Terms of Use

This agreement is entered into between Fair Credit Firm LLC, a Utah Limited Liability Corporation, and the party (“You”) utilizing the Fair Credit Firm LLC Web Site (“Site”). Your use of this site is your express and explicit agreement to be bound by this agreement, commonly referred to as the “Terms Of Use” (“TOU”). If you do not agree to be bound by this agreement, you must not use this site and must leave the site immediately. 

 THE ARTICLES AND MATERIALS DISPLAYED ON THE SITE AND SENT TO YOU ARE FOR INFORMATIONAL PURPOSES ONLY, AND ANY PROFESSIONAL SERVICES YOU SIGN UP FOR WITH FAIR CREDIT FIRM LLC ARE LIMITED TO CREDIT REPAIR. THIS IS NOT A SUBSTITUTE FOR OTHER PROFESSIONAL AND SPECIFIC FINANCIAL, TAX OR LEGAL ADVICE. THIS INFORMATION SHALL IN NO WAY AND IN NO MANNER BE CONSIDERED FINANCIAL, TAX, LEGAL ADVICE OR OTHER PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. 

 Fair Credit Firm LLC makes no warranty and does not represent nor endorse the accuracy of any advice, opinion, statement, or other information displayed on the site. Your continued use of the site is predicated upon your agreement that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole and own risk. Fair Credit Firm LLC reserves the right, in its sole discretion, to modify or correct any errors or omissions in any portion of the site. 

This website is a credit repair services organization that provides general credit repair information and services. The materials and services in www.faircreditfirm.com are provided "as is" and without warranties of any kind either expressed or implied.  

The website’s content is not a substitute for direct, personal, professional financial, tax, or legal advice. We are not CPAs, Financial Advisors or Lawyers and anything in this website should be cleared with your financial advisor, CPA or lawyer. 

Information is believed to be accurate at the time of creating faircreditifirm.com All data provided on this website is to be used for informational purposes only. Once signed up for services You will have another terms of use and contract to agree to, any information on the website is for informational and educational purposes. 

Fair Credit Firm LLC reserves the right to restrict or terminate one’s use of the site in part or in whole for nay reason or for no reason, at any and all times. Your use of the site is granted on an as is available basis, subject to the discretion of Fair Credit Firm LLC. 

Testimonials found at faircreditfirm.com are results that have been forwarded to us by users of Fair Credit Firm LLC products and services, and may not reflect the typical user’s experience, may not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results. 

You agree to indemnify, defend and hold the Fair Credit Firm LLC team and all its officers, directors, owners, agents, employees, information providers and affiliates (collectively referred to as the “Indemnified”) harmless from and against any and all liability and costs incurred by the Indemnified in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants, including, without limitation, attorneys’ fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. Fair Credit Firm LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the prior written consent of Fair Credit Firm LLC.  

Should any part of the Terms of Use by declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.  

You agree that this site, the information provided, the Terms of Use and all other agreements are given and made pursuant to Utah law.  

THIS TERMS OF USE AGREEMENT, SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF PENNSYLVANIA, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN THE STATE OF UTAH.  

Mandatory Disclosure Regarding Bond: Pursuant to the Credit Services Act, 73 P.S. §§2181-2192, a credit services organization and its salespersons, agents and representatives who sell or attempt to sell the services of a credit services organization shall not charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for or on behalf of the buyer unless the credit services organization has either obtained a surety bond issued by a surety company admitted to do business in this Commonwealth or established a trust account in accordance with 73 P.C. §2183(1).  

We are also required by law to inform you that the services offered via enrollment in Fair Credit Firm, LLC program are services that you can also perform on your own behalf. In addition, there are also Non-Profit Credit Counseling Services available for your use. Such non-profit credit counseling is available through American Consumer Credit Counseling: www.consumercredit.com or (800) 769-3571.  

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 organization has the right to have accurate, current, and verifiable information removed form 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. You have the right to cancel your contract with any credit repair organization for any reason within three 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 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. 

 If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.  

As Fair Credit Firm, LLC program is classified as Credit Services Organization we carry a bond pursuant to the Credit Services Act, 73 P.S. 2181-2192. The bond backing the services of Fair Credit Firm, LLC program offered by Hudson Insurance Company, Inc. is issued and held by: 

Hudson Insurance Company
1035 Greenwood Blvd Suite 265
Lake Mary, FL 32746

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:  

The Public Reference Branch 
 Federal Trade Commission  
Washington D.C. 20580