Terms of Service

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

  1. Credit Service Agreement

  2. Authorization for Credit Repair Action

  3. Consumer Credit File Rights (CROA Disclosure)

  4. Right Of Cancellation Notice

The services we perform may include:

  • Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.

  • We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.

  • You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.

  • Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
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It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​

Terms and Conditions for Text Message Marketing

Welcome to our Text Message Marketing Service Focused Credit Education By subscribing to our text messaging service, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before opting in to our services.

1. Agreement

By opting into our text message marketing service, you agree to receive SMS messages from us regarding promotions, updates, and offers. This agreement is effective upon your subscription and continues until terminated by either party.

2. Opt-In

To receive text messages, you must opt-in by providing your mobile number and consenting to receive messages from us. By opting in, you are confirming that you own the mobile number provided or have the account holder's permission to receive messages.

3. Message Frequency

The frequency of messages may vary depending on your interactions with us. Standard message and data rates may apply as per your carrier's plan.

4. Opt-Out

You can opt-out of receiving text messages at any time by replying "STOP" to any message received from us. Upon receiving your opt-out request, we will promptly remove your number from our text messaging list.

5. Privacy

We are committed to protecting your privacy. Please refer to our Text Message Privacy Policy for details on how we collect, use, and protect your information.

6. Changes to Terms

We reserve the right to modify these terms and conditions at any time. Any changes will be communicated to you via text message or through our website. Your continued use of the service will constitute acceptance of any changes.

7. Limitation of Liability

We are not responsible for any delays or failures in the receipt of any SMS messages as delivery is subject to effective transmission from your mobile service provider. We do not guarantee the availability or performance of this service.

8. Contact Information

For any questions or concerns regarding these terms and conditions, please contact us at:

  • Email: customersupport@focusedcredit.com

  • Phone: 1-866-362-8702

  • Address: 30 N Gould St, Sheridan, Wyoming 82801

By subscribing to our text message marketing service, you acknowledge that you have read, understood, and agree to these terms and conditions.

'Text HELP for assistance' to get help if needed.
The terms and conditions should include the correct link to the Privacy Policy. If you need to view our policy view them here. https://www.focusedcrediteducation.com/privacy-policy-1

https://www.focusedcrediteducation.com/privacy-policy-1 and https://www.focusedcrediteducation.com/terms-of-service-1.