Terms of Service
By using this website or engaging services from Savvy Smart Credit Repair, you agree to the following Terms of Service.
Scope of Services
Savvy Smart Credit Repair provides professional credit dispute assistance, document preparation, and credit education services. Prior to the start of services, clients are required to execute a written Client Agreement, Authorization for Credit Repair Action, Consumer Credit File Rights Disclosure, and Right of Cancellation Notice, in accordance with the Credit Repair Organizations Act (CROA).
Services may include:
- Review of credit reports from applicable credit reporting agencies
- Identification of potentially inaccurate, outdated, or unverifiable information
- Preparation of dispute correspondence as directed by the client
- Assistance with follow-up correspondence
- Credit education, consulting, coaching, and monitoring services
Client Control and Responsibility
Clients maintain full control over which items, if any, are disputed. Savvy Smart Credit Repair does not dispute any items without client authorization.
Clients are responsible for maintaining positive credit behavior during the credit repair process, including making payments on time and avoiding actions that may negatively impact their credit profile, such as new delinquencies, collections, charge-offs, or excessive credit inquiries.
No Guarantees or Control Over Outcomes
Savvy Smart Credit Repair does not guarantee the removal of any credit report items, specific credit score increases, or timeframes.
Credit reporting agencies, creditors, and scoring models independently determine how information is reported and how credit scores are calculated. Savvy Smart Credit Repair does not control these decisions.
Results vary based on individual credit profiles, reporting accuracy, creditor responses, and client actions.
Fees and Cancellation
Fees for services are outlined in the Client Agreement. All clients have the right to cancel their agreement for any reason within three (3) business days of signing by providing written notice as outlined in their agreement.
No Legal Advice
Savvy Smart Credit Repair is not a law firm and does not provide legal advice. Any information provided is for educational purposes only. Clients seeking legal advice should consult a licensed attorney.
Limitation of Liability
Savvy Smart Credit Repair shall not be liable for credit score changes, creditor decisions, reporting outcomes, or actions taken by third parties beyond our control.
