Assurance Credit Group – Terms and Conditions of Service

1. Services and Agreement
Assurance Credit Group (“Company”), a registered Credit Services Organization in the State of Texas, agrees to provide credit report review, analysis, and dispute preparation services to the Client named above. This agreement outlines the terms under which these credit repair services will be performed. By signing, the Client agrees to be bound by these Terms and Conditions.

2. Client Responsibilities
The Client agrees to:

  • Provide complete and accurate copies of their current credit reports from Equifax, Experian, and TransUnion.

  • Maintain timely payments on all existing credit accounts.

  • Promptly forward all correspondence received from credit bureaus or creditors to the Company.

  • Communicate honestly and in a timely manner with the Company regarding their credit status.

3. Payment Terms
Payment Schedule: $99.00  per month.
The Company operates in compliance with the federal Credit Repair Organizations Act (CROA) and Texas Finance Code § 393. The Company does not charge upfront fees before services are performed. First Invoice at Day 7 upon signing this agreement: Your initial payment covers our comprehensive credit report analysis, dispute plan creation, and the filing of your first challenges with subsequent payments due monthly. We continually monitor your reports, submit disputes, and manage your case. You are billed each month for the preceding month's active service.

4. 90-Day Money-Back Performance Guarantee
Assurance Credit Group stands behind its services. If, after 90 days from the start of active disputing and provided the Client has fully complied with all responsibilities listed in Section 2, no inaccurate, erroneous, or unverified negative items have been removed or corrected on the Client's credit reports, the Client may request a full refund of all fees paid to date. This guarantee is void if the client fails to provide necessary information or commits fraud.

** No refund for completed work**

** Processing time** Refunds issued  within 7-10 business days

** Method ** Refund to original payment method

5. Important Notice of Cancellation Rights (Texas Law)
YOU, THE CLIENT, MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION WITHIN THREE (3) BUSINESS DAYS AFTER THE DATE YOU SIGN THIS CONTRACT.
To cancel, send a signed, dated notice of cancellation to Assurance Credit Group at the address below. If you cancel, any payments you have made will be returned to you within ten (10) business days.

6. Limited Liability
The Company makes no guarantees regarding specific credit score increases or the removal of accurate negative information. The Company's liability is limited to the total fees paid by the Client under this agreement. The Company is not liable for indirect, consequential, or incidental damages.

7. Term and Termination
This agreement is valid for 180 days (approximately 6 months) from the date of signing, as required by Texas law (Finance Code § 393.201). Either party may terminate this agreement with written notice. The Client remains responsible for payment for services rendered up to the termination date.

8. Governing Law
This agreement shall be governed by the laws of the State of Texas.

9. Mandatory Texas Disclosure – Consumer Credit File Rights
*"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. You have a right to obtain a free copy of your credit report from each credit bureau once during any 12-month period. You have a right to sue a credit repair organization that violates the Texas Credit Services Regulation Act. This law requires that you be given this document when you sign a contract for services with a credit repair organization."*

Assurance Credit Group Contact Information:
9500 Feather Grass Lane

Suite 120-147

Fort Worth, TX 76177
833-349-4850
support@assurancecreditgroup.com