Terms & Conditions

1. Company Information

Speedy Credit Repair Inc. ("Company," "we," "us," or "our") is a credit repair and consumer advocacy organization established in 1995. We are registered with the appropriate state and federal agencies and operate in compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679), the Telemarketing Sales Rule (16 C.F.R. Part 310), and all applicable state credit services laws.

Mailing Address: 117 Main St #202, Huntington Beach, CA 92648
Phone: 1-888-724-7344
Email: support@speedycreditrepair.com
Website: https://speedycreditrepair.com

2. Description of Services

Speedy Credit Repair provides credit education, credit report analysis, and consumer advocacy services designed to assist clients ("you" or "Client") in understanding and improving their credit profiles. Our services include but are not limited to:

• Credit Report Analysis: Review and analysis of your 3-bureau credit report (TransUnion, Experian, Equifax) to identify potentially inaccurate, unverifiable, incomplete, or erroneous items.
• Dispute Preparation & Submission: Preparation of written dispute correspondence to credit bureaus, creditors, and collection agencies on your behalf.
• Credit Education: Personalized guidance and recommendations for improving credit health, including utilization strategies, payment optimization, and credit-building techniques.
• Follow-Up & Report Updates: Ongoing tracking of dispute responses and of changes to your credit reports, using refreshed reports as necessary, throughout the service period.
• Client Portal Access: Secure online portal for tracking progress, viewing documents, and communicating with our team.

The Speedy Plan includes full-service dispute preparation and submission performed by our team on the client's behalf.

3. No Guarantee of Results

4. Fees and Payment Terms

Our service plan and fee structure are as follows. All prices are in U.S. dollars:

The Speedy Plan - $149/month

• No setup fee. Credit report analysis included at no additional cost.
• Monthly service fee of $149 billed at the end of each service month.
• $25.00 per item, per bureau applies when a disputed negative item is either (a) removed from your report, or (b) corrected so that it no longer reports as negative — for example, a late payment changed to "paid as agreed", or a collection removed from the account's payment history. A change that leaves a negative payment history in place is not a correction for this purpose. The same $25.00 per item, per bureau applies when a disputed personal-information entry (such as an outdated address, a name variation or a former employer) is removed from your report. If an item is neither removed nor corrected, there is no item charge. It is billed with your monthly fee in the month the result is confirmed.
• A 4- to 6-month program; your agreement states your exact program length. The program length is the plan, not a lock-in: you may cancel at any time in writing; there is no notice period.

Payment Methods: We accept ACH bank transfer (preferred), Zelle, and credit/debit card payments. Recurring monthly charges are processed via the payment method on file. You may update your payment method at any time through your client portal or by contacting our office.

Failed Payments: If a payment is returned or declined we will contact you. We do not automatically retry the charge. Amounts owed for work already delivered remain owed, and we will agree with you how they are paid. A returned payment fee of $25.00 applies to each returned bank debit; no returned payment fee applies to a declined card. Payments may be made using any accepted payment method regardless of the original payment method on file.

5. Cancellation and Right to Cancel

The Speedy Plan (4- to 6-Month Program): The Speedy Plan is a 4- to 6-month program; your agreement states your exact program length. The program length is the plan, not a lock-in: you may cancel at any time in writing; there is no notice period. At the end of your program, service does not automatically renew - you must actively choose to continue. If you choose to continue, the same plan terms apply.

Report Access After Service: For at least 45 days after your service contract end date, we need a way to see your current credit reports. Usually this is your IDIQ credit monitoring subscription, but another method we have approved is enough. This allows Speedy Credit Repair to verify and bill for any confirmed deletions resulting from dispute efforts made during your active service period. Item charges for items still in progress at the time of service end will be billed upon bureau confirmation during this 45-day window.

Refund Policy: All fees paid for services already rendered are non-refundable after the 5-business-day rescission period. Any goodwill adjustments are at Speedy Credit Repair's sole discretion on a case-by-case basis. The sole exception is billing errors or system malfunctions, which will be reversed promptly upon verification. See our Refund Policy for complete details.

6. Client Responsibilities

As a client of Speedy Credit Repair, you agree to:

• Provide truthful, accurate, and complete personal information as required to perform credit repair services.
• Not make any false, misleading, or inaccurate statements to credit bureaus, creditors, or any other parties.
• Respond promptly to requests for information, verification letters, or other documentation needed to support your case.
• Maintain current payment information and honor the agreed-upon payment schedule.
• Notify us promptly of any changes to your contact information, mailing address, or other relevant personal details.

7. Your Rights Under Federal Law

Under the Credit Repair Organizations Act (CROA), you have the following rights:

• You have the right to dispute inaccurate information in your credit report directly with credit bureaus at no cost by contacting them directly.
• You have the right to obtain a free copy of your credit report from each of the three major credit bureaus once every 12 months at AnnualCreditReport.com.
• You have the right to cancel this contract within 5 business days (we exceed the 3-business-day federal minimum).
• No credit repair organization may require you to waive any of your rights under the CROA.
• You have the right to sue a credit repair organization that violates the CROA.

8. Credit Monitoring (IDIQ / IdentityIQ)

Our services need a way for us to get your credit reports. Most clients do this through a credit-monitoring subscription from our partner, IdentityIQ® (IDIQ). This is a separate service with its own terms, privacy policy, and billing. The initial 7-day trial period is provided at no cost to you - the credit report pull fee is paid by Speedy Credit Repair on your behalf. After the trial period, IDIQ provides the monitoring service and bills you for it directly, at $21.86/month. Speedy Credit Repair does not collect that fee, and it is not included in our service fees. IDIQ's pricing is subject to change.

Report refreshes. While your service is active, we may refresh your credit reports as often as the work needs, usually about once a month. We do this through the credit-monitoring subscription you provide, through other means, or both. We compare each new report with your last one to see which disputed items were removed or changed. The result will be reviewed.

You may cancel your IDIQ credit monitoring at any time by contacting IDIQ directly. Cancelling it does not automatically cancel your credit repair service with us, and vice versa. However, we need updated credit report data to perform ongoing dispute work. If your subscription ends, we will ask you for another way to get your reports; without one we may not be able to continue the dispute work. You may cancel your service, or end our Power of Attorney, at any time by telling us in writing at cancel@speedycreditrepair.com. You also have the cancellation rights stated in your agreement, including the right to cancel within the cancellation period. If you cancel your service, we may get one last update to confirm results of disputes already sent.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Speedy Credit Repair Inc.'s total liability for any claim arising from or related to our services shall not exceed the total amount paid by you for services during the 12 months preceding the claim. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of anticipated credit improvements, loan denials, increased interest rates, or emotional distress.

We are not responsible for the actions, errors, or delays of credit bureaus, creditors, collection agencies, or other third parties. We are not liable for our inability to remove accurate, verifiable negative items, as such items are legally permissible on credit reports under the FCRA.

10. Privacy and Data Security

Your privacy is critically important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy. All personal data - including Social Security numbers, financial information, and credit data - is encrypted in transit and at rest using industry-standard encryption protocols. We never sell, rent, or share your personal information with third parties for marketing purposes.

11. Electronic Communications

By enrolling in our services, you consent to receive electronic communications from us, including service-related emails, account updates, dispute status notifications, and billing correspondence. You may opt out of marketing communications at any time while continuing to receive essential service-related messages. Transactional communications (billing confirmations, dispute updates, account changes) cannot be opted out of while you are an active client, as they are necessary for service delivery.

12. Dispute Resolution

If you have a concern or complaint about our services, we encourage you to contact us directly at support@speedycreditrepair.com or 1-888-724-7344. We are committed to resolving issues promptly and fairly. If we are unable to resolve a dispute informally, both parties agree to attempt mediation before pursuing any legal action. This agreement shall be governed by and construed in accordance with the laws of the State of California. Any legal proceedings shall be brought in the appropriate courts located in Orange County, California.

13. Service-Only Business (No Physical Products)

Speedy Credit Repair is a professional services company. We do not sell, ship, or deliver physical products of any kind. All services are delivered electronically through our secure client portal, by email, by phone, by fax, or by postal mail (for dispute correspondence sent to credit bureaus). There are no shipping costs, delivery timelines, or physical product returns associated with our services.

14. Modifications to These Terms

We reserve the right to update these Terms & Conditions at any time. Material changes will be communicated to active clients via email at least 30 days before taking effect. Continued use of our services after the effective date constitutes acceptance of the updated terms. The most current version of these terms is always available at this page.

15. Contact Information

For questions about these Terms & Conditions or our services:

Speedy Credit Repair Inc.
117 Main St #202, Huntington Beach, CA 92648
Phone: 1-888-724-7344
Email: support@speedycreditrepair.com
Web: https://speedycreditrepair.com