✅ 1. TERMS & CONDITIONS 

Terms & Conditions Online Credit Repair LLC Last Updated: [Insert Date] Welcome to OnlineCreditRepair.com (“Company,” “we,” “our,” or “us”). By accessing or using our website, services, consultations, or software, you agree to the following Terms & Conditions. Please read them carefully.

1. Service Overview

Online Credit Repair LLC provides credit education, credit analysis, dispute assistance, and related financial services in compliance with federal and state laws, including the Credit Repair Organizations Act (CROA). We do not guarantee a specific outcome, score increase, or the removal of any specific item. All services require access to your 3-bureau credit report from a provider such as SmartCredit, IdentityIQ, or similar.

2. No Guaranteed Results

Credit repair involves third-party credit reporting agencies and creditors. Because we do not control these parties, we cannot guarantee:
  • Specific score increases
  • Removal of any individual negative account
  • Approval for loans, credit cards, or funding
We guarantee only that we will perform the work outlined in your agreement to the best of our ability.

3. Client Responsibilities

By enrolling, you agree to:
  • Provide accurate personal information
  • Maintain an active 3-bureau monitoring account
  • Provide updated documents as requested
  • Make timely payments as outlined in your agreement
  • Avoid adding new negative items through late payments or high utilization
Failure to do so may delay or negatively impact your results.

4. Payment Terms

Enrollment fees and monthly service fees are billed according to your signed agreement. Monthly billing begins 30 days after your enrollment unless stated otherwise. We reserve the right to pause or cancel services for non-payment.

5. Cancellation Policy

You may cancel services at any time by submitting a written request to: Email:support@onlinecreditrepair.comMail: 17130 Van Buren Blvd #1033 Riverside, CA 92504 Under CROA, you may cancel within three (3) business days of signing your agreement for a full refund of any paid enrollment fees. California clients may have additional rights under state law.

6. Refund Policy

Refunds follow the policy outlined in your signed service agreement. Enrollment fees are generally non-refundable after the initial 3-day cancellation period. Please see our Refund Policy page for full details.

7. Communication Consent

By providing your phone number or email, you consent to receive SMS, email, or phone updates related to your services. You may opt out at any time.

8. Use of Website

You agree not to misuse our website, attempt unauthorized access, or engage in activities that could harm the Company, other users, or our systems. All content on this website—including text, logos, branding, videos, and training materials—is the property of Online Credit Repair LLC and may not be copied or reproduced.

9. Limitation of Liability

We are not liable for:
  • Losses resulting from inaccurate information you provide
  • Actions taken by credit bureaus, creditors, or lenders
  • Business or financial decisions you make based on your credit situation
To the fullest extent permitted by law, Online Credit Repair LLC is not responsible for incidental, indirect, or consequential damages.

10. Governing Law

These Terms are governed by the laws of the State of California.

11. Updates to Terms

We may update these Terms at any time. Continued use of our website or services indicates acceptance of any modifications.
If you have any questions regarding these Terms, contact us at: support@onlinecreditrepair.com
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