Terms and conditions

No guaranteed outcome

Credit results depend on individual reports and actions. We do not guarantee a score increase, loan approval, removal of accurate information or a specific completion date.

Your right to dispute

You may dispute inaccurate information directly with consumer reporting agencies without hiring a credit-services organization.

Service agreement

Any paid engagement must be governed by a separate written agreement containing scope, fees, cancellation rights and legally required disclosures. The archived terms referred to a different company, Credit Mount, Inc., so those terms were not republished as Top Credit Help’s contract.

Consumer credit file rights

You have the right to dispute inaccurate information directly with a consumer reporting agency. Accurate, current and verifiable negative information cannot lawfully be removed merely because it is unfavorable.

Cancellation and disclosures

Applicable federal and state laws may require written disclosures and cancellation rights before credit-repair services begin. Those documents must be supplied with the final service agreement.