Terms of Service

These Terms of Service ("Terms") govern your access to and use of the CreditGM website and credit repair services. By using our services, you agree to be bound by these Terms. Please read them carefully.

1. Agreement to Terms

By accessing creditgm.com or enrolling in any CreditGM service, you confirm that you are at least 18 years of age, legally capable of entering into a contract, and agree to be bound by these Terms and all applicable federal and state laws.

2. Services Provided

CreditGM provides professional credit repair services including:

• Credit report review and analysis
• Dispute letter preparation and submission to credit bureaus
• Rent reporting coordination (via third-party partner)
• Mortgage preparation services

All services are governed by your signed CreditGM Service Agreement and applicable federal law, including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).

3. Fees and Payment

• Monthly Plans: Service fees of $79, $129, or $149/month are billed at the beginning of each billing cycle after services have been performed for that period.
• Pay Per Deletion: $75 per deletion per bureau. Charged only upon verified removal from each bureau.
• Mortgage Ready Plan: $199/month, billed at the beginning of each billing cycle after services have been performed for that period.
• Credit Monitoring: Optional add-on service, available for $19–$29/month depending on plan level. Not included by default in monthly plans.

4. Your CROA Rights — Cancellation

Under the Credit Repair Organizations Act, you have the right to:

• Cancel your service agreement within three (3) business days of signing, for any reason, with no penalty
• Receive a written contract before any services begin
• Cancel your monthly plan at any time with no early termination fee

To cancel, email our contact page with "Cancellation Request" in the subject line or call our contact page.

5. No Guarantees of Specific Results

CreditGM cannot guarantee the removal of any specific item or a specific credit score increase. Results vary based on individual credit profiles, bureau responsiveness, creditor cooperation, and other factors. You also have the right to dispute inaccurate information directly with the credit bureaus at no charge through AnnualCreditReport.com.

6. Client Responsibilities

• Provide accurate and truthful information during enrollment and throughout your service period
• Promptly forward any correspondence received from credit bureaus or creditors to CreditGM
• Maintain current payment information and notify us of any changes
• Not open new lines of credit or incur new negative activity that may undermine dispute efforts without consulting your specialist

7. Limitation of Liability

CreditGM's total liability for any claim arising from our services is limited to the fees paid in the most recent billing period. We are not liable for indirect, incidental, special, or consequential damages, including lost profits or loss of data.

8. Governing Law

These Terms are governed by the laws of the State of Arizona and applicable federal law. Any disputes shall be resolved in the appropriate courts of Maricopa County, Arizona.

9. Changes to Terms

We reserve the right to update these Terms at any time. Material changes will be communicated via email or posted on this page. Continued use of our services after changes constitutes acceptance.

10. Contact