Important
Please read these Terms of Service carefully before using our service. By accessing or using ScoreFixers, you agree to be bound by these terms.
Introduction
Score Fixers provides credit consulting services designed to assist individuals in improving their credit profiles through dispute strategies and credit education. These Terms govern your use of Score Fixers' website, services, and all related interactions.
Definitions
Score Fixers: Refers to our company, website, and services.
User: Any individual who accesses or uses our services.
Services: Credit consulting, credit dispute preparation, credit education resources, and credit monitoring guidance.
Agreement: These Terms of Service.
Eligibility
To use Score Fixers, you must:
Be at least 18 years old.
Have the legal capacity to enter into a binding agreement.
Provide accurate and complete information during registration.
Reside in a jurisdiction where our services are legally available.
Account Registration and Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to notify Score Fixers immediately if you suspect unauthorized access.
Score Fixers reserves the right to suspend or terminate accounts for fraudulent activity or violations of these Terms.
Services Provided
Score Fixers offers services including:
Preparation and sending of dispute letters related to inaccurate credit report entries.
Personalized credit improvement advice.
Credit education tools and materials.
Monitoring assistance and progress tracking.
Important: Score Fixers does not guarantee specific outcomes or results. Credit report changes depend on many external factors beyond our control, including creditor policies and credit bureau procedures.
Payment Terms
Fees: Service fees are due as disclosed at the time of registration or purchase.
Authorization: By enrolling, you authorize Score Fixers to charge your selected payment method for fees and recurring billing if applicable.
Payment Commitment
By enrolling in Score Fixers' services, you agree to a mandatory three (3) month payment commitment.
Whether paid upfront or through a monthly payment plan, you must complete three consecutive months of payments for the services to take full effect.
If you fail to complete the three-month term, services may be suspended, and you will no longer be eligible for the Money-Back Guarantee.
Early cancellation, missed payments, or payment disputes void the guarantee and terminate services immediately without refund eligibility.
Money-Back Guarantee
We proudly offer a Money-Back Guarantee under strict eligibility requirements:
To qualify, you must:
Complete four (4) rounds of disputes, allowing Score Fixers to submit one dispute round every 30 days.
Not miss or delay any scheduled dispute round. Missing or delaying a round disqualifies you.
Maintain active credit monitoring throughout the full service period.
Avoid new negative activity on your credit report (including late payments, new collections, charge-offs, or new installment loans) during the program.
Achieve a total credit utilization rate of 6% or lower by the time your third dispute round is completed.
Maintain a credit utilization rate of 6% or lower at the time of submitting a refund claim.
Wait 60 days after completion of the fourth dispute round before filing a claim to allow full credit report updates.
Submit a refund request within 15 days after the end of the 60-day waiting period, including proof via updated credit reports showing no improvement.
Refunds will be processed within 30 days after final eligibility approval.
Score Fixers reserves the sole right to determine qualification for the Money-Back Guarantee based on internal service records and credit monitoring data.
Failure to meet any of these conditions disqualifies you from eligibility for a refund.
No Refund Policy
All fees paid to Score Fixers are non-refundable, except under the specific conditions outlined in the Money-Back Guarantee.
No refunds will be issued for unused services.
No refunds will be issued if you decide to discontinue use of services mid-program.
No partial refunds will be issued for incomplete service periods.
No refunds will be issued based on dissatisfaction unless full eligibility under the Money-Back Guarantee has been met.
By purchasing our services, you agree that Score Fixers is entitled to full payment, regardless of service usage or perceived outcome.
Cancellations
You may cancel your service at any time by contacting customer support.
Cancellations will take effect at the end of the current billing cycle. No prorated refunds will be offered.
Chargebacks and Payment Disputes
Filing a chargeback or payment dispute without completing Score Fixers' internal refund process is a violation of these Terms.
We vigorously contest all chargebacks.
By agreeing to these Terms:
You acknowledge that Score Fixers provides consulting, dispute preparation, and credit education services.
You agree not to initiate any chargeback or payment dispute based on dissatisfaction unless you have fully complied with the Money-Back Guarantee requirements.
You authorize us to submit your signed agreement, service records, and communications as evidence to your payment provider in the event of a chargeback.
Chargebacks filed in bad faith will result in immediate account termination, forfeiture of any remaining services, and potential legal action.
Prohibited Activities
You agree not to:
Use our services for any illegal or unauthorized purpose.
Provide false or misleading information.
Tamper with or interfere with our website or services.
Resell, reproduce, or redistribute any portion of the services without written consent.
Use automated bots or scraping technology to access our services.
Violation of this section may result in immediate account termination and potential legal action.
Limitation of Liability
Score Fixers is not liable for indirect, incidental, special, or consequential damages, including but not limited to lost opportunities, lost profits, or emotional distress.
Our maximum liability for any claim related to services shall not exceed the total amount paid by you to Score Fixers.
Modifications
Score Fixers may update these Terms at any time without prior notice. Changes are effective immediately upon posting. Your continued use of services after updates constitutes acceptance of the revised Terms.
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
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