Terms of Service
Effective Date: March 5, 2026 · Last Updated: April 3, 2026
⚠️ Required Federal Disclosure — Credit Repair Organizations Act (CROA)
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 Organization Act. This law prohibits deceptive practices by credit repair organizations.
🛑 Your Right to Cancel (3 Business Days)
You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract.
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice or any other written notice to:
Not later than midnight of the 3rd business day after you sign the contract.
✅ No Fees Before Services Are Performed
In full compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679b(b), Cradexa does not charge or accept any money or other valuable consideration before fully performing the agreed-upon services. Your first billing period begins only after we have commenced performance of services on your behalf.
1. Agreement and Parties
These Terms of Service ("Agreement") govern your use of Cradexa LLC's website, client portal, and credit repair services. By engaging Cradexa, you agree to these terms. Cradexa LLC operates as a Credit Services Organization in Texas under the Texas Finance Code, Chapter 393. Our federal EIN is on file with the Texas Secretary of State.
2. Services Description
Cradexa provides credit repair services including but not limited to: credit report analysis, dispute letter preparation and submission, creditor negotiation assistance, credit monitoring, financial coaching, and credit building guidance.
Services are provided on a monthly subscription basis. The specific services included in your plan are described in your Service Agreement signed at enrollment.
3. No Guarantee of Results
Important Disclaimer — Results May Vary
Cradexa makes no guarantee that your credit score will increase by any specific amount, or that any specific item will be removed from your credit report. Individual results depend on your unique credit history, the accuracy of disputed items, and responses from credit bureaus and creditors. Testimonials and examples of client results on our website represent actual client experiences but are not guarantees that you will achieve similar results.
Credit repair organizations are prohibited by law from making false or misleading representations. We will always give you an honest assessment of what we believe we can accomplish given your specific situation.
4. Fees and Billing
- All fees are disclosed in full before you sign any contract.
- Billing begins only after Cradexa has commenced performing services on your behalf.
- Services are billed monthly. No annual contracts are required.
- Fee amounts are specified in your individual Service Agreement.
- Prices listed on the website are subject to change; your signed Service Agreement governs your specific pricing.
5. Texas Credit Services Organization Disclosures
Cradexa LLC operates as a Credit Services Organization (CSO) in the State of Texas under the Texas Finance Code, Chapter 393. As required by Texas law:
- You have the right to cancel any contract with us at no penalty within the cancellation period.
- We are required to provide you with a written contract before performing services.
- The contract must contain the terms and conditions of payment, including the total amount of all payments.
- We cannot refer you to a credit reporting agency or guarantee to remove accurate information.
- We must bond or establish a trust account as required by Texas law.
6. Client Responsibilities
By engaging Cradexa, you agree to:
- Provide accurate and truthful information about your credit history and financial situation.
- Promptly notify us of any changes to your contact information.
- Forward any correspondence received from credit bureaus or creditors related to your disputes within 5 business days.
- Not engage in any actions that could interfere with the dispute process (e.g., applying for credit excessively during active disputes without consulting us).
- Continue to make timely payments on all open accounts during the service period.
7. Prohibited Activities
Cradexa will never, and you agree we are not engaged to:
- Create a new credit identity or use a CPN (Credit Privacy Number) instead of your SSN — this is illegal fraud.
- Dispute items that are accurate, current, and verifiable.
- Make false representations to any credit bureau, creditor, or government agency.
- Advise you to make false statements on credit applications.
8. Limitation of Liability
To the maximum extent permitted by law, Cradexa's liability to you for any claims arising from our services shall not exceed the total amount you paid to Cradexa in the 3 months preceding the claim. We are not liable for consequential, indirect, or punitive damages. This limitation does not affect rights you may have under the CROA or Texas law that cannot be waived.
9. Dispute Resolution
Any dispute arising from these Terms or our services shall first be addressed through good-faith negotiation. If unresolved, disputes will be subject to binding arbitration under the American Arbitration Association consumer rules, conducted in Harris County, Texas. Nothing in this clause limits your rights under the CROA to bring claims in federal or state court.
10. Governing Law
These Terms are governed by the laws of the State of Texas and applicable federal law, including the Credit Repair Organizations Act, 15 U.S.C. §1679 et seq., and the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq.