Legal

Terms of Service

Effective Date: January 1, 2025 · Winning Credit Solutions, LLC

These Terms of Service ("Terms") govern your use of the website and services provided by Winning Credit Solutions, LLC ("WCS"). Please read these Terms carefully before engaging our services. By signing a client agreement, using our website, or accessing our client portal, you agree to be legally bound by these Terms.

1. Acceptance of Terms

By accessing our website, requesting a consultation, signing a service agreement, or using any service provided by Winning Credit Solutions, LLC ("WCS," "we," "us," or "our"), you agree to be bound by these Terms of Service and all applicable laws. If you do not agree with any part of these terms, you must not use our services.

These Terms of Service apply to all visitors, clients, referral partners, and others who access or use our services.

2. Description of Services

Winning Credit Solutions, LLC provides the following services:

—Personal Credit Repair: Analysis of consumer credit reports, preparation and submission of dispute letters to the three major credit bureaus (Equifax, Experian, TransUnion), and creditor intervention under applicable federal consumer protection laws including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).

—Business Credit Building: Structured guidance and/or full-service management to build an EIN-based business credit profile across D&B (Paydex), Experian Business, and Equifax Business through Tier 1–4 vendor and credit relationships.

—Targeted Deletion Services: Targeted dispute services for specific derogatory items including hard inquiry disputes, repossession removals, bankruptcy deletions, and eviction record challenges.

—Be Their Hero Referral Partner Program: A structured referral program for licensed professionals (realtors, mortgage brokers, financial advisors) who refer clients to WCS.

All services are provided pursuant to a separate signed client agreement, which governs the specific terms, scope, fees, and timelines applicable to your engagement.

3. Credit Repair Organizations Act (CROA) Disclosure

As required by the Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j), you have the following rights:

—You have the right to cancel your contract with us within three (3) business days of signing without any penalty or obligation.

—We cannot guarantee that we will be able to improve your credit profile. Any item that is accurate, current, and verifiable cannot be permanently removed from your credit report.

—We cannot legally promise or guarantee specific point increases or the deletion of any particular item.

—You have the right to dispute inaccurate information directly with the credit bureaus at no cost to you.

These disclosures do not limit or waive any right you have under applicable state or federal law.

4. No Guarantees

Credit repair results vary by individual. While we have successfully helped clients remove inaccurate, unverifiable, and obsolete items from their credit reports, we make no guarantee of any specific outcome, point increase, or item deletion.

Results depend on the nature of items on your report, the responses from credit bureaus and data furnishers, your cooperation in providing required documentation, and factors outside our control.

Business credit building timelines vary based on vendor reporting cycles, entity compliance, and lender-specific criteria. Typical clients reach Tier 2 in 60–90 days and full funding readiness in 6–12 months, but these are estimates, not guarantees.

5. Client Responsibilities

By engaging our services, you agree to:

—Provide accurate, complete, and current information required to deliver services, including identification documents, credit reports, and business formation documents.

—Sign all required authorizations, agreements, and dispute letters in a timely manner.

—Review and respond to communications from WCS within a reasonable time.

—Notify us immediately of any changes to your contact information or credit file.

—Refrain from applying for new credit, closing existing accounts, or making large financial changes without first consulting with your WCS advisor, as such actions may affect your credit building strategy.

—Not engage any other credit repair or business credit service simultaneously without disclosing this to WCS.

6. Fees & Payment

Fees for services are set forth in your individual service agreement. The following general terms apply:

—Personal Credit Repair: Monthly subscription plans are billed in advance. Enrollment fees are non-refundable once services have commenced.

—Targeted Deletion Services: Require a 50% deposit upon engagement. The remaining 50% is due upon successful deletion of the targeted item. If deletion is not achieved, no final payment is owed.

—Business Credit Building: Flat-fee programs are billed as specified in your agreement.

—All fees are clearly disclosed in your signed client agreement before services begin, in compliance with CROA.

We do not charge any fee for services not yet performed. No advance fees are charged for credit repair until services are rendered in full compliance with applicable law.

7. Cancellation & Refunds

Three-Day Right of Rescission: Pursuant to CROA, you may cancel your contract without penalty within three (3) business days of signing by providing written notice to Kelly@WinningCreditSolutions.com.

After the Three-Day Period:

—Monthly subscription plans may be cancelled at any time. You will continue to receive services through the end of the current billing cycle. No partial-month refunds are issued.

—Flat-fee programs are non-refundable once the service engagement has commenced and work has been performed.

—Targeted deletion services are non-refundable after disputes have been submitted on your behalf.

Refund requests outside the rescission period are evaluated on a case-by-case basis at WCS's sole discretion.

8. Intellectual Property

All content on this website — including text, graphics, logos, images, dispute methodologies, training materials, portal software, and service documentation — is the exclusive property of Winning Credit Solutions, LLC and is protected by applicable copyright, trademark, and intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works from any WCS content without express written permission. The WCS name, logo, "Be Their Hero" program name, and associated branding are proprietary marks of Winning Credit Solutions, LLC.

9. Limitation of Liability

To the fullest extent permitted by law, Winning Credit Solutions, LLC, its officers, agents, employees, and assigns shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or inability to obtain a specific credit outcome.

Our total liability to you for any claim arising from our services shall not exceed the total fees paid by you to WCS in the ninety (90) days preceding the claim.

10. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms of Service or your use of WCS services shall first be submitted to good-faith negotiation between the parties. If not resolved within thirty (30) days, the dispute shall be submitted to binding arbitration in accordance with the American Arbitration Association (AAA) Consumer Arbitration Rules.

Arbitration shall take place in the state of [WCS's principal state of operation], and the decision of the arbitrator shall be final and binding. You waive any right to a jury trial or to participate in a class action lawsuit against WCS.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States and the state in which Winning Credit Solutions, LLC is principally operated, without regard to conflict of law principles. You consent to the personal jurisdiction of the courts in that jurisdiction for any matters not subject to arbitration.

12. Third-Party Links & Services

Our website and services may reference or link to third-party websites, tools, or resources (including credit bureau portals, lender networks, and educational platforms). WCS is not responsible for the content, accuracy, or practices of any third-party site. References to third-party products or services do not constitute an endorsement.

13. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services following any modification constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

14. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.

15. Contact Information

For questions regarding these Terms of Service, or to submit a cancellation notice, please contact:

Winning Credit Solutions, LLC

Attn: Kelly B. Hunter, FCRA Certified Credit Strategist

Phone: 833-WIN-WIN-7 (833-946-9467)

Email: Kelly@WinningCreditSolutions.com