Terms of Use | Superior Credit Repair Online®

Terms of Use

Welcome to SuperiorCreditRepairOnline.com (“Company,” “We,” “Us,” or “Our”). By using this Website, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use immediately.

1. Website Purpose

This Website provides general information about credit repair, credit analysis, debt education, score improvement, and consumer credit rights. The content is for educational purposes only and should not be interpreted as legal, financial, or tax advice. No Website content guarantees results, score increases, deletions, lending approvals, or improved financing terms.

2. Credit Repair Compliance

Our services follow all federal consumer protection laws, including:

  • Credit Repair Organizations Act (CROA)
  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Consumer Financial Protection Bureau (CFPB) Regulations

We do not remove accurate, timely, or verifiable information from credit reports. We do not participate in “credit sweeps,” file segregation, or any illegal credit activities.

3. No Legal, Financial, or Tax Advice

We are not a law firm or financial advisory firm. Nothing on this Website constitutes legal advice, financial guidance, tax consulting, or professional recommendations. You should consult licensed attorneys, tax professionals, or financial advisors for specialized guidance.

4. Client Agreements

Enrollment in any paid service requires signing a separate written Service Agreement, which includes:

  • CROA-required disclosures of consumer rights
  • Refund and cancellation policies
  • Detailed explanation of services provided
  • Timeline expectations and dispute procedures
  • Electronic signature consent

5. Electronic Signatures & Communications

By submitting your information, signing electronically, or using this Website, you consent to receive electronic communications, including emails, SMS messages, account updates, portal notifications, and service documents. Your digital signature is legally binding under U.S. electronic signature laws.

6. No Guarantee of Results

No specific results are guaranteed. Credit repair outcomes vary based on:

  • Credit bureau reporting practices
  • Individual credit history
  • Creditor verification responses
  • Active debts, balances, and utilization

We do not guarantee score increases, approval outcomes, or deletions of verified information.

7. Payment & Refund Policy

We follow CROA requirements: You are only charged after services are performed.

Refunds are provided if the Company fails to perform services as outlined in the signed agreement.

8. Prohibited Use

You agree to NOT:

  • Use bots, scrapers, or automated systems to access this Website
  • Copy, replicate, or redistribute Website content without permission
  • Misuse forms or Website data to commit fraud
  • Interfere with the Website’s security or performance

9. Intellectual Property

All content, logos, brand names, videos, designs, images, layouts, and written material on this Website are the exclusive property of Superior Credit Repair. Unauthorized use, duplication, or distribution is prohibited.

10. Arbitration Agreement

Any dispute regarding these Terms shall be resolved exclusively through binding arbitration in the State of Alabama. Users waive any right to participate in class action lawsuits or class-wide arbitration.

11. Governing Law

These Terms are governed by and interpreted under the laws of the State of Alabama, regardless of conflict-of-law principles.

12. Contact Information

If you have questions about these Terms of Use, contact us:

Superior Credit Repair
Website: SuperiorCreditRepairOnline.com
Phone: 888-715-2400
Email: [email protected]

Last Updated: January 2025