Terms and Conditions:
Last updated March 2023
BY USING THE WEBSITE, ENGAGING Credco’s Credit Management Services, INCLUDING, REQUESTING THAT Credit Management Services CONTACT YOU ABOUT ITS CREDIT Management SERVICES, AND/OR PARTICIPATING IN Credco’s TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.
BY USING Credco’s WEBSITE, ENGAGING Credco’s Credit Management Services, REQUESTING THAT Credit Management Services CONTACT YOU ABOUT ITS CREDIT MANAGEMENT SERVICES,AND/OR PARTICIPATING IN Credco’s TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Credit Management Services ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND Credit Management Services, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH Credit Management Services. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST Credit Management Services IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Credit Management Services IN ANY JURISDICTION IN THE UNITED STATES. Credit Management Services WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of Utah, as provided in Section 17 below.
- About the Website Terms
- About the Website
The Website gives users information about Credco’s credit Management Services, general educational and informational resources about credit, and the ability to sign up for and engage Credco’s services.
- Engagement of Credco’s Services
You are not required to engage Credco’s services in order to visit and read material on the Website; however, you will need to engage Credco’s services if you want it to assist you in your efforts to improve your credit reports and rating. If you engage Credit Management Services, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to your sign-up information. Each engagement is for a single person only. We do not permit any other person to engage Credco’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify Credit Management Services immediately by emailing email@example.com
If you participate in Credco’s Text Message Program after you engage Credit Management Services, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the short code from which you received the Credit Management Services text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from Credco’s texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.
- Case Files
Should you choose to engage Credco’s services, you will enter into a separate written agreement with Credit Management Services. Each file we create in conjunction with this separate written agreement is called a “Credit Management File.” Your Case File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Case File will be subject to the following:
- The terms or instructions appearing on a screen when using the service;
- Credco’s policies and procedures applicable to the File and the online service;
The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by Credit Management Services or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, Credit Management Services retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice including but not limited to DB-RAMS(™).
- Use of Website and Materials
Credit Management Services provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:
- Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website or Materials without the express written permission of Credit Management Services or the applicable rights holder;
- Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers;
- Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices;
- Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users;
- Reformat or frame any portion of the Website or Materials;
- Use any device, software or routine that interferes with the proper working of the Website, or otherwise attempt to interfere with the proper working of the Website;
- Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure;
- Attempt to gain unauthorized access to other computer systems;
- Violate the Website Terms, applicable law or the rights of others; or disrupt or interfere with the security of, or otherwise cause harm to, the Website.
Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Website or Materials.
Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Website if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.
By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) Credit Management Services a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.
Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Website, may be used or licensed by Credit Management Services for various purposes including but not limited to conducting certain analytical research, performance tracking, benchmarking, helping to improve products and services and to assist in troubleshooting and technical support.
- Automated Activity
The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to Credit Management Services by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing “offline” searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.
You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.
Credco’s services and Website, the underlying information, software and technology are subject to U.S. export controls. None of the Website services or content may be downloaded, or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. By using Credco’s services and Website, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.
Credit Management Services makes every effort to ensure the information presented in, on or through its Website is accurate; however, Credit Management Services makes no guarantee as to such information, and is not responsible for any resulting loss or damage.
- Warranty, Liability, Indemnification
Credit Management Services makes no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that Credit Management Services shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.
THE WEBSITE AND MATERIALS ARE PROVIDED BY Credit Management Services ON AN “AS IS” BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. Credit Management Services EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.
IN NO EVENT SHALL Credit Management Services, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. Credit Management Services SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law.
Credit Management Services DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL COMPONENTS. CREDCO’S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY Credit Management Services SHALL BE CANCELLATION OF YOUR ACCOUNT.
You agree to indemnify, defend, and hold harmless Credit Management Services, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your account’s) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.
- Electronic Notices and Transactions
You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive Credco’s services, to request that Credit Management Services contact you, to participate in Credco’s Text Message Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a client of Credit Management Services or have requested that we contact you about changes made to your Credit. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities.
You are responsible for obtaining at your own expense all equipment and services needed to access and use the Website, including all devices, Internet browsers and Internet access. If you access the Website or a Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.
- Notice Regarding Technology
Your use of the Website must comply with all applicable laws in the territory in which you access and use the Website.
Credit Management Services reserves the right to investigate complaints or reported violations of the Website Terms and to take any action Credit Management Services deems appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e- mail addresses, usage history, posted materials, IP addresses and traffic information. Credit Management Services reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular Internet address to any Credit Management Services website. These incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to access to and use of the Website, your request that Credit Management Services contact you about its credit repair services, and/or your participation in Credco’s Text Message Program. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.
THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, the obligations in the first four paragraphs of the Website Terms, Sections 5 through 8, 10 through 15 and 17 through 20, shall survive termination of the Website Terms.
Credit Management Services shall not be deemed to have waived any rights or remedies in the Website Terms unless such waiver is in writing and signed by Credit Management Services. No delay or omission on the part of Credit Management Services in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.
The Website Terms constitute the entire agreement and understanding between you and Credit Management Services, except as you and Credit Management Services may later agree in writing to modify the Website Terms. The Website Terms supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter contained herein.
- Confidentiality of Information /
Any information contained on the Website with respect to results obtained by Credit Management Services is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant or guarantee a similar outcome. References to past or present clients or the circumstances of their specific matters do not constitute testimonials or endorsements by such clients, nor are they a guarantee, warranty or prediction of the outcome of your legal matter.
Electronic mail or other communications through this site to Credit Management Services (or any of its lawyers, other employees, agents or representatives) are not secure and are not subject to the attorney-client privilege. Accordingly, Credit Management Services does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to Credit Management Services, no confidential, fiduciary, contractually implied or other relationship is created between you and Credit Management Services other than pursuant to the Website Terms and any subsequent written agreement entered into with Credit Management Services.
You are solely responsible for (a) maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Website and your account information, (b) preventing unauthorized access to or use of the information, files, or data that you store or use in or with Credco’s Website, (c) all electronic communications, including account registration and other account holder information, email and financial, accounting and other data entered using the Credit Management Services Website, and (d) without limiting the foregoing, any and all activities that occur under your account. Credit Management Services will assume that any communications received through the use of the Credit Management Services Website was sent or authorized by you. You agree to immediately notify Credit Management Services if you become aware of any loss, theft, or unauthorized use of the Credit Management Services Website or your account information,
Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.
Credit Management Services provides the Website for your convenience. You use and rely on the information therein at your sole risk. Neither Credit Management Services nor any of its affiliates, third party providers, partners, licensors, employees, distributors or agents is responsible or liable for, or makes any representations or warranties as to the following, without limitation:
- Any representations, promises, recommendations or inducements that may be made by or through any party (including vendors) found at, on, through or from the Website;
- The timeliness, accuracy, reliability, completeness, legality, copyright compliance or decency of the Website;
- Any inaccuracy, omission, error or delay in the services offered on the Website;
- Non-performance of or interruption to the Website or its services due to (i) any act or omission by any disseminating party, (ii) any force majeure or any other cause beyond the control of any disseminating party, or (iii) outages, transmission quality or malfunctions of telephone circuits or computer systems, including any defects or failures with respect to your software computer systems or Internet access provider;
- Any loss resulting from, including any unauthorized access by a third party, arising out of or related to your access and/or use of or interaction with the Website.
- General Provisions
“Credco Management LLC is one of the best companies I’ve ever worked with! Jason has been such an amazing person to work with and I couldn’t ask for better help at all! He helped me get our apartment complex refinanced with ease. They are 100% the best company to go with”Jeff BakerGoogle Review
“I had the pleasure of speaking to Jason today (via Ethan) and what a wealth of knowledge regarding data breaches ! Cybersecurity is really essential in this day and age. He's also very knowledgeable in other areas and well connected. Thank you Jim Cockrum (PAC) and 7 Figures Funding for leading me to Credco !”Don LohFacebook Review
“After experiencing fraudulent claims on my credit when my identity was stolen - ex) having loans from schools I didn’t attend, having unpaid medical bills from states I’ve never been to let alone had medical services in…
THIS COMPANY HAS HELPED ME SO MUCH! They were able to get everything handled without any issues. They were so professional, and the process was easy. I had hired attorneys to fix things which lead to so many unnecessary costs + they never actually were able to correct things properly. Luckily for me I found this company, and now I’m in the place I deserve to be!
It’s so frustrating when you’re in the position I was, and no one was able to help! I genuinely wanted to post this so if anyone is having issues with their credit - whether it is like my situation or you have your own - please look into trusting this company!
I have never done a post like this, but after having the worst experience working with other companies - I wanted people I love and respect to know they have options!! This is an amazing company, and I’m so grateful for them!”Nikki JuraszekGoogle Review
“Credco Management is by far the best company I have ever worked with for directing me on how to manage my Credit Scores. They helped me start a company that has made me SEVERAL THOUSANDS OF DOLLARS THIS PAST YEAR. PARTNERING UP WITH THEM HAS BEEN ONE OF THE BEST PERSONAL AND BUSINESS DECISIONS I'VE EVER MADE. THEIR ENTIRE STAFF IS THE EQUIVALENT to the Founder, Jason. I highly recommend doing business with Credco.”Angie Morris OstlerFacebook Review
“Credco Mangement helped a lot of our clients get a better score so they can get qualified for a home! We've been working with this company for years and our clients were very satisfied with their service! We'll keep on referring you to our clients. Thank you so much for all your help Jason and Chance!”Elizabeth SyFacebook Review
“Highly Recommend they took my credit from a 520 to 680 in just 30 days! Customer Service was exceptional!!”Devin SpencerGoogle Review
“So I have been working with Chance, I really recommend him. He was really knowledgeable and easy to reach out every time I had a question concerning my credit. The process took less than 60 days, he sent out my dispute in less than 24h after my payment, and in about 1 month later my credit went up 80+ points. I started with my credit being in the 500 and in less than two months I am currently in the 700. I definitely recommend Credco Management, I tried other companies before and it was a waste of money and time, so I wanted to put in this review as I am a really happy customer. Thank you again”Rianma GraceGoogle Review
“Credco Management has achieved amazing results. I’ve also been impressed by Jason’s character and attention to detail. It seems like his motivation is strictly limited to producing a quality result for his client… something he consistently achieves.”Matthew HarrisGoogle Review
“Chance and the team was very professional. They made the effort to explain things thoroughly so that I would understand where they were at in the process. Always available and was able to quickly resolve my credit issues. I would recommend them to anyone who’s looking to fix their credit!”Jay WhiteGoogle Review