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Credit Queens – Terms & Conditions

By enrolling in any Credit Queens credit repair plan, you agree to the following terms and conditions. Please read carefully.

No Credit Score Guarantees

Credit Queens does not guarantee the removal of any specific items or a particular credit score increase. Credit repair outcomes vary based on individual credit history, creditor responses, and reporting accuracy. Our services focus on disputing inaccurate, outdated, or unverifiable information in compliance with federal and state law.

Scope of Services

Credit Queens provides credit repair services that may include:

  • Credit report review and analysis

  • Disputing inaccurate or unverifiable items with credit bureaus

  • Ongoing monitoring and strategy adjustments

  • Credit education and guidance

We do not provide legal advice, financial planning, or debt settlement services.

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Cancellation Policy

  • There are no long-term contracts.

  • Clients may cancel their plan at any time.

  • Cancellation requests must be submitted before the next billing date to avoid additional charges.

  • No partial refunds are issued for unused portions of a billing cycle.

Results & Timelines

  • Credit Queens operates in compliance with:

  • The Credit Repair Organizations Act (CROA)

  • Fair Credit Reporting Act (FCRA)

  • Applicable Florida state regulations

  • Clients have the legal right to dispute inaccurate information on their credit reports independently at no cost.

Client Responsibilities

Clients agree to:

  • Provide accurate and complete personal information

  • Respond promptly to requests for documentation or verification

  • Review progress updates and communications

Failure to provide accurate information may impact results or delay services.

Billing & Payments

  • Monthly plans are billed on a recurring monthly basis.

  • Payments are due in advance of services for each billing cycle.

  • All fees are disclosed prior to enrollment.

  • Missed or failed payments may result in temporary service suspension.

Identity Theft & Fraud

For identity theft or fraud-related disputes, additional documentation may be required. Credit Queens assists with dispute support but does not replace law enforcement reporting or identity protection services.

Limitation of Liability

  • Credit Queens is not responsible for decisions made by lenders, creditors, or credit bureaus. We are not liable for denied credit, loan terms, or financial decisions made based on credit reports.

Updates to Terms

Credit Queens reserves the right to update or modify these Terms & Conditions at any time. Continued use of services constitutes acceptance of updated terms.

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