These Terms and Conditions (“Terms”) govern your use of the Credit Repair Evolved website, Client Portal, and credit repair services. By enrolling as a client or using our website, you agree to these Terms.
These Terms summarize the key consumer-facing provisions of your enrollment. When you enroll, you sign a Service Agreement for your selected program — The 700 Protocol (Premium) or The Foundation Protocol (Standard) — which is the full, controlling contract. If anything in these Terms conflicts with your signed Service Agreement, the signed Service Agreement controls.
Please read carefully. These Terms include important information about your rights under the Credit Repair Organizations Act (CROA), our fee and billing structure, our refund and cancellation policy, and dispute resolution.
Credit Repair Evolved is a brand and DBA of HVHA Marketing LLC, a California limited liability company with its principal place of business at 2390 Red Hill Ave, Santa Ana, CA 92705 (“CRE,” “we,” “us,” “our”).
All billing, merchant processing, contractual obligations, account administration, and legal enforcement are conducted through HVHA Marketing LLC. Credit Repair Evolved is the brand used for advertising, onboarding, and client-facing fulfillment.
Statement note. Billing descriptors, payment receipts, and account records may appear on your statement under HVHA Marketing LLC. Please make note of this so charges are recognized.
Credit Repair Evolved provides consumer credit profile analysis, data verification, strategic advisory, and file management services targeted at the consumer credit reports compiled by the nationwide credit reporting agencies — Experian, Equifax, and TransUnion — and, where applicable, specialty consumer reporting agencies. We offer two programs:
On both programs, your first dispute filing is typically transmitted within 48 hours of service commencement. Credit reporting agencies are entitled under FCRA (15 U.S.C. § 1681i) to up to 30 days (in certain cases 45 days) to complete each reinvestigation. Total duration depends on your program, the size and condition of your file, bureau and furnisher response times, and your cooperation.
CRE is not a law firm and does not provide legal advice. We enforce statutory consumer rights more aggressively than the average consumer can alone, but we are not attorneys and cannot represent you in court. If you require legal representation, consult a licensed attorney.
What we do not provide. CRE does not provide legal advice or representation; debt settlement, negotiation, or guaranteed pay-for-delete; loan modification or mortgage brokering; bankruptcy services; tax, investment, or financial-planning advice; direct lending or underwriting; or any guaranteed credit, mortgage, auto, or business-funding approval. Banking-CRA optimization (ChexSystems, EWS, TeleCheck, Certegy) is offered separately under our Banking Reset Protocol.
Under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have specific rights when engaging a credit repair organization:
Your full “Consumer Credit File Rights Under State and Federal Law” disclosure is provided in your enrollment paperwork, and you receive two copies of the detached Notice of Cancellation. You acknowledge receipt of these at the time of enrollment. Consistent with 15 U.S.C. § 1679f, any waiver of a CROA or state credit-services right is void.
The 700 Protocol (Premium) — $999, one time. Payable in full at enrollment, or in two payments of $549 made thirty (30) days apart. There are no monthly fees on this program. Your payment is applied against a disclosed phase schedule set out in your Service Agreement — amounts are earned only as each protocol phase is performed and delivered (Master Credit Analysis + Round 1: $399; Rounds 2, 3, and 4 + rebuild: $200 each), and unearned amounts are always refundable as described in Section 06 and our Refund Policy.
The Foundation Protocol (Standard) — $199 to start, then $99/month. The $199 first-week work fee is charged when your onboarding, full 3-bureau audit and analysis, portal setup, and first dispute round are performed within your first week. Each subsequent $99 monthly charge is billed in arrears, after that month’s dispute round has been performed and delivered. There is no fixed total; the program continues only while you want service, and you may cancel anytime — by email, in writing, or by phone.
Recurring billing & auto-renewal (Foundation). The Foundation monthly charge recurs each month until you cancel. By enrolling you affirmatively consent to this recurring charge; we provide the disclosures required by the Restore Online Shoppers’ Confidence Act (ROSCA) and California’s Automatic Renewal Law, and you may cancel anytime as described above. The 700 Protocol two-payment option consists of exactly two disclosed installments and nothing recurs afterward.
Upgrades. Foundation clients may upgrade to the 700 Protocol at any time; the $199 Foundation start fee is credited in full against the 700 Protocol price. Monthly payments already made compensated completed monthly rounds and are not credited.
Legacy enrollments. Clients enrolled before these Terms’ Last Updated date — including 700 Protocol enrollments at $599 + $99/month and Couples / Household enrollments at $999 + $179/month — keep the pricing, billing structure, and terms in effect at their enrollment for the life of their file.
30-Day Money-Back Guarantee. If you are not satisfied with our work in your first 30 days, we will refund your first-work payment — $999 on the 700 Protocol (or your first $549 installment, with the second cancelled) and $199 on Foundation. This is a satisfaction guarantee — not a promise about your score, items removed, or any outcome (see Section 07).
Required monitoring. An active SmartCredit (or CRE-approved) monitoring account is required on both programs and is billed directly by the monitoring provider — it is not part of your program fee. If it lapses, disputes cannot be filed and your program is delayed.
Additional services available outside the programs: Pay-Per-Delete (non-enrolled) at $99 per item per bureau; Pay-Per-Delete (enrolled clients) at $75 per item per bureau; and Strategy Calls (existing clients) at $50 per call.
Consistent with CROA (15 U.S.C. § 1679b(b)) and California Civil Code § 1789.13, our fees are tied to work actually performed. Foundation charges are captured only after the corresponding work is Fully Performed. 700 Protocol payments are applied against a disclosed phase schedule: amounts are earned only as each phase is Fully Performed, and every unearned dollar remains refundable to you. A phase or round is “Fully Performed” when its dispute correspondence has been prepared and transmitted to the applicable credit reporting agencies and/or furnishers (or, for the rebuild phase, when the rebuild plan is delivered). If you cancel within your 3-business-day cancellation window, you receive a 100% refund of everything paid, on any program.
Payment methods. Payment is processed through Stripe (credit/debit card); Zelle and Apple Pay are also accepted, sent to 619-907-0303 (HVHA Marketing LLC). All fees are in U.S. dollars and are non-transferable. Refunds are governed by Sections 05 and 06 and our full Refund Policy.
Please contact us at support@creditrepairevolved.co or (619) 261-8465 regarding any billing concern before initiating a dispute with your bank or card issuer, so we can review it promptly. Nothing here waives your rights under the Fair Credit Billing Act (15 U.S.C. § 1666 et seq.) or applicable state billing-dispute law.
You may cancel this contract, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached Notice of Cancellation form for an explanation of this right.
To exercise this right, complete and return one of the two copies of the Notice of Cancellation delivered with your Service Agreement, or submit written notice through your Client Portal or via email to support@creditrepairevolved.co, postmarked, emailed, or delivered no later than midnight of the third business day after signing. If you timely cancel, we refund all fees paid, on any program, within ten (10) business days.
Cancelling after the 3-day window. You may cancel at any time in writing. On the Foundation Protocol, cancelling stops all future monthly charges and you remain responsible only for work already performed. On the 700 Protocol, cancelling triggers the phase-schedule refund calculation in Section 06 — you keep every dollar attributable to phases not yet performed. All post-cancellation termination requests must be in writing (email acceptable) to support@creditrepairevolved.co or through the Client Portal. Refunds are governed by Section 06 and our Refund Policy.
Outside your statutory 3-business-day right to cancel (Section 05), refunds work as follows. We do not offer a score, deletion, or results guarantee, and we have made no such promise.
30-Day Money-Back Guarantee. If you are not satisfied with our work in your first 30 days, tell us and we will refund your first-work payment — $999 on the 700 Protocol (or your first $549 installment, with the second cancelled) and $199 on the Foundation Protocol. This is based on your satisfaction with our work, not on any credit outcome.
700 Protocol after day 30. If you cancel before your program completes, your refund equals amounts paid minus phases already performed under the phase schedule in Section 04 and your Service Agreement. Approved refunds are processed within ten (10) business days to your original payment method.
Foundation monthly charges. After the first 30 days, each monthly charge is billed only after a dispute round we have already performed and delivered. Because each payment follows work already done, monthly payments already made are non-refundable. Cancelling simply stops future charges; we do not bill for any month after you cancel.
Required monitoring. If your SmartCredit monitoring lapses, disputes cannot be filed and no work can be performed. A lapse caused by you makes you ineligible for any refund premised on work not performed for the affected period; on the 700 Protocol, program timelines pause until monitoring is restored.
If you believe a charge is incorrect, contact us first and allow 10 business days to resolve it before initiating any chargeback, ACH dispute, or bank reversal. Because charges are captured either for work already performed and delivered (Foundation) or under a disclosed phase schedule with defined refund rights (700 Protocol), a chargeback that bypasses this Policy is a material breach of your Service Agreement; we may submit your signed agreement, billing authorization, communication and delivery logs, and records of work performed as evidence, and recover the disputed amount and reasonable costs as permitted by law.
Nothing in this Section waives or limits any right you have under federal or state law, including the Fair Credit Billing Act (15 U.S.C. § 1666) and the California Credit Services Act. Full terms are in our Refund & Cancellation Policy.
We do not guarantee specific credit score outcomes, deletion counts, completion timelines, or any loan, mortgage, auto, or business-funding approval. Program timeframes — including “90–120 days” for the 700 Protocol and “average 9–12 months” for the Foundation Protocol — are averages and engineering targets, not promises. Under CROA § 1679b, it is illegal for any credit repair organization to guarantee specific results, and we comply strictly with this requirement.
We provide professional services, strategy, and execution. We do not sell guaranteed outcomes or guaranteed approvals. Any statement by a sales representative, affiliate, or advertisement purporting to guarantee a specific outcome is not authorized, is not binding, and should be disregarded.
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 file, bureau and furnisher response patterns, the legitimacy of challenged items, and your cooperation with required client actions. Testimonials and case studies reflect individual client experiences; your results may differ.
To get maximum value from our services, and to protect your refund eligibility, you agree to:
Failure to meet these responsibilities may limit the effectiveness of our services, affect refund eligibility, and may be grounds for termination. Repeated non-cooperation for thirty (30) or more consecutive days after written notice may be treated as client-initiated termination.
By providing your phone number(s) and email address(es), you consent to receive calls, texts (SMS/MMS), voicemails, and emails from us and our authorized agents — including via automated dialing systems and prerecorded or automated messaging — for onboarding, service updates, account servicing, billing, reminders, and relevant offers.
Message frequency varies; message and data rates may apply. You may opt out of marketing texts by replying STOP and marketing emails via the unsubscribe link. Opting out of marketing does not opt you out of transactional service messages. Consent to marketing communications is not a condition of purchase. Provided per the TCPA (47 U.S.C. § 227) and FCC rules.
We collect nonpublic personal information solely to perform the Services. We do not sell your nonpublic personal information and share it only as necessary to perform the Services (e.g., with bureaus, furnishers, payment processors, and service providers under written confidentiality obligations) or as required by law. We maintain administrative, technical, and physical safeguards consistent with the FTC Safeguards Rule (16 C.F.R. Part 314). Your rights under applicable state privacy law (including CCPA) are described in our Privacy Policy.
Bureau recovery credentials. We minimize collection of credentials a bureau uses to verify identity (such as a security PIN). Our strong preference is to work through your own bureau login or our approved monitoring platform. Where access cannot be accomplished any other way, any such credential is collected only with your separate written consent, transmitted only through the encrypted Client Portal, never stored in plaintext, and purged promptly — no later than 30 days after the access need ends. You may revoke access at any time by rotating the credential at the bureau and notifying us.
Nothing in these Terms or your Service Agreement restricts your right to post, share, or publish truthful reviews, commentary, or complaints about us, in any venue, at any time. We use no non-disparagement clause, consistent with the Consumer Review Fairness Act (15 U.S.C. § 45b).
Before escalating publicly or to a regulator, you are encouraged (but not required) to contact us at support@creditrepairevolved.co or (619) 261-8465 so we can attempt to resolve any concern directly.
To the fullest extent permitted by law — and except for (i) our gross negligence or willful misconduct, (ii) bodily injury, or (iii) claims under CROA or other non-waivable statutes — our maximum aggregate liability for any claim arising from or related to our services shall not exceed the total amount you actually paid us.
We are not liable for indirect, special, incidental, speculative, punitive, or consequential damages, including lost loan, mortgage, funding, or financial opportunities, even if advised of the possibility. We are also not liable for:
All content on the CRE website — including the Master Analysis document format, our dispute protocol methodology, dispute letter templates, strategy frameworks, brand materials, and the “Credit Repair Evolved” name and logo — is the exclusive, confidential, and proprietary property of HVHA Marketing LLC and is protected by copyright and trademark law.
You may not reproduce, redistribute, publish, sell, license, or commercially exploit any CRE intellectual property without our express written permission. This does not limit your right to discuss your own experience or provide honest reviews (Section 11).
Before filing arbitration or suit, the aggrieved party will send written notice of the dispute, and the parties will attempt good-faith resolution for thirty (30) days. If unresolved, any claim shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in Orange County, California, or by videoconference at your election. We pay all AAA fees in excess of what you would pay to file the same claim in small claims court.
Claims must be brought individually, not as a class action. Either party may bring an individual small claims action instead of arbitration.
30-day arbitration opt-out. You may opt out of arbitration by written notice to support@creditrepairevolved.co within thirty (30) days of your effective date.
Nothing in this section limits any right you have under CROA — including the right to bring a civil action under 15 U.S.C. § 1679g — or prevents you from filing complaints with the CFPB, FTC, or California Attorney General. Consistent with 15 U.S.C. § 1679f, any provision that would waive a CROA right is void to that extent.
These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles, except as superseded by federal law. Subject to Section 14, exclusive venue for any permitted court proceeding lies in the state or federal courts in Orange County, California. If any provision is found invalid or unenforceable, the remaining provisions stay in effect and the invalid provision is reformed to the closest valid expression of the parties’ intent.
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 — and no change alters a legacy client’s grandfathered pricing or billing structure (Section 04). Continued use of our services after modifications become effective constitutes acceptance of the revised Terms.
Contact us at support@creditrepairevolved.co or (619) 261-8465. For formal written inquiries, mail to HVHA Marketing LLC dba Credit Repair Evolved, 2390 Red Hill Ave, Santa Ana, CA 92705.