Terms of Service
Effective date: July 23, 2026. Last updated: 7/23/2026
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 seven years old. Bankruptcy information can be reported for ten 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 sixty 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 sixty 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 Organizations 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 3 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
1. Description of services
Credit Shield Elite provides consumer credit-repair assistance, including: reviewing your credit reports from the three nationwide consumer reporting agencies (Experian, Equifax, and TransUnion); identifying items that may be inaccurate, incomplete, unverifiable, obsolete, or otherwise improperly reported; preparing and (at your election) mailing dispute correspondence to bureaus, creditors, and collectors on your behalf; tracking bureau and furnisher responses; and providing general credit-education guidance. The specific services included depend on the plan you select (Basic Monitoring, Pro Repair, or Elite Concierge) as described on our pricing page.
2. Total cost and fees
Our subscription plans, billed monthly in arrears for the prior month of services performed, are:
- Basic Monitoring — $39 / month. Total 12-month cost: $468.
- Pro Repair — $89 / month. Total 12-month cost: $1,068.
- Elite Concierge — $199 / month. Total 12-month cost: $2,388.
You may also incur optional pass-through costs (for example, certified-mail postage on the Basic plan, or costs of obtaining additional credit reports). Any such pass-through cost will be disclosed to you before it is incurred. There are no setup fees, cancellation fees, or long-term contracts.
3. When fees are charged
No fees are charged, and no payment method is charged, until after services have been performed for you. Subscription charges cover the prior service period only, consistent with the Credit Repair Organizations Act (15 U.S.C. §1679b(b)).
4. Estimated time to achieve results
The credit bureaus and furnishers are generally required to complete a reinvestigation within 30 days of receiving a dispute (extended to 45 days in limited circumstances). Most clients begin to see reinvestigation responses within 30 to 45 days of the first round of disputes, and meaningful movement on their credit reports typically takes three to six months across multiple rounds. Complex files (identity theft, bankruptcies, multiple collections) may take longer. Individual results vary and are not guaranteed.
5. Your right to cancel within 3 business days
You have the right to cancel this contract, without penalty or obligation, at any time before midnight of the third business day after the date you signed up. To cancel, send a written notice to Credit Shield Elite at the address in Section 12 or email support@creditshieldelite.com stating that you are exercising your right to cancel. A cancellation notice form is available on request. If you cancel within this period, no charge will be made.
You may also cancel your subscription at any time after the three-day period from your billing settings; cancellation will take effect at the end of your current billing cycle.
6. Your rights under the Credit Repair Organizations Act
The Credit Repair Organizations Act (15 U.S.C. §§1679–1679j) gives you specific consumer rights, including:
- The right to receive, before signing up, a written statement of your consumer credit file rights (see the disclosure above).
- The right to a written contract that clearly describes the services, the total cost, an estimate of the time to perform the services, and the credit repair organization's business name and address.
- The right to cancel the contract without penalty within three business days.
- The right not to be charged any money until services have been fully performed.
- The right to sue a credit repair organization for violations of the Act.
- Protection from any waiver of these rights — any purported waiver is void and unenforceable.
7. What we will not do
We will not, and cannot lawfully:
- Advise you to make any statement that is untrue or misleading, including altering your identification to prevent the display of your credit history;
- Charge or receive any money before the credit-repair services are fully performed;
- Guarantee any specific credit-score outcome or the removal of any specific item; or
- Engage in any practice that is a fraud or deception on any person.
8. Your responsibilities
- Provide accurate, current, and complete information.
- Timely forward any correspondence you receive from bureaus, creditors, or collectors.
- Keep your login credentials confidential.
- Not use the Services for unlawful purposes.
9. Guarantee
Any satisfaction guarantee we offer is described on the guarantee section of our website and is subject to the specific conditions stated there. It is not a guarantee of any credit score, of any item removal, or of any particular financial outcome.
10. Disclaimers
The Services are provided "AS IS." To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose. Nothing in these Terms limits any rights you have that cannot be waived under applicable law, including the Credit Repair Organizations Act.
11. Limitation of liability
Except for liability that cannot be limited under applicable law, our total liability for any claim arising out of the Services is limited to the amount you paid us in the twelve months preceding the event giving rise to the claim.
12. Contact and business address
Credit Shield Elite
9032 Memorial Parkway SW, STE A 1056
Huntsville, AL 35802
support@creditshieldelite.com
13. Changes to these Terms
We may update these Terms from time to time. Material changes will be notified via email or in-product notice at least thirty (30) days before taking effect for existing clients.
14. Governing law
These Terms are governed by the laws of the State of Alabama, without regard to conflict-of-law principles, and by applicable federal law including the Credit Repair Organizations Act.