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CreditRepair.com Terms of Service

Last updated: November 2025 | Reviewed: February 2026

Credit repair service with tiered monthly pricing from $69.95-$119.95. Aggressive arbitration clauses and strict no-refund policy.

28
Grade D
Bottom Line: CreditRepair.com's terms are among the most restrictive in the industry. Their strict no-refund policy, combined with mandatory arbitration and no performance guarantees, means customers bear all the risk. The tiered pricing model often upsells users to higher tiers with marginal additional value.

Category Scores

Fee Transparency 30/100
Refund Policy 12/100
Result Guarantees 18/100
Dispute Resolution 28/100
Cancellation Ease 35/100

Key Findings

⚠ Strict No-Refund Policy
All fees are non-refundable regardless of results or lack thereof. Even if no credit items are removed, you cannot get money back.
"All fees paid are non-refundable. You acknowledge that credit repair results vary and payment does not guarantee any specific outcome."
⚠ Tiered Pricing Confusion
Three pricing tiers ($69.95, $99.95, $119.95/month) with minimal differentiation. Higher tiers mainly add more frequent "interventions" with unclear additional value.
⚠ Mandatory Binding Arbitration
All disputes require binding arbitration. No class actions permitted. No opt-out provision provided in the terms.
"Any claim arising from these Terms shall be resolved through individual binding arbitration. You waive the right to jury trial and class action participation."
⚠ Limited Liability Cap
Company liability limited to fees paid in the last 3 months, regardless of any damages you may suffer from their services or data handling.

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