Terms of service
Last updated: March 13, 2026
Our Services:
- Analyze credit reports from Equifax, Experian, and TransUnion
- Identify inaccurate, outdated, or unverifiable items
- Dispute negative items on your behalf
- Provide credit education and guidance for building a strong credit profile
- Assist with complex removals, such as bankruptcies (these may take longer)
Client Responsibilities:
- Provide accurate and honest information
- Maintain active communication and submit requested documents promptly
- Keep credit reporting sites active during services
- Avoid excessive new credit applications
- Make timely payments
Results Disclaimer:
- We do not guarantee specific results, score increases, or removal of all negative items
- Services are in compliance with CROA, FCRA, and applicable state laws
Payment & Refunds:
- All fees disclosed prior to enrollment
- All sales are final once disputes are submitted
- Monthly fees billed after work is completed
- Clients may cancel anytime; refunds only if no work has been performed or due to company error
Privacy & Confidentiality:
- All information is strictly confidential and used solely for credit repair purposes
- We do not share personal information without consent except as required by law
Duration of Services:
- Credit repair may take 3–6 months depending on complexity
- Bankruptcy and complex removals may take longer
Cancellation:
- Cancel anytime with written notice (email or mail)
- No further charges after cancellation; billed work in progress will be completed
Dispute Resolution:
- Contact RGAA Services directly for resolution
- We address concerns promptly and fairly