The Credit Guru

The Credit GuruThe Credit GuruThe Credit Guru

The Credit Guru

The Credit GuruThe Credit GuruThe Credit Guru

Terms and Conditions

 Welcome to The Credit Gurus. By accessing our website, enrolling in our services, or signing any service agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, you must not use our services.

1. Services Provided

The Credit Gurus provides professional credit repair services, which may include:

  • Reviewing credit reports from the three major credit reporting agencies (Experian, Equifax, and TransUnion).
     
  • Preparing and submitting dispute letters on your behalf.
     
  • Assisting with the removal or correction of inaccurate, unverifiable, or fraudulent information.
     
  • Providing educational resources on credit management and financial literacy.
     

We do not guarantee specific credit scores, loan approvals, or financial outcomes. Results vary based on individual credit history and participation.

2. Eligibility

By using our services, you confirm that you are:

  • At least 18 years old,
     
  • A resident of the United States, and
     
  • The rightful owner of the information contained in your credit reports.
     

3. Client Responsibilities

To ensure the success of our services, you agree to:

  • Provide accurate and truthful personal and financial information.
     
  • Supply all required documentation (ID, proof of address, credit monitoring access, etc.).
     
  • Refrain from filing separate disputes with credit bureaus while we are actively working on your file.
     
  • Maintain an active credit monitoring subscription and share updated reports when requested.
     

Failure to cooperate may result in delays, limited results, or termination of services without refund.

4. Payment Terms

  • All fees for services are disclosed prior to enrollment.
     
  • Payments are due in full at the time of purchase unless otherwise agreed in writing.
     
  • Refund Policy: All payments are non-refundable, except under the condition that zero deletions or corrections occur on your credit report after the agreed service period (see Refund Policy).
     

5. No Guarantees

While The Credit Gurus will make every effort to improve your credit profile, we do not and cannot guarantee:

  • A specific number of deletions,
     
  • A specific credit score increase, or
     
  • Approval for credit, loans, mortgages, or other financial products.
     

All results depend on third-party credit bureaus and creditors.

6. Legal Compliance

The Credit Gurus operates in compliance with all applicable federal and state laws, including:

  • The Fair Credit Reporting Act (FCRA)
     
  • The Fair Debt Collection Practices Act (FDCPA)
     
  • The Credit Repair Organizations Act (CROA)
     

We do not engage in fraudulent, misleading, or illegal practices.

7. Limitation of Liability

To the maximum extent permitted by law, The Credit Gurus and its affiliates are not liable for any indirect, incidental, or consequential damages arising from the use of our services, including but not limited to:

  • Loss of credit opportunities,
     
  • Rejection of loan or credit applications, or
     
  • Any financial losses related to credit decisions.
     

8. Confidentiality & Privacy

We take your privacy seriously and protect your personal information in accordance with our Privacy Policy. All data shared with us is kept confidential, except when required by law.

9. Termination of Services

The Credit Gurus reserves the right to terminate services at any time if:

  • A client provides false information,
     
  • A client engages in abusive or fraudulent behavior, or
     
  • A client violates these Terms and Conditions.
     

10. Governing Law

These Terms shall be governed by and construed under the laws of the State of [Insert State], without regard to conflict of law principles. Any disputes will be resolved in the courts of [Insert County/State].

11. Updates to Terms

We may revise these Terms and Conditions at any time. Updates will be posted on our website with the revised effective date. Continued use of our services constitutes acceptance of the updated Terms.

12. Contact Information

If you have questions regarding these Terms and Conditions, please contact us at:

The Credit Gurus
Email: thecreditguru.info@gmail.com

Return and Refund Policy

 

Refund Policy

At The Credit Gurus, we are committed to delivering real, verifiable results in improving your credit profile. Because our services require time, effort, and costs to initiate credit disputes and processing, we maintain a strict no-refund policy, with one exception.

1. No Refunds

All payments made for credit repair services are non-refundable. Once you sign up and services begin, fees are considered earned.

2. Exception — Results Guarantee

The only circumstance under which a refund will be considered is if:

  • You have completed the service period outlined in your agreement,
     
  • You have provided all necessary documents requested by our team (such as identification, proof of address, credit reports, etc.), and
     
  • There have been zero deletions or removals of negative items from your credit report.
     

If even one negative account, inquiry, or derogatory item has been successfully deleted, updated, or corrected, no refund will be issued.

3. Client Responsibilities

To be eligible for a refund under this policy, you must:

  • Maintain an active credit monitoring service and provide updated reports upon request.
     
  • Respond promptly to our requests for documentation or verification.
     
  • Not interfere with the dispute process by filing separate disputes on your own during the contracted service period.
     

4. Final Decision

Refund requests will be reviewed within 15 business days of submission. The Credit Gurus reserves the right to request proof of updated credit reports to validate results.

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