Terms &
Conditions.

Services Provided

Credit Repair Evolved provides consumer credit repair services, including:

• Analysis of credit reports from Experian, Equifax, and TransUnion
• Drafting and filing dispute letters under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Metro 2 data reporting standards
• Escalation of unresolved items to the Consumer Financial Protection Bureau (CFPB) and state attorney general offices
• Credit rebuild guidance and strategy in the post-dispute phase
• Client Portal access for real-time file tracking and document submission

Your CROA Rights

Under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have specific rights when engaging a credit repair organization:

1. You have the right to cancel this contract within 3 business days of signing for any reason and receive a full refund.
2. You have the right to dispute inaccurate information in your credit file yourself at no charge.
3. Credit bureaus must remove information that cannot be verified within the statutory timeframe (30 days under FCRA § 611).
4. Credit repair companies cannot charge you before services are performed and cannot make false claims about results.
5. You can sue a credit repair organization that violates CROA and recover damages, punitive damages, and attorney fees.

Full CROA disclosure is provided in your enrollment paperwork. You acknowledge receipt of this disclosure at the time of enrollment.

Fees & Payment

Our service fees are as follows:

• The 700 Protocol (Full Program): $1,499 one-time investment
• Installment Plan: 2 × $799 (total $1,598), second payment auto-charged 14 days after enrollment
• Pay-Per-Delete (non-enrolled): $99 per item per bureau — available at creditrepairevolved.co/99
• Pay-Per-Delete (enrolled clients): $75 per item per bureau — available at creditrepairevolved.co/75
• Strategy Calls (existing clients): $50 per call

Payment is processed through Stripe (card) or Zelle. Payment is required before services begin, in compliance with CROA’s prohibition on charging for services not yet rendered (services “begin” when your first dispute letter is filed, which occurs within 72 hours of enrollment).

All fees are in U.S. dollars and are non-transferable. Refunds are subject to our Refund Policy.

Cancellation & Refunds

3-Day Right to Cancel (CROA § 1679e). You may cancel this agreement for any reason within 3 business days of signing by submitting written notice through your Client Portal or via email to support@creditrepairevolved.co. You will receive a full refund within 10 business days of cancellation.

One-Time Protocol Engagement. The 700 Protocol is a one-time engagement covering the full 4-round dispute protocol with three reserve escalation paths — not a recurring monthly subscription. Once enrolled, your file is worked through completion of the protocol. There are no monthly billing cycles, no auto-renewals, and no long-term lock-in periods. Cancellation after the 3-day window stops future work on your file but does not trigger a pro-rated refund of the one-time enrollment fee, except as specified in our Refund Policy.

See our full Refund Policy for detailed refund terms.

Results Disclaimer

We do not guarantee specific credit score outcomes. Under CROA § 1679b, it is illegal for any credit repair organization to guarantee specific results, and we comply strictly with this requirement.

Projected outcomes presented in our Master Analysis and marketing materials are evidence-based estimates derived from file-specific compliance analysis. Actual results vary based on:

• The complexity of your credit file
• Bureau and furnisher response patterns
• The legitimacy of challenged items
• Your cooperation with required client actions (document submission, payment compliance, avoiding new derogatory activity)

Testimonials and case studies presented reflect individual client experiences. Your results may differ.

Client Responsibilities

To get maximum value from our services, you agree to:

• Provide accurate information during enrollment and maintain current contact details
• Submit bureau and creditor mail promptly through your Client Portal (within 5 business days of receipt)
• Refrain from applying for new credit during active dispute rounds without consulting us
• Not make payments on old collections or charge-offs without consulting us first (may re-age debts)
• Keep your SmartCredit account active for the duration of our engagement
• Follow the pre-dispute guidance we provide during consultation and onboarding

Failure to meet these responsibilities may limit the effectiveness of our services and may be grounds for termination of the engagement.

Limitations & Liability

To the maximum extent permitted by law, CRE’s total liability to you for any claim arising from or related to our services shall not exceed the total fees you have paid us in the 12 months preceding the claim.

We are not liable for:

• Bureau or furnisher delays beyond statutory timeframes
• Your inability to receive credit or financing for reasons unrelated to your credit file
• Actions taken on your credit file by third parties (new creditors, collectors, etc.) during our engagement
• Score fluctuations due to factors outside the scope of our services (new inquiries, late payments, utilization changes)
• Any claim arising from information you provided that was inaccurate or incomplete

Intellectual Property

All content on the CRE website — including the Master Analysis document format, the 4-Round Protocol methodology, dispute letter templates, brand materials, and the “Credit Repair Evolved” name and logo — is the exclusive property of Credit Repair Evolved, LLC and is protected by copyright and trademark law.

You may not reproduce, redistribute, or commercially exploit any CRE intellectual property without express written permission.

Governing Law & Disputes

These Terms are governed by the laws of the State of California. Any dispute arising from or related to our services shall be resolved through:

1. Good-faith negotiation for a minimum of 30 days before formal dispute
2. Mediation in Orange County, California, if negotiation fails
3. Binding arbitration under the rules of the American Arbitration Association (AAA) if mediation fails

Nothing in this section prevents you from filing complaints with the CFPB, FTC, or California Attorney General, or from exercising any right you have under CROA, FCRA, FDCPA, or other applicable consumer protection law.

Modification of Terms

We may update these Terms from time to time. The “Last Updated” date reflects the most recent revision. For existing clients, material changes will be communicated via email or through your Client Portal with no less than 30 days notice before taking effect.

Continued use of our services after modifications become effective constitutes acceptance of the revised Terms.