Legal Disclosures

You have the right to:

• Sue a credit repair organization if it violates your contract with it
• Cancel your contract with a credit repair organization for any reason within 3 business days from the date you signed it
• Review a written contract before signing it that explains your rights and obligations

You are not required to pay any fees until we have completed the services we have agreed to perform. We cannot and will not do anything that you could not do yourself. Improving your credit takes time and there are no guarantees.

Note: It may be a crime to give false information or a false credit repair organization. It is also a crime to conceal a bankruptcy.

You may cancel your contract with Credit Monkey, without any penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to Credit Monkey at:

If you cancel by mail or delivery, we recommend using certified mail with return receipt requested.

Under the Fair Credit Reporting Act, you have specific rights regarding your credit reports:

• Free Credit Reports: You are entitled to a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, TransUnion) once every 12 months through AnnualCreditReport.com
• Dispute Rights: You have the right to dispute incomplete or inaccurate information directly with the credit bureaus
• Investigation: Credit bureaus must investigate disputes within 30 days and correct or delete inaccurate information
• Notice of Results: You must be notified of investigation results and provided with a free credit report if information is changed
• Consumer Statements: You may add a statement to your credit report explaining disputed items
• Privacy Protection: Your credit report cannot be provided to anyone without permissible purpose

For complete information about your FCRA rights, visit ftc.gov/fcra

What We Can Do:

• Review your credit reports for inaccurate, incomplete, or unverifiable information
• Prepare and submit dispute letters on your behalf to credit bureaus
• Follow up on disputes and track results
• Provide guidance on improving your credit through positive financial habits
• Educate you about the credit reporting system and your rights
• Negotiate with creditors regarding payment arrangements

What We Cannot Do:

• Remove accurate negative information from your credit report
• Create a new credit identity for you
• Guarantee specific results or score improvements
• Advise you to make false statements to credit bureaus
• Charge you before services are performed
• Make promises about removing bankruptcy, foreclosure, or other accurate negative items

While we work diligently on behalf of our clients, we cannot guarantee specific outcomes or credit score improvements. Results vary based on individual circumstances including:

• The accuracy and completeness of information provided by you
• The responses from credit bureaus and creditors
• Your current credit profile and financial situation
• Your ongoing financial behavior during the repair process
• The age and nature of negative items on your credit reports

Credit repair is a process that takes time. Most clients see initial results within 60-90 days, but complete restoration may take 6-12 months or longer depending on the complexity of issues.

Our fee structure is transparent and complies with all applicable laws:

• Work First: We do not charge any fees until we have completed the services outlined in your service agreement
• Monthly Billing: Most services are billed monthly after work has been performed
• No Hidden Fees: All fees are clearly disclosed in your service agreement
• Cancellation: You may cancel at any time. We will refund any fees paid for services not yet performed

Please review your service agreement for specific pricing and refund terms applicable to your situation.

Certain states have additional requirements and protections for credit repair services. If you reside in one of the following states, additional terms may apply:

For additional state-specific disclosures applicable to your state, please refer to your service agreement or contact us directly.

We take the security and privacy of your personal information seriously:

• All personal information is stored on secure, encrypted servers
• We use industry-standard security protocols to protect your data
• Your information is never sold or shared with third parties for marketing purposes
• We only share information as necessary to provide services (with credit bureaus, creditors, etc.)
• You have the right to review, update, or request deletion of your personal information

For complete details, please review our Privacy Policy.