Our Terms/FAQ

Our 100% Money Back Guarantee & Cancellation Policy:

If there is no improvement to your credit report.
You have used our services for a consecutive three months.
You agree to use a credit monitoring service during the entire time of using our service.
You have at least three negative items on the credit report at the time of sign-up.
You have not used a credit-consulting agency nor attempted to repair your credit two years prior to signing up for our services.
You agree to send updated credit reports from the three credit bureaus to us within 5 days of receipt.
You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received.
You agree to send all correspondence received to us within 5 days of receipt from creditors, credit bureaus and any other entity you are working with.
You agree not to add any new late payments or collections to your credit nor increase your debt to income ratio or apply for any new accounts.

Cancellation Policy:
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (5) five days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.

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Privacy Policy:
Commitment to Your Privacy
This site is owned and operated by Limitless Financial Solutions, LLC. Your privacy on the Internet is of the utmost importance to us. At Limitless Financial Solutions, LLC, we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information
Limitless Financial Solutions, LLC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Security
Limitless Financial Solutions, LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information Limitless Financial Solutions, LLC Gathers and Tracks
Limitless Financial Solutions, LLC gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• InformationLimitless Financial Solutions, LLC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.5

Terms of Condition

Prior to starting our services, you will sign a client agreement form along with the following:

Credit Service Agreement

Authorization for Credit Repair Action

Consumer Credit File Rights (CROA Disclosure)

Right Of Cancellation Notice

The services we perform may include:

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.

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 written notice as outlined in your client agreement.

It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.

What is Credit Repair?

Credit repair refers to the process of disputing mistakes and errors in your credit reports. Each credit bureau maintains their own proprietary version of your credit report. They strive to maintain accurate information, but errors can occur. Credit repair is the process you use to correct those errors by submitting a dispute to the credit bureau that issued that report. If the information cannot be verified within 30 days, the credit bureau must remove the item you disputed.

A brief history of credit repair

Credit reporting started in the 1960s in the tri-state area of Pennsylvania, Delaware and New Jersey. Small local agencies kept profiles on consumers to track their borrowing and debt repayment habits. Local banks used this information to help them during underwriting, to decide if a person should be approved for a new loan.

In 1970, Congress passed the Fair Credit Reporting Act. This law protected the rights of consumers and guaranteed the right to a fair and accurate credit report. Part of that protection was the right to dispute information that the consumer found inaccurate. Thus, credit repair was born.

Over the next decade, credit reporting agencies went from localized companies to the nationwide credit reporting agencies we know today. Almost all lenders and creditors go through the three credit bureaus (Experian, Equifax, and TransUnion) to get consumer credit reports. That’s good for consumers because it means they only need to worry about three credit reports. As long as you review those three reports regularly and make sure they’re error-free, you can present the best possible credit profile when someone checks your credit.

How long does it take to improve my credit?

The bureaus must respond in 30 days of the dispute. Within the first 60 days, you will start to see improvement in your credit report. Depending on the number of negative items appearing on your credit reports will determine the duration of time that services will be needed. We dispute 4 items in a 35-day cycle. The more disputed items the longer it takes. 12 Items can take up to 90 to 120 days or longer.

Can I apply for credit while my credit is under repair?
No, if you apply for any new credit because it will interfere with the process of restoring your credit and void our guarantee.

How often should I expect to get mail from the credit bureaus?
You will receive updated credit reports about every two-three weeks until your account is completed. As items are disputed the bureaus will forward correspondence directly to you regarding the progress on the disputes.

When I receive my credit reports/correspondence what should I do with them?
Immediately send the original reports to Limitless Financial Solutions, LLC and make copies to be kept for your records.
Failure to send within 5 days will void our guarantee.

What We Do

Our service includes:

Bankruptcy, tax lien updates, collections errors, change offs errors, student loans, repossessions, credit inquiries, late payments, child support, judgments, foreclosure, derogatory items, false items and more. We also Re-review your credit report once they send it back and keep battling until they get it right. We even make them verify how they got the information if they claim it is accurate.

FACT:

Accurate negative credit information can NOT be erased unless the creditor fails to validate or proves it.

Accurate negative credit information can NOT be erased unless the creditor fails to validate or proves it. Accurate credit information cannot be erased from a credit report within seven years of the reporting period. The only information that can be changed are items which are actually wrong, or are beyond the seven year reporting date. If you have a poor credit history, time is the only thing that will heal your past credit report.

Things we can do
Improve your credit rating by;

Demand Proof of the Debt (Validate debt)
Remove Account if not Validated
Dispute of Inaccurate Information
Remove or Correct Inaccurate Negative Information
Remove Expired or Debts that are past the Statute of Limitations
Remove Debt that is not yours
Correct Bankruptcy Information
File Motion to Remove Judgment of Public Record (if your state law allows).
Remove Judgment from Record (if motion is granted by the court).
Remove Unauthorized Credit Inquiries

Things we can not do

Remove Accurate Information (positive or negative) But the creditor must prove it!
Remove Judgments without Court Order
Remove Verified Accurate Inquiries
Make your debts go away

Things we will not do

Provide false information to you or anyone
Make a new Credit file
Make False Promises

Are you a licensed company?

There are no licenses for this type of service. We STRICTLY follow The Credit Repair Organizations Act, the Attorney General’s Guidelines and the Fair Credit Reporting Act. Federal and State law requires that you may cancel, without any penalty or obligation, at any time before midnight of the 3rd business day, which begins after the date the contract is signed by you. FULL REFUND OF ANY MONIES PAID WILL BE RETURNED WITHIN 10 DAYS OF RECEIPT OF CANCELLATION NOTICE.

What payment methods do you accept?

What payment methods do you accept?
Credit Cards – Debit Cards- Electronic Transfer

What happens if I cannot pay my monthly payments?
We charge a $119.00 fee for credit analysis with monthly payments from $99.00. If we agree to a payment Plan and you fail to pay as agreed: Your account will go into a holding status until the account is brought up to date. If payment is not made in 60 days than account will be closed.