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NO SETUP FEES

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NO UPFRONT FEES

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NO MONTHLY FEES

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NO HIDDEN FEES

Pay after delete credit repair service

Only Pay For What Goes Way

NO deletions, NO payments! It's that simple!

CREDIT REPAIR IN THREE EASY STEPS

  • 1

    SIGN UP FREE

    It only takes a minute to sign up and there are NO setup, NO monthly, NO upfront, and NO hidden fees
  • 2

    FREE CREDIT EVALUATION

    We do a free credit analysis of items hurting your score. You let us know which of those items you want us to work on. Order your credit reports HERE
  • 3

    NEGATIVE ITEM DELETION

    After you approve the items to correct or delete, results can be seen in as little as 30 days
  • WE GET RESULTS OR WE DON'T GET PAID!

    That is something the other companies can't say. They earn more money the longer you have bad credit. Are you tired with everyone wanting a fee before you see even One result? A fee to evaluate your report, a fee to write a letter, a fee every month just for sending letters? We are so confident in using our distinct approach that We ONLY Charge for results with NO Monthly fees, NO Evaluation Fees and NO Hidden Fees.

    WE ARE CREDIT REPAIR PROFESSIONALS
    THAT PRIDE OURSELVES IN RESULTS
    NOT JUST A CALL CENTER

    Our Credit Repair Results

    Click through a few of our customer's results

    Simple Pricing

    We began our family business over a decade ago by offering an industry unique business model: Pay ONLY after each delete! Zero upfront, Zero monthly.

    • INDIVIDUAL
      PRICING

      $99

      /DELETE

      If you are signing up by yourself, our individual plan will help get you on your way to having excellent credit.

      Select Plan
    • SPOUSE
      DISCOUNT

      $89

      /DELETE

      If you are signup up with your spouse, you can both share a discount on your credit repair service.

      Select Plan
    • INQUIRY REMOVAL
      NEW SERVICE

      $50

      /DELETE

      Inquires plaguing your report? We can remove them with our new inquiry removal service.

      Select Plan
    As per the FCRA: Only items that are 100% accurate, verifiable, and timely are allowed to be on your credit report. Learn More

    Our Process and What We Work On

    See what's impacting your score with a FREE negative item summary, FREE recommended credit solution!
    Once you approve the deletion plan, results can be seen in as little as 30 days. Get your FREE online credit evaluation now!

    • blue box looks like atache case
      Collections
    • small box blue image
      Tax Liens
    • blue outline of an eye and retina
      Inquires
    • icon for you got mail
      Judgements
    • blue image of watch face small
      Late Payments
    • blue small box image of a heart
      Medical Collections

    Learn More

    Meet The Family Here To Help You

    Family owned and operated and always a real person on the other side of the phone throughout the entire credit repair process.

    Our Team

    Common Questions

    Everything you need to know before you get started

    • How does credit repair work?

      We have a number of solutions at our disposal, but we usually start with disputing inaccuracies that our in house credit repair specialist is trained to find.

    • Can you order our credit reports for us directly?

      No, we cannot run your credit for you; however, we will instruct you on where to receive a copy of your credit report online.

    • How long does credit repair take?

      When credit reports are promptly sent to us, many clients have seen results in less than 30 days.

    • Is there a guarantee?

      Of course, there is. Only pay for what goes away. We only charge after there are results, not before.

    • Where do I get my credit reports?

      We recommend MyScoreIQ as it is easy to read and only $1. If you need assistance, please give us a call.

    • Is credit repair legal?

      Of course it is. The credit repair industry is regulated and recognized by state and federal government.

    PRICING DEFINITION: A fee is generated for the deletion or repair of an item. A deletion is defined as a negative item being removed from any bureau for any reason during our service. A repair or correction is defined as an item in negative status being changed to positive status. An item is not considered repaired unless ALL negative information is removed from the reporting of the item. IMPORTANT: - All prices are per item and per bureau. A removal of ANY item form ANY bureau counts as ONE (1) removal. The deletion of an account from all three credit bureaus counts as THREE (3) deletions.


    *Opt-in: By contacting our company, you agree to receive text messages. Please note message and data rates may apply. By texting into this number, you agree to receive reminders/informational text messages throughout your credit repair process. Message frequency varies. You may opt out of receiving text SMS at any time by replying STOP.

    As per the FCRA: Only items that are 100% accurate, verifiable, and timely are allowed to be on your credit report. We challenge the credit bureaus to prove that these items are 100% accurate, verifiable, and timely. Qualified items are determined based on client input.

    Sign Up

    Your Information

    Terms and Conditions

    Detailed Information

    Accessing Your Credit Issues

    In order for us to contact the bureaus on your behalf we need to get a little information first. You will need to be located in one of the states we currently provide services in.

    ext.

    Your information is safe and secure with CREDIT RX AMERICA. You can read about it in our privacy policy.

    CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

    You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. 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 a 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. This law prohibits deceptive practices by credit repair organizations.

    You have the right to cancel your contract with any credit repair organization for any reason within five business days from the date you signed it.

    Credit bureaus are required to follow reasonable procedures to ensure that the information they 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 an 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

    CREDIT RX AMERICA LLC
    STATE DISCLOSURE

    1. Complete and Detailed description of Services to be performed by Credit RX America LLC, et al, hereinafter referred to as "CRA". Our services are "Ala Carte" and you only pay for what you ask to be disputed after it has been updated.

    CRA's services include assisting you in disputing inaccuracies, misstatements, misleading or unverifiable information and other incorrect information reported on your credit reports. CRA does not offer credit to consumers or lend money. Pursuant to the terms of this Service Agreement, CRA shall provide the following services: With No upfront Fees, No Startup Fees, No Monthly Fees. Credit RX America LLC does not offer credit to consumers or lend money.

    You, the buyer, may cancel this contract at any time before midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

    Pay Only For Results Plan:

    Fee of $99.00 per (Standard) item updated or deleted from each credit (bureau) file (or $89.00 if you sign up with your spouse and work on both of your credit files at the same time). Standard items include (Inaccurate, untimely, unverifiable): Collections, Charge-offs, Repossessions, Medical Bills, Late Pays, Foreclosures, Bankruptcies, and Judgments. Fee(s) are earned as each delete occurs.

    Optional Credit Services: Optional Disputing Credit Inquiries on your Credit Report: Fee of $50 for each Inquiry from each credit reporting agency. Payment due to CRA upon the correction/removal of each inquiry.
    Optional Identity Protection-Credit Freeze: Fee of $50 for each Identity and each credit reporting agency. Payment due to CRA upon CRA preparation and mailing the request for credit freeze(s) to CRA(s).
    Discounts that may be applied: 1) Active military service personnel discount in the amount of 10% (with presentation of valid active duty military ID) off all billed services listed above.
    If you, the Client, seek additional services not contained in the Program you selected, a separate agreement may be required.

    2. Six (6) Month Contract term.

    As the particular issues involved in each individual case vary from case to case, we cannot guarantee a specific outcome or accurately predict how long it will take. As such, the dispute process may take more or less than twelve months. On average, clients remain active for 6 to 8 months, although for each individual case, this average can be reduced or extended based upon the promptness of the client to forward necessary information and upon the number and Circumstances of the issues being disputed on the individual's credit report. However, most state laws only allow a 6 month contract, in other states this contract will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration.

    3. Total Cost for Services

    The total amount charged to you will depend on how many items on your credit report(s) you choose to have us correct or have investigated. CRA charges you after an item is deleted/corrected. This payment covers all of the work fully and completely rendered as described in Paragraph 1, CRA's Scope of Services, and section titled "pay for results", "Optional credit services" and "Identity Protection" are due at the completion of each deletion/correction or Optional service completed.

    4. Surety Bond

    Certain States require a statement by CRA informing the consumer about CRA obtaining and maintaining a bond and a place of business within the State. However, due to the fact that CRA bills consumers only after services are completed, CRA and certain subcontractors may not maintain a bond in any State nor a Headquarters in any State other than Wyoming.

    5. Non-Profit Credit Counseling Services Notification

    Consumers should be aware that non-profit credit counseling services are available which provide a range of financial and money management services. Additional information is available at the Federal Trade Commission website.

    6. Consumer Credit File Rights Under State Law

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

    You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. 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 a 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. This law prohibits deceptive practices by credit repair organizations.

    You have the right to cancel your contract with any credit repair organization for any reason within 5 business days from the date you signed it. If for any reason you do cancel the contract during this time, you do not owe any money.

    Credit bureaus are required to follow reasonable procedures to ensure that the information they 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 an 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

    Specific State disclosures:

    Applicable to residents of the referenced states. If no numerical reference is made next to the state abbreviation, ALL disclosures that follow apply for that stat):

    You also have the right to contact your own state authorities that regulate credit bureaus and credit services organizations.

    Definitions:
    All State references to credit reporting organizations are renamed herein as credit bureaus; all State references to credit repair organizations are renamed herein as credit services organizations.

    Note:
    Certain States require a statement by CRA informing the consumer about CRA obtaining and maintaining a bond and a place of business within the State. However, due to the fact that CRA does not require a Contract for any duration of time with the consumer and the fact that CRA bills consumers only after services are completed each month, CRA and certain subcontractors do not maintain a bond or a place of business in any State other than Virginia, North Carolina, and Wisconsin.

    AZ, AR, DE(1), IN, IL(5), MA, MD, MO, NB, OK, OR, NH, PA(5), TX(5), WA, UT, VA:

    Regarding Credit Bureaus:

    (1) the credit bureau must provide a complete and accurate statement of the consumer's right to review any file, as reported in the Fair Credit Reporting Act (15 U.S.C.A. §1679 et seq) and (Federal Fair Credit Reporting Act (15 USC §1681g);
    (2) the credit bureau must provide a statement that a review at no charge will be conducted on the consumer's credit report from which a credit denial is based if requested within thirty (30) days of the consumer receiving a notice of credit denial;
    (3) the credit bureau must provide the approximate price the consumer will be charged for a copy of his or her credit report;
    (4) the credit bureau must provide a complete and accurate statement of the consumer's right to dispute the completeness and accuracy of any item contained in any file on the consumer maintained by the credit bureau;
    (5) a nominal charge may be imposed on the consumer by the credit reporting agency for a copy of the consumer report if the consumer has not been denied credit within 30 days from receipt of consumer's request.

    Regarding Credit Services Organizations and CRA:
    (6) CRA provides a complete and detailed description of the services performed and the total fees charged by CRA within the Credit Report Audit Verification, Service Agreement accompanying this disclosure statement, and by this reference, made a part of this Disclosure Statement.

    CA, IN(4), KS(4), LA(4), MO(4), NB(4), WV(4):

    Regarding Credit Bureaus:
    (1) You may be charged a reasonable fee not exceeding eight dollars ($8) for a credit report; Regarding Credit Services Organizations and CRA:
    (1) Neither you nor any credit services organization has the right to have accurate, current, and verifiable information removed from your credit report;
    (2) If for any reason, you cancel the Service Agreement with the credit services organization within the three days from the date you signed the Service Agreement, you do not owe any money;
    (3) You have a right to sue a credit services organization if it misleads you;
    (4) You have the right to obtain the services of a nonprofit credit counseling service which may be able to assist you in your credit matters.

    CO:

    Regarding Credit Bureaus:
    Even when a debt has been completely repaid, your credit report can reflect that the debt was paid late if that is accurate.

    RIGHTS UNDER COLORADO AND FEDERAL LAW You have a right to obtain a copy of your credit report from a credit bureau at no charge once per year with additional copies available for a small fee. You have a right to dispute inaccurate information by contacting the credit bureau directly. However, you have no right to have accurate information removed from your credit bureau report. Under the federal "Fair Credit Reporting Act", the credit bureau must remove accurate negative information from your report only if it is over 7 years old. Bankruptcy can be reported for 10 years. Even when a debt has been completely repaid, your report can show that it was paid late if that is accurate. You have a right to sue a credit repair company that violates the "Colorado Credit Services Organization Act". This law prohibits deceptive practices by repair companies. The "Colorado Credit Services Organization Act" also gives you a right to cancel your contract for any reason within 5 working days from the date you sign it. The Federal Trade Commission enforces the federal "Fair Credit Reporting Act". For more information, call or write the Federal Trade Commission. The administrator of the "Uniform Consumer Credit Code" enforces the "Colorado Credit Services Organization Act". For more information, call or write the Colorado attorney general's office.

    FL, KS, MD, MO, NB, and WV:

    Regarding Credit Services Organization and CRA:
    Accurate information cannot be permanently removed from the files of a credit bureau.

    NC:

    As required by North Carolina law, this credit repair business has secured a bond by Hudson Insurance Company 1035 Greenwood Blvd Suite 265 Lake Mary FL 32746, a surety authorized to do business in this State. Before signing a contract with this business, you should check with the surety company to determine the bond's current status.

    IL, KS, MD, MA, VA:

    Regarding Credit Bureaus:
    You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)

    A consumer has a right to dispute the completeness or accuracy of any item contained in any file on the consumer that is maintained by any consumer reporting agency, as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681i)

    VA:

    IMPORTANT NOTICE:

    YOU HAVE NO OBLIGATION TO PAY
    ANY FEES OR CHARGES UNTIL ALL
    SERVICES HAVE BEEN PERFORMED
    COMPLETELY FOR YOU, UNLESS YOU
    ENTER INTO A SUBSCRIPTION AGREEMENT
    REQUIRING PERIODIC PAYMENTS IN
    CONSIDERATION FOR ONGOING SERVICES

    Credit Rx America LLC has obtained a bond from: Hudson Insurance Company 1035 Greenwood Blvd Suite 265 Lake Mary FL 32746

    The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx America LLC with the Department of Agriculture and Consumer Services. The surety may be liable only for actual damages and not for punitive damages. The aggregate liability of the surety to all persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may not exceed the amount of the bond.

    We charge per delete only AFTER each delete occurs of the delete(s) that you have asked us to delete. Fee(s) are earned as each delete occurs.

    A fee is generated for the deletion or repair of an item. A deletion is defined as a negative item being removed from any bureau for any reason during our service. A repair or correction is defined as an item in negative status being changed to positive status

    To give notice within the State of Virginia our registered agent address is:

    Credit RX America LLC
    4445 Corporation Ln.
    STE 264
    Virginia Beach, VA 23462

    WI:

    INFORMATION STATEMENT REQUIRED UNDER WISCONSIN LAW

    You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months. You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also have the right to obtain a copy of your file free-of charge from the consumer reporting agency if you request the free copy within sixty days after you receive a notice of a denial of credit.

    You have the right to dispute the completeness or accuracy of any item contained in any file on you maintained by a consumer reporting agency.

    We charge per delete only AFTER each delete occurs of the delete(s) that you have asked us to delete. Fee(s) are earned as each delete occurs. Our fees are above and will depend on what you choose for us to delete.

    The total amount charged to you will depend on how many items on your credit report(s) you choose to have us correct. CRA charges you only after an item is deleted/corrected. Based upon what you have told us about your credit situation it is estimated that the total charge for your services can be calculated by using the following chart:

    # of items chosen by you to Delete X $99.00 (or $89.00 with spouse discount applied) = An estimate of Total Cost
         

    Credit Rx America LLC has obtained a bond from: Hudson Insurance Company 1035 Greenwood Blvd Suite 265 Lake Mary FL 32746

    Any person who has been damaged by the Company may file a claim against the bond or irrevocable letter of credit by contacting the company that issued the bond or letter of credit. Such a person may also file a complaint against the Company with the Department of Financial Institutions.

    NY:

    Regarding Credit Bureaus:
    If reinvestigation of your report by the credit bureau does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inaccurate. The credit bureau must include your statement about disputed data – or a coded version of it - with any reports it issues about you.
    New York law also provides that, at your request, the credit bureau must notify any person who has received a report in the previous year that an error existed and furnish such person with the corrected information.

    TIME LIMITS ON ADVERSE DATA: Most kinds of information in your file may be reported for a period of seven years. If you have declared personal bankruptcy, however, that fact may be reported for ten years. After seven or ten years, the information can’t be disclosed by a credit bureau unless you are being investigated for a credit application of $50,000 or more, for an application to purchase life insurance of $50,000 or more, or for employment at an annual salary of $25,000 or more.






    Separate Notice of Cancellation Form
    (Pursuant to Federal and State Statutes):

    NOTICE OF CANCELLATION

    You may cancel this contract, without any penalty or obligation, within 5 days from the date the contract is signed.

    If you cancel any payment made by you under this contract, it will be returned within 10 days following receipt by the credit service organization of your cancellation notice.

    To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to:

    Credit RX America LLC.
    75 E 3rd St Ste 7
    Cheyenne WY 82001

    I hereby cancel this transaction effective

    __________________________
    ___________________________

    (Client's signature) You may send this notification by email to info@creditrxamerica.com

    CREDIT RX AMERICA LLC SERVICE AGREEMENT

    You (the "Client" or “you”) have contracted Credit RX America LLC., a Wyoming Limited Liability Corporation Headquartered in Wyoming, ("CRA, “us,” or “we”) and CRA has agreed to take action, as specified herein, and as deemed appropriate, to achieve this goal. CRA will provide services pursuant to the terms herein.
    This (“Agreement”) is dated and effective upon the date that the Client accepts the terms herein via electronic signature as recorded electronically by CRA. The term of this agreement is 6 months from the agreement date, and will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration (Under Missouri law Statute RSMo 407.642.1(3) the maximum term of an agreement is 180 days; Missouri clients must re-sign after 180 days).
    CRA does not charge you in advance for any work performed.

    CRA's services include assisting you in disputing inaccuracies, misstatements or unverifiable information and other incorrect information reported on your credit reports. CRA will not remove any derogatory information (defined as accurate information appearing on your credit report), and does not offer credit or lend money.
    IMPORTANT – All prices are per item (per bureau). A removal of ANY item from ANY bureau counts as ONE (1) deletion. Deletion from all three bureaus counts as THREE (3) deletions.

    # of items chosen by you to delete X $50.00 Each Inquiry per credit bureau = An estimate of Total Cost
    # of items chosen by you to delete X $99.00 (or $89.00 with spouse discount applied) = An estimate of Total Cost

    Discounts that may be applied: 1) Active military service personnel discount in the amount of 10% (with presentation of valid active duty military ID) off all billed services listed above. To receive the spouse discount, you must remain current on your payments with us. If you do not pay your invoice upon receipt the discount is lost for late and future invoices. Additional services require a separate agreement.
    This payment covers all of the work fully and completely rendered as described in Paragraph 1, CRA's Scope of Services. "Pay for results" and "Optional credit services" are due at the completion of each deletion/correction or optional service completed.

    As the particular issues involved in each individual case vary from case to case, CRA cannot guarantee a specific outcome or accurately predict how long it will take. Completion time can be reduced or extended based upon the promptness of the client to forward necessary information and the number/circumstances of issues being disputed. The average completion time varies; the initial term is 6 months.

    The total amount charged to you will depend on how many items on your credit report(s) you choose to have us correct or have investigated. CRA charges you only after an item is deleted/corrected. (See above charts for price estimates.)

    You grant CRA permission to collect fees as they become due unless you terminate this Agreement within 5 days. You may be charged a $25 fee if your payment is not honored. CRA may collect past due fees after termination. Payments are due upon receipt of invoice following each deletion. Payments may be made by debit card, credit card, or other means agreeable to CRA. In the event of default, CRA will use lawful collection methods, including automated dialer systems and collections. You are responsible for attorney’s fees and costs incurred by CRA in all collection activities.

    1. Cancellation Policy (After the statutory cancellation period)

    After your 5 day cancellation rights have expired and our work has begun on your behalf, you may cancel this Agreement at any time with 60 day notice (60 days or 2 cycles of credit monitoring updates, whichever is longer), for any reason or no reason, by providing notification to CRA. You will owe fees for items successfully removed through the end of the (60 day or 2 cycles of credit monitoring updates, whichever is longer) cancellation period.

    To cancel this Agreement, you may mail or deliver a signed, dated notice stating your desire to cancel this Agreement, including your name, or any other written notice, to CRA at St 75 E 3rd Ste 7, Cheyenne WY 82001. In the alternative, you can cancel this contract by sending an email stating your name, address, phone number, birthdate, and desire to cancel this transaction to joe@creditrxamerica.com. You can also complete the Cancellation Notice (if within the 5 day statutory cancellation period) at the end of this agreement and return it via mail or email.

    After the five (5) day statutory cancellation period has expired and services have begun, you may cancel this Agreement at any time by giving at least sixty (60) days’ written notice (or 2 cycles of credit monitoring updates, whichever is longer). You will be responsible for payment of any fees for completed deletions/updates through the end of that notice period.

    If you fail to follow this cancellation process after services have begun, CRA may incur administrative and operational costs. In such cases, CRA reserves the right to assess a reasonable administrative fee of up to $250, not to exceed our actual costs directly associated with your early cancellation. This administrative fee, if applied, will be documented and invoiced separately in addition to any fees for services already performed.

    CRA has the right to discontinue services and/or terminate this Agreement without prior notice if the Client defaults under this Agreement.

    See the notice of cancellation form for details. To request a refund, mail or email. No refunds for completed corrections or deletions.

    By checking the box on our application form, you agree to all terms and conditions as if physically signed. This is a Limited Power of Attorney providing CRA permission to represent you.
    You may cancel your electronic authorization and Limited Power of Attorney at any time by sending an email. This immediately terminates the Agreement.

    a) You agree to assist CRA in obtaining tri-merge credit reports by maintaining at your cost a credit monitoring system with refreshed 3-bureau reports every 30 days, with access granted throughout the credit repair process.
    b) Cooperate with CRA in review and identification of inaccurate or questionable items.
    c) Pay the per item update/delete fee, and spouse/inquiry fees if applicable.
    d) Pay for optional services if selected.
    h) Promptly provide CRA any correspondence from creditors or bureaus within 7 days.
    i) Notify CRA of any change of name, address or marital status.
    If you fail to maintain required credit monitoring and do not remedy the situation within seven (7) days of our notice, CRA’s ability to perform contracted services may be impaired. In such instances, CRA may charge you for a reasonable administrative recovery fee, not to exceed $250, strictly reflecting our actual costs in verifying and preserving your service records and results to date. This fee, if applied, will be documented and assessed in addition to any charges for services already performed. (Other standard client obligations unchanged—see full agreement for details.)

    Any disagreement, claim, or dispute will be resolved by binding arbitration in Wyoming or your county of residence, per AAA rules. Class actions and joinder of claims are not permitted. The parties agree to share the arbitration costs equally. Binding arbitration means no jury trial unless permitted by law; narrow appeals; discovery limited.

    This Agreement is governed by and construed in accordance with the laws of Wyoming (or Missouri for Missouri clients). Jurisdiction for any action or proceeding arising out of or related to this Agreement shall be an appropriate court in Wyoming or Missouri.

    No dispute about this Agreement or CRA’s services may be joined with another lawsuit or proceeding or resolved on a class-wide basis.

    If any part of any provision is held invalid, illegal or unenforceable, such invalidity does not affect any other part, and the Agreement is construed as if such part never existed.

    This Agreement represents the entire agreement of the parties with respect to the subject matter and supersedes all prior agreements. Amendments must be in writing and signed by both parties.

    Principal business address:
    Credit RX America LLC
    75 E 3rd St Ste 7
    Cheyenne, WY 82001

    By entering transactions and checking the box, you consent to receive all agreements and disclosures electronically, and may withdraw this consent at any time. You agree CRA may contact you by phone regardless of Do Not Call lists, and use automated dialing/text messaging for communications related to your service.

    Client authorizes Credit RX America LLC to obtain client’s credit report and/or score from TransUnion, Equifax, and Experian.

    Consumers should be aware that non-profit credit counseling services are available which provide a range of financial and money management services. See FTC website for more information.

    By submitting your acceptance electronically, you agree to all terms as if you had physically signed the Agreement.

    !-- BEGIN Section 21: Privacy Policy (Tables) -->
    Reasons we can share your info Do we share your info? Can you limit this sharing?
    For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes, we share your info with necessary parties to help facilitate the products and services that you have contracted for. No
    For our marketing purposes— to offer our products and services to you We share your info with vendors that assist us in offering various opportunities to you. Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for.
    For joint marketing with other financial companies We occasionally share information with other financial and non-financial entities Yes, you can opt out of any non-essential sharing with third parties.
    For our affiliates’ everyday business purposes— information about your transactions and experiences Yes, we share your info with affiliated parties to help facilitate your goals Yes, you can opt out of any non-essential sharing with third parties.
    For our affiliates’ everyday business purposes— information about your creditworthiness Yes, we share your info with affiliated parties to help facilitate your goals Yes, you can opt out of any non-essential sharing with third parties.

    How does Credit RX America, LLC protect my personal information?
    We collect your personal information from any and all interactions you have with us.
    Your info is kept secure and used only as described above.

    What happens when I limit my sharing for an account held jointly?
    See our privacy policy or contact us for specific details.







    COMMONWELATH OF VIRGINIA CLIENTS ONLY

    Credit Rx America LLC has obtained a bond from: Hudson Insurance Company 1035 Greenwood Blvd Suite 265 Lake Mary FL 32746

    The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx America LLC with the Department of Agriculture and Consumer Services. The surety may be liable only for actual damages and not for punitive damages. The aggregate liability of the surety to all persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may not exceed the amount of the bond.

    To give notice within the State of Virginia our registered agent address is:

    Credit RX America LLC
    4445 Corporation Ln.
    STE 264
    Virginia Beach, VA 23462






    Separate Notice of Cancellation Form
    (Pursuant to Federal and State Statutes):

    NOTICE OF CANCELLATION

    You may cancel this contract, without any penalty or obligation, within 5 days from the date the contract is signed.

    If you cancel any payment made by you under this contract, it will be returned within 10 days following receipt by the credit service organization of your cancellation notice.

    To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to:

    Credit RX America LLC.
    75 E 3rd St Ste 7
    Cheyenne WY 82001

    I hereby cancel this transaction effective

    __________________________
    ___________________________

    (Client's signature) You may send this notification by email to info@creditrxamerica.com

    This information is necessary to obtain your credit report and identify you with the bureaus. Your information is safe and secure with Credit RX America. You can read about it in our privacy policy.

    We bill for each item deleted after it is deleted. You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract. See the notice of cancellation form above for an explanation of this right.

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