These Terms and Conditions (“Terms”) govern your use of the Credit Repair Evolved, LLC (“CRE,” “we,” “us”) website, Client Portal, and credit repair services. By enrolling as a client or using our website, you agree to these Terms.
Please read these Terms carefully. They include important information about your rights under the Credit Repair Organizations Act (CROA), limitations of our services, payment terms, and dispute resolution.
Credit Repair Evolved provides consumer credit repair services, including:
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.
Under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have specific rights when engaging a credit repair organization:
Full CROA disclosure is provided in your enrollment paperwork. You acknowledge receipt of this disclosure at the time of enrollment.
Our service fees are as follows:
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.
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.
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:
Testimonials and case studies presented reflect individual client experiences. Your results may differ.
To get maximum value from our services, you agree to:
Failure to meet these responsibilities may limit the effectiveness of our services and may be grounds for termination of the engagement.
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:
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.
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:
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.
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.
Contact us at support@creditrepairevolved.co or (619) 261-8465. For formal written inquiries, mail to Credit Repair Evolved, LLC, Santa Ana, CA 92705.