These Terms & Conditions ("Terms") govern your use of the website at getcreditconnect.com and any services provided by The Credit Connect LLC. Please read them carefully before enrolling in our services. By using our website or signing a service agreement with us, you agree to these Terms.
1. About Us
The Credit Connect LLC is a Wyoming limited-liability company headquartered at 30 N Gould St, Sheridan, WY 82801. We provide credit-education, credit-dispute, and credit-building services. We are a "credit repair organization" as defined by the federal Credit Repair Organizations Act ("CROA"), 15 U.S.C. § 1679 et seq., and we operate in compliance with that Act and all applicable state laws.
2. Required Federal Disclosure
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.
3. Your Three-Day Right to Cancel
You have the right to cancel any service agreement with us, for any reason, within three (3) business days of signing, with a full refund of any fees paid. To exercise this right, send written notice to support@getcreditconnect.com within the three-day window. This right is required by federal law and cannot be waived. See our Refund Policy and Cancellation Policy for additional details.
4. Services We Provide
Subject to a signed service agreement, we may provide the following services on your behalf:
- Dispute letters to the three major credit reporting agencies (Equifax, Experian, TransUnion)
- Dispute letters directly to furnishers (creditors, collectors, and servicers)
- Debt-validation demand letters under the Fair Debt Collection Practices Act ("FDCPA")
- Complaint preparation and filing support with the Consumer Financial Protection Bureau ("CFPB")
- Goodwill letters to creditors regarding late-payment removal requests
- Credit education and credit-monitoring guidance
- Business credit building (separate program with separate terms)
The specific services you receive depend on the plan you enroll in. The scope of work for your specific plan will be described in your signed service agreement.
5. What We Do NOT Do
The following are NOT part of our services, and we make no representation that we will do them:
- We do not guarantee any specific deletions from your credit report
- We do not guarantee any specific increase in your credit score
- We do not represent you in court or provide legal advice (we may, with your consent, refer you to FCRA attorneys)
- We do not negotiate balances or settlements with creditors as a primary service
- We do not remove accurate, current, and verifiable information from your credit report (no one legally can)
- We do not create new identities, "credit privacy numbers," or other unlawful workarounds
6. No Guarantees
Federal law (15 U.S.C. § 1679b) prohibits credit-repair organizations from making guarantees about specific results. We do not guarantee that any item will be deleted, that your score will increase by any specific amount, or that any specific timeline will be met. Results vary based on the accuracy and completeness of information in your credit file, the responsiveness of furnishers and bureaus, and your own participation in the process. Anyone who tells you otherwise — whether they are a credit-repair company, a coach, or anyone else — is making representations federal law prohibits.
7. Service Agreement Required
Before any work begins on your behalf, you will be required to sign a written service agreement that complies with CROA. The service agreement will specifically describe:
- The services to be performed
- The total amount you will pay
- The estimated time within which services will be performed
- Your three-day right to cancel
- Our address and contact information
You must receive and sign this agreement before any fees are charged. We do not begin disputes or other work until your three-day cancellation window has expired.
8. Pricing and Billing
8.1 Plan Structures
We offer multiple plan structures. Each plan's specific fees are disclosed at enrollment and itemized in your written service agreement before you sign:
- VIP Diamond Plan: An audit & onboarding fee billed after delivery of your 3-bureau audit, followed by a recurring monthly fee billed in arrears after each month's dispute work is performed
- 4-Month Plan and 6-Month Plan: A plan fee billed after delivery of your 3-bureau audit, which compensates the customer onboarding, audit production, dispute-letter generation, and ongoing correspondence and follow-up work performed during the plan period
- Business Credit Pro: A setup & structure fee for our business-credit profile service. Business Credit Pro is a service for entities with an EIN; it is not a consumer credit-dispute service and is not governed by CROA
8.2 Performance-Based Billing — No Charges Before Services Are Performed
Consistent with the federal Credit Repair Organizations Act (15 U.S.C. § 1679b), we do not collect any fees in advance of services performed. The audit & onboarding fee is invoiced only after your full 3-bureau audit has been completed and delivered to you. Monthly fees are billed in arrears after each month's dispute work has been performed. Plan fees on the 4-Month and 6-Month Plans are invoiced after delivery of your 3-bureau audit and compensate work performed at the time of billing.
8.3 Authorization to Charge
By providing your payment information, you authorize us (through our payment processor) to charge the amounts disclosed in your service agreement on the schedule disclosed, contingent on completion of the corresponding services.
8.4 Failed Payments
If a payment fails, we may pause future work until the payment is resolved and may suspend or terminate your service if multiple payments fail. You remain responsible for fees owed for services already performed.
9. Your Obligations
To enable us to deliver our services effectively, you agree to:
- Provide accurate, complete information at enrollment and throughout your engagement
- Sign and return all required documents (service agreement, dispute authorizations, etc.) promptly
- Provide current credit reports from all three bureaus (or authorize our credit-monitoring partner)
- Forward any correspondence you receive from credit bureaus, furnishers, or collectors during your engagement
- Respond to communications from our team within a reasonable time
- Refrain from engaging another credit-repair company or attorney to dispute the same items during your engagement
- Refrain from initiating chargebacks without first contacting us in good faith to resolve the underlying issue
- Comply with all applicable laws in your dealings with creditors, collectors, and bureaus
10. Authorization for Disputes on Your Behalf
By signing your service agreement, you authorize us to act as your designated representative for the limited purpose of submitting credit disputes, debt-validation demands, and consumer complaints to the credit reporting agencies, furnishers, and regulators on your behalf, in accordance with the FCRA, FDCPA, and CFPB procedures. This authorization does not constitute a power of attorney for any purpose other than these credit-dispute activities.
11. Affiliate Program
We operate an affiliate program through which third parties may refer prospective clients to us in exchange for compensation. Compensation paid to affiliates does not affect the price you pay or the services you receive. Affiliates are independent contractors and are not authorized to make representations on our behalf about specific outcomes, guaranteed results, or pricing other than what is published on our website. If an affiliate makes a representation that conflicts with these Terms or with your service agreement, the Terms and service agreement control. Detailed terms governing the affiliate program itself are provided to affiliates separately at enrollment.
12. Refunds
Refund availability is governed by our Refund Policy, which is incorporated into these Terms by reference. Highlights:
- Three-day full-refund cancellation right (federal CROA right; cannot be waived)
- 90-day zero-deletion performance refund, subject to eligibility requirements
- Setup, audit & onboarding, and plan fees are non-refundable beyond the three-day window once the underlying work has been performed
13. Cancellation
You may cancel your service at any time per our Cancellation Policy. Cancellation submitted at least 48 hours before your next billing date stops the next charge.
14. Termination by The Credit Connect
We may suspend or terminate your service, with or without notice, for any of the following reasons:
- Failure to pay or repeated payment failures
- Submission of fraudulent or materially false information
- Use of our services in violation of federal or state law
- Initiation of chargebacks without first contacting us in good faith
- Abusive, threatening, or harassing conduct toward our team
- Breach of any term of these Terms or your service agreement
15. Privacy
Our handling of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
16. Intellectual Property
All content on this website — including text, graphics, logos, downloadable resources (such as the Free Playbook), and dispute templates — is the property of The Credit Connect LLC or its licensors and is protected by U.S. copyright and trademark law. You may use this content for your personal, non-commercial credit-repair purposes only. You may not republish, redistribute, resell, or use it to operate a competing business without our written permission.
17. Disclaimers
17.1 Educational Content Is Not Legal Advice
Information on our website, in our playbook, in our emails, and in our communications is provided for educational purposes only. It is not legal advice and does not create an attorney-client relationship. For legal advice specific to your situation, consult a licensed attorney.
17.2 Results Vary
Past results obtained by other clients are not a guarantee of similar results in your case. Each credit file is unique, and outcomes depend on factors specific to your situation.
17.3 Website "AS IS"
Our website and its content are provided "AS IS" without warranties of any kind, express or implied, to the fullest extent permitted by law.
18. Limitation of Liability
To the fullest extent permitted by law, the total liability of The Credit Connect LLC for any claim arising out of or related to your service agreement or these Terms shall not exceed the total fees you paid us in the twelve (12) months preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or punitive damages. Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under federal or state law, including liability for violations of the Credit Repair Organizations Act.
19. Indemnification
You agree to indemnify and hold The Credit Connect LLC harmless from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of (a) your breach of these Terms or your service agreement, (b) your provision of false or fraudulent information to us, or (c) your unlawful use of our services.
20. Dispute Resolution
20.1 Good-Faith Resolution First
If you have a dispute or complaint, you agree to first contact us in writing at support@getcreditconnect.com to attempt to resolve it. Most issues can be resolved promptly through direct communication.
20.2 Governing Law
These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles. Federal credit-services laws (CROA, FCRA, FDCPA, GLBA) apply regardless of state law and are not waived by this provision.
20.3 Venue
Any legal action arising from these Terms or your service agreement that is not subject to arbitration or another required forum shall be brought in the state or federal courts located in Wyoming, except where applicable consumer-protection law requires venue in your home state.
20.4 No Waiver of Statutory Rights
Nothing in this section waives any non-waivable consumer right, including your federal right to sue under CROA (15 U.S.C. § 1679g) and any non-waivable rights under your state's consumer-protection laws.
21. State-Specific Provisions
21.1 Texas Residents
Texas residents are protected by Texas Finance Code Chapter 393 (Credit Services Organizations Act) and the Texas Deceptive Trade Practices–Consumer Protection Act. Where Texas law provides rights more favorable to you than these Terms, Texas law controls. (Note: The Credit Connect is in the process of evaluating its registration status under Texas Finance Code Chapter 393. This section will be updated upon completion.)
21.2 California Residents
California residents are protected by the California Credit Services Act of 1984 (Cal. Civ. Code § 1789.10 et seq.). Where California law provides rights more favorable to you than these Terms, California law controls.
21.3 Other States
Residents of other states with credit-services laws (including Florida, New York, Illinois, Michigan, Georgia, and others) are protected by their respective state laws, which control where they provide rights more favorable than these Terms.
22. Entire Agreement
These Terms, together with your signed service agreement, our Privacy Policy, Refund Policy, and Cancellation Policy, constitute the entire agreement between you and The Credit Connect LLC regarding the subject matter hereof, and supersede any prior or contemporaneous understandings.
23. Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
24. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date at the top reflects the most recent revision. Material changes will be communicated to active clients by email. Continued use of our services after a revision constitutes acceptance of the updated Terms. Service agreements signed before a revision are governed by the version of these Terms in effect at signing.
25. Contact
The Credit Connect LLC
30 N Gould St
Sheridan, WY 82801
Email: support@getcreditconnect.com
These Terms are provided in good faith and are not legal advice. They will be reviewed and may be updated by qualified counsel before our services launch publicly. If you have questions about your rights, contact a licensed attorney, the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state Attorney General's consumer-protection office.