Disclosure Information
What you should know about our A+ Credit Repair and Consultation claims
Over the last ten years of service most A+ Credit Repair and Consultation members experience an average service of 12.6 removals/deletions combined from all three major credit bureaus (Equifax, Experian and Transunion). Most of our clients have seen an average increase in their scores from the 3 major credit bureaus (Equifax, Experian and Transunion) anywhere from 40-100 points within the first 90-180 days of service. There were instances when some members did not achieve those results and A+ Credit Repair and Consultation makes no guarantee that you or any member will receive those same average results. Every credit repair is a case by case scenario to that individual.
What you should know about OUR testimonials
Our testimonials are from our members and clients they represent the results and feelings of the particular individual and you should not expect the same results. Everyone’s case is unique and tailored to their particular situation. A+ Credit Repair and Consultation services ensure we will communicate with creditors on your behalf and in your name, communicate changes from the credit bureaus, and update your online profile with status based on the results and notices received from you. Past members have experienced service with an average of 12.6 removals/deletions within the first 90-180 days of service from the 3 major credit bureaus (Equifax, Experian and Transunion). Many members have experienced success and higher scores of a longer period as well. There were instances when some members did not achieve those results and A+ Credit Repair and Consultation makes no guarantee that you or any member will receive those same average results. Every credit repair is a case by case scenario to that individual. Many members were eligible for new tradelines, mortgages, automobiles, student loans and other financial services after being an A+ Credit Repair and Consultation member and completing our services. No one should expect the same results. Any credit and Fico score gains received after becoming a member of our services is the results of a combination of many factors, including: No late payments of any items on your credit report for a 6 -12 month period, Staying within or under the established credit limit debt ratios on all open trade lines, opening new trade lines, paying all bills on time or before due, not pulling your credit for 6-12 months, paying off debt and maintaining agreed settlements, actively practicing financial planning and debt management
How we consider removals/Deletions
The number of reported items removed/deleted are in combination of all 3 of the reporting credit bureaus (Equifax, Experian and Transunion). Meaning if you have a listing reporting on all 3 of the credit bureaus (Experian, Equifax and Transunion) and we get it removed/deleted off of all of the credit t bureaus we considered that 3 items removed/deleted. There may be instances when items may be removed from one bureau but may be corrected or remain on others. A+ Credit Repair and Consultation does not guarantee the removal or deletion of any item reported on your credit report. All removals or deletions are case by case scenarios based on the individual’s circumstance. You as a member or client should not expect the same results.
How we determine your scores
The credit scores we pull and use are estimations and calculations from the particular bureau and agency. These scores may or may not be your actual FICO, credit plus score or any variation of a credit score. They shall not be represented or interpreted as your actual credit score or a measure for eligibility of credit. The information provided on this site is informational only and should not be construed as a recommendation regarding your creditworthiness.
Money Back Guarantee
The Money Back Guarantee provided on this website is an essential requirement for doing business online. This ensures we comply fully with our Payment Processor, who operates a payment protection scheme. However digital products are generally outside the terms of most banks and financial institutions, when it comes to making a claim, or reversing a charge. As our company offers an actual service in its daily activities in nature to a painter or tattoo artist it is therefore final and irreversible in nature, and therefore impossible to exchange. Customer/member/client participation throughout the entirety of the eligible program and/or package is required. Money back guarantee is only valid for members/clients who paid the purchase price of eligible package and/or program. To be eligible, members/clients must cancel service no later than 30th day of the initial/full payment made to A+ Credit Repair and consultation. While A+ Credit Repair and Consultation, is happy to provide a refund in appropriate circumstances, where it can be established that a genuine mistake occurred, this does not extend to members/clients who do not take the time to understand our service, the time it takes to repair credit, the dispute process with credit bureaus, or issues related to the results achieved, which can be variable. Should you wish to take advantage of the money back guarantee, you should first contact us by letter indicating the reasons for your claim, and detailing whatever genuine mistake you feel we have made, which might give rise to us considering your refund request. In cases where refunds are made, the individuals names will be excluded from any future dealings, and no relationship, commercial or otherwise, will be entertained with individuals who have been afforded refunds. Failure to comply with the terms of this money back guarantee, in particular sending off multiple emails or other support requests, generating adverse publicity, or causing us significant administrative expense, or not contacting us in the manner proscribed above in the first instance will not result in any money being exchanged. In the rare cases where a member/client decides to pay by other payment methods e.g. using cash or cheques, then no such money back guarantee shall apply.
Terms of use
No warranties
This website is provided “as is” without any representations or warranties, express or implied. A+ Credit Repair and Consultation makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, A+ Credit Repair and Consultation does not warrant that:
• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. [If you require advice in relation to any legal or financial matter you should consult an appropriate professional.
Limitations of liability
A+ Credit Repair and Consultation will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
• to the extent that the website is provided free-of-charge, for any direct loss;
• for any indirect, special or consequential loss; or
• for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if A+ Credit Repair and Consultation has been expressly advised of the potential loss.
Exceptions
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit A+ Credit Repair and Consultation liability in respect of any:
• death or personal injury caused by A+ CREDIT REPAIR AND CONSULTATION'S negligence;
• fraud or fraudulent misrepresentation on the part of A+ CREDIT REPAIR AND CONSULTATION; or
• matter which it would be illegal or unlawful for A+ Credit Repair and Consultation to exclude or limit, or to attempt or purport to exclude or limit, its liability.
Reasonableness
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
Other parties
You accept that, as a limited liability entity, A+ Credit Repair and Consultation has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against A+ CREDIT REPAIR AND CONSULTATION'S officers or employees in respect of any losses you suffer in connection with the website
Without prejudice to the foregoing paragraph,] you agree that the limitations of warranties and liability set out in this website disclaimer will protect A+ CREDIT REPAIR AND CONSULTATION'S officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as A+ CREDIT REPAIR AND CONSNULTATION.
Unenforceable provisions
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
Copyright © 2012-2017 A+ Credit Repair and Consultation
Ownership of copyright
The copyright in this website and the material on this website (including without limitation the text, computer code, artwork, photographs, images, music, audio material, video material and audio-visual material on this website) is owned by A+ CREDIT REPAIR AND CONSULTATION and its licensors.
Copyright license
A+ CREDIT REPAIR AND CONSULTATION grants to you a worldwide non-exclusive royalty-free revocable license to:
• view this website and the material on this website on a computer or mobile device via a web browser;
• copy and store this website and the material on this website in your web browser cache memory; and
• print pages from this website for your own personal and non-commercial use.
A+ CREDIT REPAIR AND CONSULTATION does not grant you any other rights in relation to this website or the material on this website. In other words, all other rights are reserved.
For the avoidance of doubt, you must not adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast, rebroadcast or show or play in public this website or the material on this website in any form or media without A+ CREDIT REPAIR AND CONSULTATION'S prior written permission.
Data mining
The automated and/or systematic collection of data from this website is prohibited.
Permissions
You may request permission to use the copyright materials on this website by writing to This email address is being protected from spambots. You need JavaScript enabled to view it. or 112 West 34th street 18th Floor New York, NY 10120.
Enforcement of copyright
A+ CREDIT REPAIR AND CONSULTATION] takes the protection of its copyright very seriously.
If A+ CREDIT REPAIR AND CONSULTATION discovers that you have used its copyright materials in contravention of the license above, A+ CREDIT REPAIR AND CONSULTATION may bring legal proceedings against you seeking monetary damages and an injunction to stop you using those materials. You could also be ordered to pay legal costs.
If you become aware of any use of A+ CREDIT REPAIR AND CONSULTATION' copyright materials that contravenes or may contravene the license above, please report this by email to This email address is being protected from spambots. You need JavaScript enabled to view it. or 112 West 34th street 18th Floor New York, NY 10120.
Infringing material
If you become aware of any material on the website that you believe infringes your or any other person's copyright, please report this by email to This email address is being protected from spambots. You need JavaScript enabled to view it. or 112 West 34th street 18th Floor New York, NY 10120.
PRIVACY STATEMENT
Your privacy is important to A+ CREDIT REPAIR AND CONSULTATION. This privacy statement provides information about the personal information that A+ CREDIT REPAIR AND CONSULTATION collects, and the ways in which A+ CREDIT REPAIR AND CONSULTATION uses that personal information.
Personal information collection
A+ CREDIT REPAIR AND CONSULTATION may collect and use the following kinds of personal information:
• information about your use of this website
• information that you provide using for the purpose of registering with the website
• information about transactions carried out over this website
• information that you provide for the purpose of subscribing to the website services
• any other information that you send to A+ CREDIT REPAIR AND CONSULTATION.
Using personal information
A+ CREDIT REPAIR AND CONSULTATION may use your personal information to:
• administer this website
• personalize the website for you
• enable your access to and use of the website services
• publish information about you on the website
• send to you products that you purchase
• supply to you services that you purchase
• send to you statements and invoices
• collect payments from you
• send you marketing communications
Where A+ CREDIT REPAIR AND CONSULTATION discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement.
In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, A+ CREDIT REPAIR AND CONSULTATION may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.
Securing your data
A+ CREDIT REPAIR AND CONSULTATION will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
A+ CREDIT REPAIR AND CONSULTATION will store all the personal information you provide.
Information relating to electronic transactions entered into via this website will be protected by encryption technology.
Cross-border data transfers
Information that A+ CREDIT REPAIR AND CONSULTATION collects may be stored and processed in and transferred between any of the countries in which A+ CREDIT REPAIR AND CONSULTATION operates to enable the use of the information in accordance with this privacy policy.
In addition, personal information that you submit for publication on the website will be published on the internet and may be available around the world.
You agree to such cross-border transfers of personal information.
Updating this statement
A+ CREDIT REPAIR AND CONSULTATION may update this privacy policy by posting a new version on this website.
You should check this page occasionally to ensure you are familiar with any changes.
Other websites
This website contains links to other websites.
A+ CREDIT REPAIR AND CONSULTATION is not responsible for the privacy policies or practices of any third party.
Contact A+ CREDIT REPAIR AND CONSULTATION
If you have any questions about this privacy policy or A+ CREDIT REPAIR AND CONSULTATION'S treatment of your personal information, please write:
• by email to This email address is being protected from spambots. You need JavaScript enabled to view it. ; or
by post to 112 West 34th Street 18th Floor New York, NY 10120
Credit
3 documents included in this webpage was created using a Contractology template available at http://www.contractology.com.
