Legal

Terms of Service

Effective Date: May 29, 2026

These Terms of Service ("Terms") govern your use of the NewCredit4You website at https://newcredit4you.com and all credit repair, consultation, and related services provided by NewCredit4You ("we," "us," or "our"). By accessing our website or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. CROA Required Disclosure

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 7 years old. Bankruptcy information can be reported for 10 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 60 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 60 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.

Additional CROA Rights

Right to cancel: You may cancel any written contract with NewCredit4You within three (3) business days of signing without penalty or obligation. Cancellation must be made in writing.
No advance fees: NewCredit4You will not charge or receive any money or other valuable consideration before fully performing the services it has agreed to perform for you, as required by 15 U.S.C. § 1679b.
Written contract required: All services must be described in a written contract signed by you before services begin.
Right to sue: You may bring a civil action against NewCredit4You in federal court for violations of CROA and may be entitled to actual damages, punitive damages, and attorney's fees.

2. Description of Services

NewCredit4You is a credit services organization that provides the following services:

Credit Repair: Review of your credit reports, identification of inaccurate or unverifiable items, and preparation and submission of dispute letters to credit bureaus and creditors on your behalf
Credit Consultation: One-on-one review of your credit situation, explanation of your rights, and personalized recommendations — free for first-time clients
Credit Management: Ongoing monitoring, guidance, and support to help you maintain and improve your credit profile

We do not provide legal advice, financial advice, or debt settlement services. We are not a law firm, credit bureau, or lender.

3. Eligibility

You must be at least 18 years of age and a resident of the United States to use our services. By using our website or engaging our services, you represent and warrant that you meet these requirements. We reserve the right to refuse service to anyone at our sole discretion.

4. Fees & Payment

Fees for our services are disclosed in writing before any service agreement is signed. Current pricing is as follows:

Credit Consultation: Free for first-time clients
Credit Repair: Personalized quote provided after consultation — no fees charged until services are fully performed
Credit Management: $99/month, billed monthly after services are rendered for that period

In compliance with CROA, no payment is collected before services are fully performed. All fees will be clearly stated in your written service agreement. We accept payment by major credit cards and other methods disclosed at the time of service.

5. Cancellation Rights

Three-Day Right to Cancel: You may cancel any service contract with NewCredit4You without penalty or obligation within three (3) business days of the date you signed the contract. To cancel, you must notify us in writing by:

Email to [email protected] with the subject line "Notice of Cancellation"
Written letter mailed to our business address on file in your service agreement

Your cancellation notice must include your name, the date of the contract, and a statement that you are canceling. We will confirm receipt of your cancellation within one (1) business day.

For ongoing monthly services (e.g., Credit Management), you may cancel at any time with written notice. You will not be charged for any month in which services have not yet been rendered.

6. No Guarantee of Results

Important Notice

NewCredit4You does not guarantee any specific improvement in your credit score or the removal of any particular item from your credit report. Results vary based on individual credit history, the nature of the items being disputed, and the responses of credit bureaus and creditors.

No credit repair organization can legally promise to remove accurate, current, and verifiable negative information from your credit report. We will work diligently on your behalf, but we cannot control the decisions of credit bureaus or creditors.

Any testimonials or examples of results on our website represent individual experiences and are not guarantees of future results.

7. Your Responsibilities

By using our services, you agree to:

Provide accurate, complete, and truthful information about yourself and your credit situation
Promptly provide any documents or information we request to perform services on your behalf
Notify us of any changes to your contact information or credit situation
Not use our services to dispute accurate information or engage in any fraudulent activity
Review and sign all required service agreements before services begin
Maintain copies of all documents provided to or received from us

8. Prohibited Conduct

You agree not to:

Use our website or services for any unlawful purpose or in violation of any applicable law
Attempt to dispute accurate, verifiable information on your credit report
Provide false or misleading information to us, credit bureaus, or creditors
Interfere with or disrupt the operation of our website or servers
Attempt to gain unauthorized access to any part of our systems
Use automated tools to scrape, crawl, or extract data from our website
Impersonate any person or entity or misrepresent your affiliation with any person or entity

9. Intellectual Property

All content on our website — including text, graphics, logos, images, and software — is the property of NewCredit4You or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent.

You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes only.

10. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the information on our website is accurate, complete, or current.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEWCREDIT4YOU AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless NewCredit4You and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or related to: (a) your use of our website or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any false or misleading information you provide to us.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United States and the state in which NewCredit4You is incorporated, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or our services shall first be addressed through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

Nothing in this section limits your rights under CROA, including your right to bring a civil action in federal court for violations of that Act.

14. Changes to These Terms

We reserve the right to update these Terms at any time. When we make material changes, we will update the "Effective Date" at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

For active service agreements, material changes to terms will be communicated to you directly and will not take effect until you have been notified.

15. Contact Us

If you have questions about these Terms or our services, please contact us:

NewCredit4You

[email protected]