Terms of Service

Last Updated: December 11, 2024

Welcome to Credit Mystro LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our credit repair services, website at creditmystro.com, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms and conditions that may apply to specific services. If you do not agree to these Terms, you must not use our Services.

2. Escrow Service Waiver and Direct Payment Agreement

3. Description of Services

Credit Mystro LLC provides credit repair and credit improvement consulting services, which may include:

• Analysis and review of credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion)
• Identification of potentially inaccurate, unverifiable, or unfair negative items
• Preparation and submission of dispute letters to credit bureaus and/or creditors
• Credit monitoring and progress tracking
• Educational resources and guidance on credit improvement strategies
• Communication with creditors and collection agencies on your behalf

4. Fee Structure and Payment Terms

In compliance with the Credit Repair Organizations Act (CROA), Credit Mystro LLC will NEVER charge you before completing promised services. All fees are disclosed prior to service commencement and are payable only after services have been rendered.

4.1 Payment Processing

By agreeing to these Terms, you authorize Credit Mystro LLC to process payments directly without the use of an escrow intermediary. You acknowledge that:

• All payments are made directly to Credit Mystro LLC
• No third-party escrow service will hold your funds
• You have voluntarily waived the use of escrow services
• This arrangement complies with applicable law because fees are only collected after services are performed

5. Client Responsibilities

As a client of Credit Mystro LLC, you agree to:

• Provide accurate, complete, and truthful information
• Respond promptly to requests for documentation or information
• Review and approve all documents before submission
• Maintain current contact information
• Notify us immediately of any changes to your financial situation
• Not make false statements to credit bureaus or creditors

6. Cancellation Rights

You may cancel this agreement:

• Within 3 Business Days: You have the right to cancel without any penalty within 3 business days from the date you sign any service agreement.
• At Any Time: You may cancel your services at any time after the initial 3-day period by providing written notice.

Refunds for unperformed services will be processed within 10 business days of cancellation.

7. Prohibited Activities

Credit Mystro LLC will NOT:

• Create a "new" credit identity for you
• Advise you to make false statements to creditors or credit bureaus
• Guarantee removal of accurate information
• Promise specific credit score improvements
• Charge fees before services are rendered

8. State-Specific Provisions

Credit Mystro LLC operates in compliance with federal law and the laws of all 50 United States, the District of Columbia, and U.S. territories. The following state-specific provisions apply:

8.1 California Residents

In addition to federal protections, California residents are protected under the California Consumer Credit Reporting Agencies Act (Cal. Civ. Code § 1785.1 et seq.) and the California Credit Services Act (Cal. Civ. Code § 1789.10 et seq.). You have additional rights under the California Consumer Privacy Act (CCPA).

8.2 Texas Residents

Texas residents are protected under the Texas Finance Code Chapter 393 and Texas Business and Commerce Code. Credit repair organizations in Texas must be registered with the Secretary of State.

8.3 Florida Residents

Florida residents have rights under Florida Statutes Chapter 817.7001 (Credit Repair Services Act). All credit repair agreements must be in writing.

8.4 New York Residents

New York residents are protected under New York General Business Law Article 29-B and have additional rights regarding disclosure and cancellation.

8.5 Other States

Residents of all other states are protected by the federal Credit Repair Organizations Act and any applicable state consumer protection laws. Where state law provides greater protection than federal law, state law shall apply.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• Credit Mystro LLC's total liability shall not exceed the amount paid for services during the twelve (12) months preceding any claim.
• Credit Mystro LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages.
• Credit Mystro LLC does not guarantee any specific outcomes or results.

10. Dispute Resolution and Arbitration

Any disputes arising from these Terms or our Services shall be resolved as follows:

1. Informal Resolution: Contact us directly to attempt informal resolution.
2. Mediation: If informal resolution fails, disputes shall be submitted to mediation.
3. Binding Arbitration: Unresolved disputes shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
4. Small Claims Court: Either party may seek relief in small claims court for qualifying disputes.

11. Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

12. Governing Law

These Terms shall be governed by federal law, including the Credit Repair Organizations Act, and the laws of the state in which you reside, without regard to conflict of law principles.

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Credit Mystro LLC regarding the Services.

15. Post-Service Obligations

16. Modifications to Terms

Credit Mystro LLC reserves the right to modify these Terms at any time. Modifications are effective immediately upon posting to our website. Your continued use of our Services after modifications constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.