Terms & Conditions

Welcome to Credit In Motion.

By accessing this website or enrolling in any credit repair or consulting services provided by Credit In Motion, you agree to the following Terms & Conditions.

Please review them carefully before proceeding.

1. Overview of Services

Credit In Motion provides professional credit repair and credit education services designed to assist clients with identifying, disputing, and correcting inaccurate, unverifiable, or obsolete information on their consumer credit reports.

Credit In Motion is not a law firm and does not provide legal advice, debt settlement, or debt negotiation services.

2. Service Timeline & Processing

After all required documents and active credit monitoring access are received, please allow up to five (5) business days for your file to be prepared and disputes to be drafted and sent to all three major credit bureaus (Equifax, Experian, and TransUnion).

Processing time begins only after all required documentation is submitted in full. Payment alone does not constitute file processing or dispute submission.

Once disputes are received by the credit bureaus, the official investigation period begins in accordance with Federal Consumer Laws.

3. Rounds of Disputes

A “round” refers to one monthly cycle of dispute preparation and submission.

• The Basic Package includes three (3) rounds, typically completed over three (3) months
• Additional rounds may be required depending on the complexity of the credit profile and bureau responses
• Clients may add additional rounds or services at any time

Credit repair requires patience, consistency, and teamwork.

4. Client Responsibilities

By enrolling in services, clients agree to:

• Provide accurate, truthful, and complete personal and financial information
• Maintain active credit monitoring as required for service delivery
• Upload requested documents promptly
• Respond to communication in a timely manner
• Avoid taking unauthorized actions on disputed accounts during active rounds

Failure to meet these responsibilities may delay processing, impact results, or result in service termination.

5. Payments & No Refund Policy

All fees are disclosed at the time of enrollment and are due as agreed.

Three (3) Business-Day Right to Cancel

In accordance with the Credit Repair Organizations Act (CROA), clients have the right to cancel this agreement without penalty or obligation before midnight of the third (3rd) business day after signing the contract.

If a client exercises this right within the required three (3) business-day cancellation period, any payments made under this agreement will be refunded in accordance with applicable law.

No Refund Policy After the Cancellation Period

After the three (3) business-day cancellation period has expired, all payments are final and non-refundable.

No refunds or credits will be issued for:

• Client dissatisfaction with results
• Early termination of services after the cancellation period
• Delays caused by the client’s failure to submit required documentation or maintain active credit monitoring
• Failure to follow program requirements or client responsibilities
• Credit bureau or creditor investigation outcomes
• Desired results not being achieved

Clients who discontinue services after the three (3) business-day cancellation period remain responsible for any outstanding balances owed under their agreement, if applicable.

 

6. Results Disclaimer

Credit In Motion does NOT guarantee 

• Credit score increases
• Deletions of negative items
• Credit approvals, funding, housing, or employment outcomes

All clients have different credit profiles, and results vary based on individual history, bureau investigations, and creditor responses.

7. Legal Compliance & Consumer Rights

Credit In Motion operates in compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j.

Clients acknowledge they have the legal right to dispute inaccurate information directly with credit reporting agencies at no cost, without using our services.

8. Termination of Services

Credit In Motion reserves the right to terminate services for reasons including, but not limited to:

• Non-payment
• Failure to comply with client responsibilities
• Abusive, threatening, or disrespectful communication

Clients may cancel services at any time with written notice; however, no refunds or credits will be issued.

9. Limitation of Liability

Credit In Motion, including its owners, agents, and affiliates, shall not be held liable for any indirect, incidental, or consequential damages arising from the use of this website or services.

10. Governing Law

This Agreement shall be governed by and interpreted in accordance with the laws of the State of Florida. By signing this Agreement, Client acknowledges that they have read, understood, and agreed to be bound by Credit In Motion’s Terms & Conditions, including all policies, disclosures, and limitations referenced therein.

 

11. Acknowledgment

By using this website, submitting personal information, or making payments, you acknowledge that you have read, understood, and agreed to these Terms & Conditions, including the No Refund Policy, in full.