Terms & Conditions.

1. Services provided

Speedy Credit Solutions, LLC ("Company," "we," or "us") provides credit repair services, including disputing inaccurate, incomplete, or unverifiable information on your credit reports with Equifax, Experian, and TransUnion; communicating with creditors and collection agencies on your behalf; filing complaints with regulatory bodies where appropriate; and providing credit coaching and education.

We do not provide legal advice, financial planning, or mortgage services. Nothing in our communications constitutes legal representation.

2. Fees and billing

Our current service fees are listed on our Pricing page. Fees are subject to change with 30 days' notice to active clients. All plans include a one-time setup fee due at enrollment and a recurring monthly service fee charged in arrears for work completed during that billing period.

Payment is collected via the billing method on file. If a payment fails, we will notify you and attempt to reprocess within 5 business days. Continued non-payment may result in suspension of services.

3. Cancellation and refunds

You may cancel your service at any time by contacting us in writing at Admin@speedycreditsolutions.com. Cancellation takes effect at the end of the current billing period. Monthly service fees already charged for work performed are non-refundable.

3-day right to cancel: Under the Credit Repair Organizations Act (CROA), you have the right to cancel your contract within 3 business days of signing, for any reason, without penalty. We will refund any amounts paid in full.

Money-back guarantee: If you are unsatisfied with our services after 90 days and we have not removed at least one negative item from your credit report, contact us to discuss a refund. Terms of our guarantee are outlined in your service agreement.

4. Client obligations

To allow us to perform services effectively, you agree to:

• Provide accurate and complete information about yourself and your credit situation.
• Not dispute accurate information — we will only dispute items you have a good-faith basis to believe are inaccurate, incomplete, or unverifiable.
• Forward any correspondence from credit bureaus or creditors to us promptly.
• Maintain an active credit monitoring subscription (or provide us access to your reports as needed).
• Refrain from opening new lines of credit or making major credit decisions without consulting us, where possible.
• Keep your contact information current with us throughout the service period.

5. No guarantee of specific results

We do not guarantee the removal of any specific item from your credit report, any specific increase in your credit score, or any particular outcome. Credit repair results depend on the nature of the disputed information, the response of credit bureaus and furnishers, and factors outside our control.

We will never advise you to misrepresent your identity, provide false information to any credit bureau, or dispute information you know to be accurate.

6. CROA consumer rights

Under the Credit Repair Organizations Act, 15 U.S.C. § 1679, you have the right to dispute inaccurate information on your credit report yourself, for free, directly with the credit bureaus. You are not required to pay for this service. A full consumer rights disclosure is available at speedycreditsolutions.com/disclosure.

7. Limitation of liability

To the maximum extent permitted by law, Speedy Credit Solutions, LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including any credit decisions made by lenders or third parties based on your credit report during or after our service period.

Our total liability to you for any claim arising out of these terms or our services shall not exceed the total fees paid by you to us in the 90 days preceding the claim.

8. Privacy

Your personal and financial information is handled in accordance with our Privacy Policy, available at speedycreditsolutions.com/privacy-policy. We do not sell your personal information to third parties.

9. Governing law

These terms are governed by the laws of the State of Florida and applicable federal law, including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Any disputes shall be resolved in the courts of Orange County, Florida, unless otherwise required by law.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

10. Contact

Questions about these terms? Contact us at Admin@speedycreditsolutions.com. We respond to all inquiries within 1–2 business days.

Speedy Credit Solutions, LLC  ·  Orlando, Florida  ·  Contact via FAQ page