Before beginning any credit education or document processing services, each client will review and sign the following:
- Credit Service Agreement
- Authorization for Credit Audit and Dispute Action
- Consumer Credit File Rights (CROA Disclosure)
- Right Of Cancellation Notice (3-Day Cancellation Policy)
The services we perform may include
- Document preparation and credit education. We will evaluate your credit reports and work with you to identify any inaccurate, incomplete, or outdated information.
- Preparation of correspondence to credit bureaus and creditors to help you dispute inaccurate, unverifiable, or obsolete information.
- Forwarding of client correspondence received from credit reporting agencies and guidance in preparing follow-up responses.
- Consulting, coaching, and monitoring services conducted by phone, video conference, email, or in person during normal business hours.
- Optional credit education workshops, personal finance coaching, and budgeting tools to help you maintain improved credit over time.
Service Fees
You agree to pay service fees as outlined in your signed client agreement.
- No payments are collected before services are rendered.
- The one-time setup fee is due after completion of the credit audit and onboarding process.
- Monthly fees are billed only for active months of service and may be canceled at any time with written notice at least 7 business days before your next billing date.
Client Rights and Disclosures
You have the right to:
- Receive a copy of the Consumer Credit File Rights Disclosure (CROA) before signing.
- Receive full transparency regarding services, pricing, and cancellation policies.
- File complaints directly with the Consumer Financial Protection Bureau (CFPB) or your state’s Attorney General if you believe your rights under CROA have been violated.
- Cancel services without penalty within three (3) business days of the date you sign your service agreement
Legal Disclaimer
CreditUp-Yours™ provides credit education and document processing assistance only.
We are not a law firm and do not offer legal or financial advice.
We make every effort to ensure the accuracy of the information we share and to clearly explain your available options.
All services comply with:
- The Credit Repair Organizations Act (15 U.S.C. §1679)
- The Telemarketing Sales Rule (16 C.F.R. Part 310)
Communication and Recordkeeping
By becoming a client, you consent to receive communications by phone, email, or text message.
All communications are recorded and stored in accordance with our privacy policy.
We take data protection seriously and never share personal information without written consent.
Testimonial Disclosure
Testimonials displayed on this website represent individual experiences.
Results vary and are not guaranteed.
Credit Up-Yours™ complies fully with CROA and the TSR in all testimonial and advertising content.
Compliance Statement
CreditUp-Yours™ is a registered credit education and document-processing organization. We operate in accordance with all federal and state consumer-protection regulations. We do not charge advance fees and do not promise specific score increases or credit outcomes. 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.
These people had amazing results
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"CreditUp-Yours turned my situation around fast. My score jumped over 100 points in just a few months, and I finally qualified for a new car loan. I can’t thank them enough!"
Callum R. |
"I was skeptical at first, but this team delivered. They removed old collections I thought would never go away, and now I’m back on track to buy my first home."
Dave I. |
"Professional, honest, and effective! They explained everything clearly and gave me hope when I felt stuck. Today my credit is stronger than ever."
Gloria G.
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Testimonials reflect individual experiences. Results vary and are not guaranteed. Credit Up-Yours™ complies with the Credit Repair Organizations Act (CROA) and does not claim specific score increases or timeframes.
