Terms & Conditions

Every client must sign a “Limited Power of Attorney allowing us to work on your behalf with the 3 credit bureaus (Experian, Equifax and Transunion), and all creditors and collection agencies”.

This agreement between The Credit Guru and the undersigned (The Client) is for the express purpose of credit report improvement. The Credit Guru will attempt the removal of errors, misrepresentations, or unverifiable information, that The Client claims to appear on the credit report(s) they have furnished to us . This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated or erroneous information must be removed, regardless of accuracy. The Credit Guru agrees to act diligently in the pursuit of this legal matter, and will carry out this agreement within all Federal and States laws.

The Client understands that there is a one time fee for the initial setup. The Client further agrees to pay a monthly fee as outlined in their application for all work associated with this service. The fee is automatically billed at the end of each month of work completed, unless the client has cancelled service in writing! Payments made 15 days after the due date results in a $10.00 late fee.The Credit Guru agrees to perform the service for this amount and states that there are no additional costs.

The Client agrees to send all correspondence and credit reports, from the credit reporting agencies, to The Credit Guru as soon as received and not to send any correspondence back to the credit reporting agencies. The Client must notify The Credit Guru if they have not received any credit reports or correspondence from the credit reporting agencies 40 days after the last correspondence from The Credit Guru or the credit reporting agencies. The client must also inform The Credit Guru of any change of address or any other status. Failure to do so puts The Client responsible for any lack of progress in the disputing process.

The client is held responsible for payment for all work completed. If payment for any period of work performed is not received within 30 days from the appropriate due date, the client hereby gives implicit permission to The Credit Guru to charge the client’s debit/credit Card for the client’s account. The term of this agreement shall be one year. If the client decides to cancel the monthly service at any time during the year, a written request must be sent to The Credit Guru. If The Credit Guru has worked on your file prior to receiving your written cancellation but after the 15th day of the previous month you will be charged for the current month and then cancelled. If the client does not cancel, The Credit Guru will automatically renew this agreement for an additional year if the service has not been completed. The Credit Guru will at any time end the procedure if he concludes that no further work is necessary.

Due to the nature of this legal service, the client(s) understand that individuals that assist The Credit Guru in this matter may view my file and its contents. All people such as legal or research assistants and secretaries have been alerted to the sensitivity of these documents. The Credit Guru and their staff will take all reasonable measures to ensure that this information will be handled in a responsible manner.

The client(s) acknowledge that they have 5 business days to cancel for a full refund and acknowledge reading “Consumer Credit File Rights Under Federal and State Law” (can be found here).

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