Terms and Conditions
Credit Repair Service Agreement
Credit Repair Service Agreement
This CLIENT SERVICE AGREEMENT is made and effective on [TODAY_DATE] by and between GP Financial Credit Solutions, LLC ("Company") and [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME] ("Client").
Company agrees to:
- Evaluate credit reports and identify inaccurate, false, or obsolete information.
- Prepare correspondence to dispute such information.
- Review credit status with Experian, Equifax, and TransUnion.
- Provide consulting, coaching, and monitoring by phone, email, portal, or video.
Client agrees to pay:
- $129 one-time enrollment fee (non-refundable, billed after initial work is completed).
- $117 monthly membership fee, billed on the anniversary date of enrollment.
Credit Monitoring Requirement
Client acknowledges and agrees that enrollment in and maintenance of a credit monitoring service is required throughout the duration of this Agreement. GP Financial Credit Solutions, LLC cannot perform credit repair services without access to updated credit reports.
The approved provider is MyFreeScoreNow (www.myfreescorenow.com). The current cost is $29.99 per month, billed separately by MyFreeScoreNow (or other approved provider) and not by GP Financial Credit Solutions, LLC.
Client is responsible for maintaining an active subscription with an approved credit monitoring service at all times. Failure to do so may result in delays, suspension, or termination of services under this Agreement.
Consumer Credit File Rights (CROA Disclosure)
You have the right to:
- Dispute inaccurate information yourself at no cost.
- Obtain a copy of your credit report from bureaus (free under certain conditions).
- Cancel this contract within 3 business days of signing.
- Sue a credit repair organization that violates the CROA.
Full Disclosure Disclaimer
- We make no promises to erase debt or guarantee results.
- We are not lawyers and do not provide legal advice.
- Refunds are not provided for services already rendered.
- You remain responsible for your debts.
Client Expectations
- Maintain credit monitoring monthly.
- Provide documents and bureau responses promptly.
- Communicate openly and honestly.
- Understand that credit repair takes time.
Legal-Level Situations
If sued or contacted by a creditor under state law, you will be referred to a licensed consumer attorney. GP Financial Credit Solutions does not provide legal representation.
Privacy Policy
We have created this Privacy Policy to disclose our information gathering and dissemination practices. We collect personal information such as name, address, email, phone number, credit information, and payment details to deliver services.
We may use cookies and log files to analyze trends, track movements, and deliver tailored content. We do not sell your personal information, but we may share it with third parties as required by law or to fulfill services.
You may opt out of marketing communications by following unsubscribe instructions provided in emails or by contacting us directly.
Text & SMS Notices
- You may receive recurring updates via SMS.
- Message/data rates may apply.
- Reply STOP to cancel at any time.
Credit Card Authorization
By signing, I authorize GP Financial Credit Solutions, LLC to charge my designated card for services, including adjustments for late fees or NSF returns.
Notice of Right to Cancel
You may cancel this contract before midnight of the 3rd business day after signing without penalty. To cancel, you must mail or deliver a signed, dated notice to GP Financial Credit Solutions, LLC.
Money Back Guarantee
The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful.
Our clients are protected with our 120-day warranty. If you sign up for a monthly service with GP Financial Credit Solutions, LLC and do not see any questionable items deleted from your credit in 120 days or your score has not increased, you will be entitled to a full refund in monthly fees.
Guarantee Requirements:
- Remain an active participant in the program for 120 days.
- Upload ID and proof of residence within two (2) days of signing.
- Add at least one credit-building program within 45 days.
- Do not miss payments or cancel during the first 120 days.
- Do not create new derogatory tradelines.
- Maintain continuous credit monitoring.
- Submit updated reports/responses within five (5) days of receipt.
- Refunds limited to 120 days of service.
Additional Legal Protections
Dispute Processing Timeline Disclaimer
I understand that the credit reporting agencies have up to 30–45 days to investigate disputes, and multiple rounds of disputes may be necessary. Credit repair results vary and may take several months.
Non-Refundable Enrollment Fee Explanation
The one-time enrollment fee is non-refundable because it covers the initial setup, credit analysis, portal creation, and preparation of the first round of work.
Chargeback & Payment Disputes
I agree not to initiate a chargeback with my bank or card provider for payments made under this agreement. I understand that to cancel services, I must follow the cancellation process outlined in this contract. Unauthorized chargebacks will be treated as a breach of contract and may be referred to collections.
Arbitration & Governing Law
Any dispute arising under this Agreement shall be resolved by binding arbitration in the State of Louisiana, under the rules of the American Arbitration Association. The parties waive any right to a trial by jury.
Electronic Communication Consent
I consent to receive all disclosures, notices, and communications electronically, including via email, text message, and client portal.
Severability Clause
If any provision of this Agreement is found unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement Clause
This Agreement contains the entire understanding between the parties and supersedes any prior agreements, representations, or communications, whether written or oral.
