Terms of Service
BINDING SERVICE AGREEMENT
Agreement Details
Please review the complete service terms, legal rights, client responsibilities, and procedural guidelines governing Simmons Credit Repair financial management programs.
1. Acceptance of Terms & Authority to Act
By executing a service enrollment, submitting electronic signatures, or using the Simmons Credit Repair client portal, you enter into a legally binding agreement with Simmons Credit Repair LLC. You certify that you are at least 18 years of age, legally competent to enter into contracts under applicable jurisdiction, and authorized to request analysis of your credit files.
You hereby grant Simmons Credit Repair limited power of attorney to correspond with consumer reporting agencies (Equifax, Experian, TransUnion), original creditors, and third-party data furnishers solely for the purpose of auditing, verifying, and challenging inaccurate or unverifiable trade lines.
2. Scope of Credit Repair Services
Simmons Credit Repair agrees to provide structured credit evaluation, dispute processing, and advisory consulting pursuant to the Fair Credit Reporting Act (FCRA) and applicable state statutes:
- Comprehensive line-by-line tri-bureau credit audit identifying reporting inconsistencies and statutory violations
- Drafting and transmission of customized dispute correspondence and verification demands to credit bureaus and furnishers
- Continuous real-time tracking of dispute progression, investigation outcomes, and score updates in the client portal
- Debt validation requests ensuring third-party collection agencies possess valid legal standing and chain-of-title documentation
3. Client Responsibilities & Operational Requirements
The efficacy and speed of dispute resolution rely upon client cooperation. By enrolling, you agree to fulfill the following operational prerequisites throughout your service tenure:
- Maintain an active tri-bureau credit monitoring subscription to facilitate periodic report re-pulls and verification checks
- Forward copies of all bureau correspondence, investigation reports, or creditor response letters within 5 business days of receipt
- Refrain from applying for new lines of credit, taking on high credit card balances, or incurring fresh negative records during active dispute cycles
- Provide accurate, truthful identity documentation including government photo identification, Social Security verification, and proof of address
4. CROA Compliance & Cancellation Rights
Under the Credit Repair Organizations Act (CROA), you possess the unconditional right to cancel this contract without penalty or obligation at any time prior to midnight of the third (3rd) business day following the date on which you signed the agreement. No advance fees are charged prior to the full performance and delivery of agreed services.
To exercise your right of cancellation, submit a written Notice of Cancellation via electronic mail to [email protected] or via certified postal mail to our principal operations center. Upon timely receipt of notice, all billing authorizations will be immediately terminated.
5. Limitations of Liability & Disclaimers
Simmons Credit Repair makes no guarantees, warranties, or representations regarding specific credit score point increases or guaranteed removal of accurate, timely, and verifiable negative items. Consumer credit score outcomes depend on individual credit utilization, payment history, external creditor reporting, and third-party bureau compliance.
In no event shall Simmons Credit Repair LLC or its affiliates be liable for indirect, incidental, special, or consequential damages resulting from third-party bureau investigation delays or decisions by commercial lenders regarding credit underwriting applications.
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Disclaimer: Simmons Credit Repair is a professional credit restoration and advisory firm operating in strict compliance with the Credit Repair Organizations Act (CROA). Individual results may vary based on unique credit profile factors, bureau response timelines, and ongoing financial behavior.