Money Back Guarantee
The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 120-day warranty. If you sign up for a monthly service with Lovelady Credit Repair and do not see any questionable items deleted from your credit in 120 days or your score hasn’t increased by at least 50 points combined, you will be entitled to a full refund in monthly fees. This does not mean that your credit will be fixed completely during that period, but you should see some of your questionable negative items deleted or an increase to your score in this period or your money back.
The Money back guarantee will be strictly subject to you complying with the following terms and conditions
- Eligibility for a refund does not start until day 120. You must be an active participant in the program for 120 days. Cancellation or a missed payment during the initial 120 days of the program is a void of this guarantee.
- That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins.
- You mail, fax or email Lovelady Credit Repair all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
- You make all payments due and owing to Lovelady Credit Repair per this agreement in a timely manner.
- You mail, fax or email to Lovelady Credit Repair proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
- You agree to give Lovelady Credit Repair ten (“10”) business days from the date you have requested a refund and we receive the letter to allow Lovelady Credit Repair adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
- Refunds are limited to payments made for 120 days of service only. (ex. If a client is in service for 180+ days, with no change made to their history, they can request a refund, but that refund will be limited to 120 days of service).
At Lovelady Credit Repair, we are passionate about helping people repair bad credit. We do our best to assist clients with their credit repair needs & we value customer satisfaction! By law, we cannot make any verbal or written promise or guarantee of outcome, score increases, or timing of credit repair services. However, the client may request a refund if they believe that Credit Miracles did not complete the obligations as defined in our Terms and Conditions, or the client’s signed agreement. Refund of up to 100% of the total price may be possible to the client only if all the below conditions exist:
- If Lovelady Credit Repair DID NOT inform the client and note in the client agreement that credit repair can actually cause scores to drop.
- Client has been current on all payments, without any NSF’s, and client has completed all payments per the agreement.
- Client must be current on all payments to Lovelady Credit Repair LLC, and client shall have completed all payments per agreement.
- Client must have followed all Lovelady Credit Repair directions based on the credit repair plan (Excessive time spent with clients in any form of communication, or personal meetings will count against the allocated time per plan, and obviously reduce time spent on actual credit repair. Therefore client may not get optimal results).
- On existing credit lines at the time of the signed agreement, and on any newly obtained credit, whether or not per Lovelady Credit Repair recommendation, client always made at least the minimum payment due on time per industry suggestion (which was communicated with the client.)
- Client was never late and always paid minimum balance due on all existing trade lines, or new credit lines acquired during duration of Lovelady Credit Repair agreement.
- Upon signing Lovelady Credit Repair agreement client strictly followed at least one of several suggested methods to improve or increase scores as noted in the credit repair plan.
To receive a 100% refund of the total money paid to Lovelady Credit Repair, the client shall request such refund in writing. Lovelady Credit Repair shall review the request to confirm if the client complied with the terms of our Refund Policy which can take 7-10 business days after the letter is received. Lovelady Credit Repair shall determine the final refund is due and the decision shall be final.
Terms and Conditions
Services are provided on a month-to-month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment.
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Commitment to Your Privacy.
This site is owned and operated by Lovelady Credit Repair LLC. Your privacy on the Internet is of the utmost importance to us. We understand the importance of making sure that at all times your online experience is safe & satisfying and with Lovelady Credit Repair LLC it’s our top priority to make sure that happens. Please read to understand our policy terms, and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.
Information Lovelady Credit Repair LLC Gathers and Tracks
Lovelady Credit Repair LLC gathers two types of information about users:
- Information that users provide manually on our website. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
- Information Lovelady Credit Repair LLC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.
Sharing of Information
Lovelady Credit Repair LLC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.
Lovelady Credit Repair LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
Lovelady Credit Repair tracks user traffic patterns. However, we do not correlate this information with data about individual users. Lovelady Credit Repair LLC does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Lovelady Credit Repair LLC sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.
Public Safety and Legal Process
We will not share information about individual users with any third party except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.