Terms & Conditions

Please read these terms carefully before using our credit repair services.

Last Updated: 8/12/2025

1. Agreement to Terms

By accessing and using CreditRepairBull's services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our services.

2. Services Description

CreditRepairBull provides credit repair and consultation services, including:

  • Credit report analysis and review
  • Dispute preparation and submission
  • Communication with credit bureaus and creditors
  • Credit education and monitoring
  • Ongoing support and consultation

3. Client Responsibilities

As a client, you agree to:

  • Provide accurate and complete information
  • Respond to requests for documentation promptly
  • Send updated credit reports within 5 days of receipt
  • Follow our recommendations and guidance
  • Notify us of any changes to your contact information
  • Make timely payments for services rendered

4. Service Guarantee

100% Money-Back Guarantee: You are entitled to a full refund if:

  • We do not remove more than 25% of negative items worked on
  • You have been a client for at least 6 months
  • You had at least 4 negative items at sign-up
  • You have not used credit repair services in the previous 2 years
  • You have followed all our requirements and recommendations

5. Payment Terms

  • Fees are based on your customized service plan
  • Payment is due according to your agreed schedule
  • No refunds for partial months of service
  • Late payments may result in service suspension
  • You may cancel with 7 days written notice before next billing

6. Cancellation Policy

You may cancel our services at any time by providing 7 days written notice before your next billing period. Upon cancellation:

  • All work in progress will be completed
  • You will retain access to your client portal for 30 days
  • No refunds will be provided for the current billing period
  • You may request copies of all work performed

7. Disclaimers and Limitations

No Guaranteed Results: While we work diligently on your behalf, we cannot guarantee specific credit score improvements or timeline for results.

Legal Compliance: All services are performed in accordance with federal and state laws, including the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA).

Limitation of Liability: Our liability is limited to the amount you have paid for our services. We are not responsible for indirect, incidental, or consequential damages.

8. Privacy and Confidentiality

We maintain strict confidentiality of your personal and financial information. Our privacy practices are detailed in our Privacy Policy, which is incorporated by reference into these terms.

9. Prohibited Uses

You agree not to:

  • Provide false or misleading information
  • Use our services for illegal purposes
  • Share your account access with unauthorized parties
  • Attempt to reverse engineer our methods
  • Violate any applicable laws or regulations

10. Intellectual Property

All content, methods, and materials provided by CreditRepairBull are our intellectual property and may not be reproduced, distributed, or used without written permission.

11. Dispute Resolution

Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive the right to participate in class action lawsuits.

12. Governing Law

These terms are governed by the laws of [Your State] without regard to conflict of law principles.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website, and continued use of our services constitutes acceptance of the modified terms.

14. Contact Information

For questions about these terms, please contact us:

Email: enroll@creditrepairbull.com

Phone: (888) 350-9699

Address: 1021 E Lincolnway Suite #6149, Cheyenne, Wyoming 82001