Terms and Conditions

We would like to thank you for your interest in our company. We offer understanding as most have had similar credit issues in the past. We want to provide to you the best possible service while being a guide for you, in turning the tide of your credit worthiness. We help solve your credit report related issues to the best of our abilities, while educating you on the dos and do nots of how to manage your credit and credit report correctly. You are not just a number in our system, you can expect to be treated like a real person all the time. We genuinely want to build a relationship with you, build trust , and help you help yourself succeed with your goals.

We believe in being truthful, transparent, and accurate every step of the way. Please read the following disclaimer to fully understand what you can expect from our company.

Full Disclosure Disclaimer: We do not make promises to prospective clients, current clients, or former clients. We do not knowingly lie or deceive in anyway. We will be transparent with you as to what you can expect from us, and what we expect from you. We will not lie to the credit reporting bureaus, collection agencies, or anyone who may be reporting to your credit report. We are in the business to help dispute inaccurate information being reported on your credit report. We will not be “erasing” the debt from your life. You are still ultimately responsible for the debt that you owe. If a debt is still within the statute of limitation (SOL) guidelines for your state of residence, the collection agency and/or creditor can still attempt to collect the debt within their legal rights under the Fair Debt Collection Practices Act including but not limited to suing you in court. We are hired to dispute and attempt to remove inaccurate information from your credit reports. We do not promise to remove items, we do not promise to increase your credit score, we do not promise to provide legal advice. We are not attorneys and we do not provide legal advice. We do promise to provide the best possible customer service , and if you feel you are not receiving that from our company, you are entitled to cancel. You will not receive a refund from first work done fees, or for services already rendered. You are entitled by rights of the Fair Credit Reporting Act to dispute inaccurate information on your credit report. You can do this with dispute letters that are readily available online. You hire us for the experience, training, and knowledge of a credit repair specialist, and the convenience of us managing the disputes from start to finish. Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

1. Credit Service Agreement
2. Authorization for Credit Repair Action
3. Sign up for Credit Monitoring
4. Consumer Credit File Rights (CROA Disclosure)
5. Right Of Cancellation Notice

• Document preparation and credit education.  We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information.
• We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
• Help you to understand your credit report
• Educate you on budgeting & credit management as needed
• Provive a credit analysis
• Provide you with regular updates; log in information
• Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. 

As our client , you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement. You also need to keep open lines of communication via email and/or phone. You agree to continue credit monitoring during the time we are employed. You agree to submit all requested documents in a timely manner including responses from creditors, credit bureaus and collection agencies. If a problem arises, we are to be advised immediately in order to expedite a resolution in a timely manner . Be truthful with us as to your debt and other items necessary for us to work on your behalf. Trust us to do our job and understand that is sometimes is a timely undertaking. Changes in your credit situation could result in increased scores, an occasional lower score or lawsuit. 
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. There are several situations that could fall into this category, but the most frequent one is when a creditor or debt collector attempts to sue you in an effort to collect the debt owed within the statute of limitations allowed by the law under the Fair Debt Collection Practices Act and state laws. If this situation arises, you will advised to speak to an attorney. You may use any attorney of your choice. The cost of this attorney is between you and the attorney. 

CREDIT MONITORINGMonthly Credit Report Monitoring is a requirement to stay with our program. It is an additional cost paid by you the client, that allows  us to be able to monitor your credit report for changes made by the credit reporting bureaus. We partnered with two top tier industry leaders in Credit Report Monitoring services. You can sign up at the recommended levels that provide all 3 credit reports from Equifax, Experian, and Transunion, as well as credit scores from each. This will help us create a credit report analysis for you, so you can advise us as to which items are indeed inaccurate and you would like disputed. The two services we are partnered with are Myfreescorenow and IdentityIQ. These will be presented to you in the onboarding email and is required in order for us to design your credit report analysis.  Keep your credentials easily accessible as you will be asked to share them with our company so we can import your reports into your client dashboard on a regular basis. This is a third party and they offer other items as well including but not limited to identity protection.

​We have created this privacy policy (hereinafter the "Privacy Policy") in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our "Website"); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please e-mail us at Patricia@geniuscreditrepairservices.com

​The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer's prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer's prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users' movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

​The Website uses a "cookie" to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

​​Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

​Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.

We understand that although we do everything in our power to provide the best possible service to our clients, not everyone will be happy with the results. We are here to help you, not sell you. In this disclosure, we want to lay out our very easy cancellation policy. You can contact us via email at Patricia@geniuscreditrepairsolutions.com from the email you have on file with us, with a subject titled “Cancel My Service”. This will initiate a cancellation sequence. You will be contacted back via email with a few questions as to why you wish to cancel, and a confirmation that your cancellation has begun. You have 3 days from the 1st of every month to cancel service for that month. You will not receive a refund for services rendered. Meaning, If letters have already been sent on your behalf, if you already received your debt analysis, and/or other administrative work has been done on your behalf, you will not receive a refund for those charges.

The Credit Repair Organizations Act(CROA) is a title passed to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. Signed into law in September of 1996, the Credit Repair Organizations Act (CROA) was passed to help regulate the credit repair industry in order to protect you from the unscrupulous practices common to a credit repair scam.
The credit repair industry had come under heavy fire from legislators and the media because of a number of credit repair clinics who were taking advantage of consumers desperate for a solution to their bad credit. Instead of passing anti-credit repair legislation that would ban fraudulent and legitimate credit repair services alike, Congress passed CROA.
As a result of CROA, credit repair organizations are not permitted to misrepresent the services they provide to you including guaranteeing the removal of negative credit listings. Credit repair organizations are also not permitted to attempt to create a "new" credit file or advise you to lie about your credit history. Finally, credit repair companies are not permitted to accept payment until services have been performed. That’s why Genius Credit Repair Solutions LLC collects payment one month at a time but only for promised services already completed — i.e., letter or consultations already performed.
In addition to defining prohibited practices, CROA also states that credit repair organizations must present you with a properly constructed credit repair contract, must allow you to cancel service within three days of signing the contract with any penalty or obligation, and must provide you with a disclosure statement titled "Consumer Credit File Rights Under State and Federal Law" that informs you of your rights to order your credit reports, dispute the accuracy of the information in your credit reports yourself, and to sue a credit repair organization that violates CROA.
Make Sure a Credit Repair Organization Values Your Rights

Knowing your rights under CROA can be an effective tool for helping identify the difference between a legitimate credit repair organization and a credit repair scam. Make sure you avoid any company that charges large upfront fees, advocate the creation of a "new" credit identity, or do not disclose your right to repair your credit yourself.

Genius Credit Repair Solutions LLC strictly adheres to CROA by only charging for services after they have been performed and by utilizing your rights under a variety of consumer protection statutes including the Fair Credit Reporting Act to help you legally take action on your credit.