Terms & Conditions
Terms and Conditions
Services Overview
Credit Me Today provides credit repair services, business credit guidance, funding education, ChexSystems cleanup assistance, authorized user tradelines, and financial mentorship. Our services are designed to assist clients in improving their credit profiles through lawful and compliant methods.
We do not guarantee specific outcomes, credit score increases, approvals, or funding results, as credit decisions are ultimately made by third-party institutions.
No Legal or Financial Advice
Credit Me Today is not a law firm, accounting firm, or financial institution. The information provided through our website, consultations, or services is for educational and informational purposes only and should not be considered legal, tax, or financial advice.
Clients are encouraged to consult with qualified professionals for legal, tax, or financial matters.
Client Responsibilities
By using our services, you agree to:
Provide accurate, complete, and truthful information
Review all documents and correspondence sent on your behalf
Respond promptly when information or authorization is required
Understand that your participation is essential to the success of the process
Failure to provide accurate information may affect results or delay services.
Compliance & Credit Reporting Laws
All services are conducted in accordance with applicable credit laws, including but not limited to:
The Fair Credit Reporting Act (FCRA)
The Fair Debt Collection Practices Act (FDCPA)
Applicable consumer protection regulations
We do not remove accurate, timely, or verifiable information from credit reports.
Results Disclaimer
Credit Me Today does not promise or guarantee:
Specific credit score increases
Removal of all negative items
Loan, credit card, or funding approvals
Results vary based on individual credit profiles, creditor responses, and reporting practices.
Payments & Fees
All fees for services are disclosed prior to enrollment. Payments must be made according to the agreed-upon terms. Failure to complete payment obligations may result in suspension or termination of services.
Refunds, if applicable, are governed by the specific service agreement provided at enrollment.
Third-Party Services
Our website or services may reference third-party tools, lenders, or platforms. Credit Me Today is not responsible for the actions, decisions, or policies of any third-party entity.
Intellectual Property
All content on this website including text, logos, graphics, and materials is the property of Credit Me Today and may not be copied, reproduced, or distributed without written permission.
Limitation of Liability
Credit Me Today shall not be held liable for:
Credit bureau decisions
Lender or bank actions
Indirect or consequential damages
Delays caused by third parties
Use of our services is at your own discretion and risk.
Privacy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
Changes to Terms
Credit Me Today reserves the right to update or modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page.
Contact Information
If you have questions about these Terms and Conditions, please contact us through our website or during your scheduled consultation.