Disclaimer

Effective Date: [08/21/2025]

Welcome to the website of Repair Credit Doctors LLC (“Company,” “we,” “our,” or “us”). By accessing or using this website and/or our services, you (“Client,” “you,” or “your”) acknowledge and agree to the following terms, disclaimers, and limitations:

Repair Credit Doctors LLC provides credit repair and credit improvement services, which may include:

• Disputing inaccurate, outdated, unverifiable, incomplete, or misleading items appearing on credit reports;
   
• Correcting or disputing inaccurate personal information (such as addresses, employers, and phone numbers);
   
• Communicating with credit bureaus, furnishers, and collection agencies on your behalf;
   
• Offering limited credit coaching and score-building guidance.
   

We do not provide legal advice, tax advice, or lending services. All information and materials provided are for educational and informational purposes only.

• All payments are due upfront, fully earned upon receipt, and strictly non-refundable under any circumstance.
   
• If payment is not received in full, no services will be rendered.
   

While our team works diligently to achieve results, we make no guarantees regarding:

• Increases in credit scores,
   
• Specific deletions or approvals,
   
• Timelines for results, or
   
• Financial outcomes.
   

Typical results may begin within 7–14 business days; however, results vary based on each client’s credit profile and the response times of credit bureaus and furnishers.

To ensure the effectiveness of services, you agree to:

• Provide accurate, complete, and truthful information;
   
• Submit all required documents promptly;
   
• Maintain any credit monitoring services requested;
   
• Notify us of any changes to your personal or financial information.
   

Repair Credit Doctors LLC shall not be liable for:

• Any inaccurate or incomplete information provided by the client;
   
• Failure by the client to follow instructions or provide documentation;
   
• Credit denials, adverse financial outcomes, or related consequences;
   
• Any indirect, incidental, or consequential damages.
   

You acknowledge that all financial and credit decisions remain solely your responsibility.

We value your privacy and safeguard all personal information using commercially reasonable security measures. Your information will not be sold, shared, or disclosed to third parties except:

• To dispute credit items on your behalf,
   
• As required to comply with lawful court or government orders, or
   
• With your explicit written consent.
   

This Disclaimer and Terms of Service are governed by all applicable federal laws, including the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j, and relevant Federal Trade Commission regulations.

By using this website or engaging our services, you confirm that you have read, understood, and agreed to the terms outlined above, and that Repair Credit Doctors LLC is not responsible for your financial outcomes or credit decisions.