Effective Date: 7/16/2025
Last Updated: 7/16/2025
Introduction
Welcome to Kings Credit Repair, LLC. These Terms and Conditions ("Agreement") govern your use of our credit repair services ("Services"). By using our Services, you agree to be bound by this Agreement.
If you do not agree to these terms, please do not use our Services.
Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
Our Services
Kings Credit Repair, LLC provides services to assist clients in improving their credit reports by identifying and disputing inaccurate, outdated, or unverifiable information with credit bureaus and creditors. Services may include:
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 a written notice as outlined in your client agreement.
No Guarantee of Results
We do not guarantee any specific outcome, including improved credit scores or removal of specific items from your credit report. Results may vary depending on individual credit history and third-party actions.
Client Responsibilities
You agree to:
Payment and Fees
Cancellation Policy
Under federal law (CROA), you have the right to cancel this contract without penalty or obligation by providing written notice of cancellation within three (3) business days from the date of signing. Written notice must be delivered by certified mail or email to Kings Credit Repair at Hello@KingsCreditRepair.com no later than midnight of the third business day following the contract execution date. If cancellation occurs within this period, any payments made by the Client will be refunded in full within 10 days of receipt of the cancellation notice.
You may cancel our services at any time. Please notify us in writing at Hello@KingsCreditRepair.com at least 7 days before the next billing period.
Disclosure and Compliance
We comply fully with the Credit Repair Organizations Act (CROA) and all applicable state laws. We do not:
Confidentiality and Privacy
We are committed to protecting your privacy and will handle your information with strict confidentiality, in accordance with our Privacy Policy.
Limitation of Liability
To the fullest extent allowed by law, Kings Credit Repair shall not be held liable for any indirect, incidental, special, or consequential damages resulting from the use of our services.
Dispute Resolution
Any disputes arising from or relating to these terms shall be settled through binding arbitration conducted in the State of Kentucky, in accordance with the rules and procedures of the American Arbitration Association.
Governing Law
This Agreement shall be governed by and interpreted in accordance with the laws of the State of Kentucky, without regard to any conflict of law provisions.
Please note that we provide credit-related information and strive to ensure its accuracy while clearly outlining your available options. However, we do not offer legal advice or interpret the law as it applies to your specific situation.
For legal guidance tailored to your circumstances, we strongly recommend consulting a licensed attorney.
For the term "credit repair business”:
CONSUMER CREDIT FILE UNDER STATE AND FEDERAL LAW
You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, negative information removed from your credit report before it is seven years old. Bankruptcy information can be reported for ten years.
You have the right to obtain a copy of your credit report from a credit bureau. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are the recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. The law prohibits deceptive practices by credit repair organizations.
You have a right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information on the report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning any error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington D.C. 20580.
Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time. We will notify you of material changes by updating the date at the top of this page.
Contact Information
If you have any questions regarding these Terms and Conditions, please contact us: Hello@KingsCreditRepair.com
Last Updated: 7/16/2025
Introduction
Welcome to Kings Credit Repair, LLC. These Terms and Conditions ("Agreement") govern your use of our credit repair services ("Services"). By using our Services, you agree to be bound by this Agreement.
If you do not agree to these terms, please do not use our Services.
Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
- Credit Service Agreement
- Authorization for Credit Repair Action
- Consumer Credit File Rights (CROA Disclosure)
- Right Of Cancellation Notice
Our Services
Kings Credit Repair, LLC provides services to assist clients in improving their credit reports by identifying and disputing inaccurate, outdated, or unverifiable information with credit bureaus and creditors. Services may include:
- Credit report analysis
- Dispute letter preparation and submission
- Creditor and bureau correspondence
- Credit education and consultation
- 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 a written notice as outlined in your client agreement.
No Guarantee of Results
We do not guarantee any specific outcome, including improved credit scores or removal of specific items from your credit report. Results may vary depending on individual credit history and third-party actions.
Client Responsibilities
You agree to:
- Provide accurate, complete, and current information.
- Maintain communication with us and promptly provide requested documents.
- Refrain from any fraudulent or misleading activity in connection with our Services.
Payment and Fees
- Payment
- You agree to remit all payments and applicable fees through electronic payment methods. No other forms of payment will be accepted.
- Fees
- Credit Monitoring
- $1 for first Seven-days trial, then
- $24.99 Monthly for credit monitoring.
- Personalized Credit Consultation with Kings Credit Repair
- $125 for the first month, then
- $99 Monthly Credit Repair Services
Cancellation Policy
Under federal law (CROA), you have the right to cancel this contract without penalty or obligation by providing written notice of cancellation within three (3) business days from the date of signing. Written notice must be delivered by certified mail or email to Kings Credit Repair at Hello@KingsCreditRepair.com no later than midnight of the third business day following the contract execution date. If cancellation occurs within this period, any payments made by the Client will be refunded in full within 10 days of receipt of the cancellation notice.
You may cancel our services at any time. Please notify us in writing at Hello@KingsCreditRepair.com at least 7 days before the next billing period.
Disclosure and Compliance
We comply fully with the Credit Repair Organizations Act (CROA) and all applicable state laws. We do not:
- Misrepresent our services
- Charge fees before services are performed
- Make false claims about your credit
Confidentiality and Privacy
We are committed to protecting your privacy and will handle your information with strict confidentiality, in accordance with our Privacy Policy.
Limitation of Liability
To the fullest extent allowed by law, Kings Credit Repair shall not be held liable for any indirect, incidental, special, or consequential damages resulting from the use of our services.
Dispute Resolution
Any disputes arising from or relating to these terms shall be settled through binding arbitration conducted in the State of Kentucky, in accordance with the rules and procedures of the American Arbitration Association.
Governing Law
This Agreement shall be governed by and interpreted in accordance with the laws of the State of Kentucky, without regard to any conflict of law provisions.
Please note that we provide credit-related information and strive to ensure its accuracy while clearly outlining your available options. However, we do not offer legal advice or interpret the law as it applies to your specific situation.
For legal guidance tailored to your circumstances, we strongly recommend consulting a licensed attorney.
For the term "credit repair business”:
- means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of--
- improving any consumer's credit record, credit history, or credit rating; or
- providing advice or assistance to any consumer with regard to any activity or service described in clause (i); and
- does not include--
- any nonprofit organization which is exempt from taxation under section 501(c)(3) of title 26;
- any creditor (as defined in section 1602 of this title), with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or
- any depository institution (as that term is defined in section 1813 of title 12) or any Federal or State credit union (as those terms are defined in section 1752 of title 12), or any affiliate or subsidiary of such a depository institution or credit union. repairing credit score credit report repair fix my credit
CONSUMER CREDIT FILE UNDER STATE AND FEDERAL LAW
You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, negative information removed from your credit report before it is seven years old. Bankruptcy information can be reported for ten years.
You have the right to obtain a copy of your credit report from a credit bureau. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are the recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. The law prohibits deceptive practices by credit repair organizations.
You have a right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information on the report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning any error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington D.C. 20580.
Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time. We will notify you of material changes by updating the date at the top of this page.
Contact Information
If you have any questions regarding these Terms and Conditions, please contact us: Hello@KingsCreditRepair.com
