Terms & Conditions

THE CREDIT REPAIR KINGS LLC
Last updated: October 30, 2026

These Terms & Conditions ("Terms") apply when you use the Credit Repair Kings website, our intake form, our phone line, our text messages, and our services. "Credit Repair Kings," "we," "us," and "our" mean THE CREDIT REPAIR KINGS LLC. "You" means the person using our website or services. By using them, you agree to these Terms. If you don't agree, please don't use them.

1. Who We Are

THE CREDIT REPAIR KINGS LLC is a credit repair company based in Florida, with 16+ years in business.
4045 Sheridan Ave #172, Miami Beach, FL 33140
Phone: (888) 248-3282 · Email: roland@creditrepairkings.com · Website: https://creditrepairkings.com

2. Our Services

We help consumers review their credit reports and challenge items they believe are inaccurate, incomplete, outdated, or unverifiable. Depending on your plan, this can include:

  • reviewing your credit reports from Experian, Equifax, and TransUnion;
  • preparing and sending disputes to the credit bureaus and, where appropriate, to creditors and collectors;
  • tracking responses and giving you regular updates;
  • general credit education.

We work only with information you give us and information on your credit reports. We do not create a new credit identity, we do not advise you to give false information to anyone, and we do not dispute information we know is accurate and current.

The exact services, price, and timeline for your file are set out in your separate written client agreement. If that agreement conflicts with these Terms, the client agreement controls.

3. No Guarantee of Results

We do not guarantee any result. We cannot promise that any item will be removed from your credit report, that your credit score will reach any number, or that you will be approved for a loan, mortgage, car, credit card, or any other credit. Credit bureaus, creditors, and collectors decide on their own whether to correct, verify, or remove information. Accurate and timely negative information can generally be reported for up to seven years, and some bankruptcies for up to ten years. Results differ from person to person. Testimonials and past results are not typical and do not predict your results.

4. Your Rights Under Federal and State Law

  • You can do this yourself for free. You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report.
  • Free credit reports. You can get your credit reports free at www.annualcreditreport.com.
  • 3-business-day cancellation. You can cancel your contract with us without any penalty or obligation within 3 business days after the date you sign it. Your client agreement includes a cancellation form. You can also cancel by emailing roland@creditrepairkings.com or writing to the address above.
  • Written contract. Before you sign, we must give you a written contract and a written statement of your rights ("Consumer Credit File Rights Under State and Federal Law").

5. Your Responsibilities

You agree to:

  • give us true, complete, and current information, and tell us about changes;
  • give us only your own information, or information you are legally authorized to share;
  • keep your credit monitoring account (for example, SmartCredit) active if your plan requires it;
  • send us any letters you get from the bureaus, creditors, or collectors about your disputes;
  • not use our services for any illegal purpose.

6. Payments

  • Fees, billing dates, and payment methods are listed in your written client agreement.
  • By giving us a payment method, you authorize us to charge it as described in your client agreement.
  • You can stop future services at any time by contacting us. Cancelling does not cancel charges already incurred under your service agreement.
  • Any refund is handled only as written in your client agreement.

7. Intake Form and Account Information

To work on your file, we may ask for your name, contact details, date of birth, Social Security number, ID and proof of address, and logins for your credit monitoring and bureau accounts. You give these so we can do the work you hired us for. We protect them as described in our Privacy Policy, and we never ask for them by text message. Please never text us your Social Security number or passwords.

8. SMS Terms (Credit Repair Kings Alerts)

Program name: Credit Repair Kings Alerts.

What you'll receive: If you agree to receive texts (by checking the consent box on our intake form or by agreeing on a phone call with our office), THE CREDIT REPAIR KINGS LLC will text the mobile number you gave us about your inquiry and your account. This includes your secure intake form link, appointment confirmations and reminders, and replies to your account questions. We do not send marketing or promotional texts under this program.

Consent is optional: Consent to receive texts is not a condition of purchase.

Frequency: Message frequency varies.

Cost: Message and data rates may apply.

Opt out: Reply STOP to cancel at any time. We will send one text to confirm you've been unsubscribed, and you won't get more texts from this program unless you sign up again. Reply START to sign up again.

Help: Reply HELP for help, or contact us at (888) 248-3282 or roland@creditrepairkings.com.

Carriers: Carriers are not liable for delayed or undelivered messages.

Eligibility: You must be the account holder or an authorized user of the mobile number you give us.

Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. See our Privacy Policy: https://creditrepairkings.com/privacy-policy.

9. Website Content

The content on our website and in our messages is general information, not legal or financial advice. We own our website content, logos, and materials. Please don't copy them without our written permission.

10. Limitation of Liability

As far as the law allows, Credit Repair Kings is not liable for any indirect, incidental, special, or consequential damages, including denied credit, lost opportunities, or decisions made by credit bureaus, creditors, collectors, or lenders. As far as the law allows, our total liability for any claim related to our services is limited to the fees you paid us for those services. Nothing in these Terms limits any right you have under the Credit Repair Organizations Act, the Fair Credit Reporting Act, or Florida law that cannot legally be waived.

11. Governing Law

These Terms are governed by the laws of the State of Florida and applicable U.S. federal law. Any dispute will be handled in the state or federal courts located in Miami-Dade County, Florida, unless the law gives you the right to bring it somewhere else.

12. Changes to These Terms

We may update these Terms from time to time. Each time we do, we will change the "Last updated" date at the top. Changes do not affect a signed client agreement unless you agree to them in writing.

13. Contact Us

THE CREDIT REPAIR KINGS LLC
4045 Sheridan Ave #172, Miami Beach, FL 33140
(888) 248-3282 · roland@creditrepairkings.com · https://creditrepairkings.com