1. If you searched and found Credit Expert LLC through the Internet and you want to hire us to help you improve your credit and credit scores; please understand that we are a South Dakota based company and that our Client Service Agreement is executed as if you are physically in the State of South Dakota.
2. Credit Expert LLC operates by the Federal Credit Repair Organizations Act (CROA). Please click to read the required Consumer Information Statement
3. Credit Expert LLC is NOT a law firm. Unauthorized practice of law is illegal. We do not create the customer or client perception that we are a law firm. If a situation arises that requires legal counsel, we encourage the customer or client to seek legal advice from an attorney.
4. Credit Expert LLC cannot remove verified and accurate information from the credit reports.
5. Credit Expert LLC is NOT a lending institution.
6. Credit Expert LLC is NOT a real estate company.
7. Credit Expert LLC is NOT a debt settlement company.
8. Credit Expert LLC is NOT affiliated in anyway with the credit reporting agencies.
9. It is the primary function of Credit Expert LLC to provide credit score education and coaching and to help you legally remove obsolete, inaccurate and unverifiable information from your credit reports that are lowering your credit scores. IT IS NOT the primary function of Credit Expert LLC to raise your credit scores. Raising your credit scores is only the end result of our program which consists of credit score coaching, removing inaccurate and unverifiable items from your credit reports and you paying your bills on time. Just one new late payment can lower your credit scores 60-100 points and eliminate any credit score increase that occurred as a result of the performance of Credit Expert LLC. An unpaid collection or charged off account that is updating during the current month may continue to keep your credit scores suppressed.
10. Credit Expert LLC will not sell or disseminate any of your information to a third party, unless you grant us authorization to do so. You also understand that due to confidentiality and security reasons, Credit Expert LLC will shred all paperwork that you forward to Credit Expert LLC once our process is complete. It is your responsibility to retain copies of any paperwork that you may need to be referenced at a later date. Any original legal court document(s) or collection notice(s) SHOULD NOT be forwarded to Credit Expert LLC; only copies of such documents that will support your claim in repairing your credit (proof of payment, court dismissal documents, etc.).
11. Our NO-RISK Credit Repair Guarantee simply states: "If we are unable to correct or remove qualified negative items from your credit reports that are lowering your credit scores, you pay no credit repair service fee - PERIOD!"
12. Our NO-RISK Credit Repair service fee does not include the initial one-time account setup fee.
13. Credit Expert LLC does not require our clients to pay any money at the time they sign-up for our credit repair.
14. Credit Expert LLC offers a Free Credit Advice Consultation. However, if this consultation is scheduled and the consumer misses the scheduled consultation without contacting Credit Expert LLC prior to the appointment time to reschedule, the consumer may be required to pay $129 to reschedule the credit consultation.
15. Credit repair results vary from client to client.