indirect, consequential, special, incidental, or punitive damages related to your use of our services. Our total liability shall not exceed the amount paid by you for our services in the previous six months.
7. Privacy
Our Privacy Policy governs the collection and use of your personal information. By using our services, you consent to the terms of our Privacy Policy.
8. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after such changes constitutes acceptance of the modified terms.
9. Termination
Either party may terminate the service agreement with 30 days written notice. We reserve the right to terminate services immediately if you violate these terms or fail to make required payments.
10. Governing Law
These terms are governed by the laws of the state of Arizona, without regard to its conflict of law provisions.
11. Contact Information
For questions regarding these Terms and Conditions, please contact us at:
Email: info@creditcomebackclub.com
Phone: 877-309-4114