Terms of service

1. Agreement & Services

By purchasing or using services from The Credit Goat (“Company,” “we,” “us”), you (“Client,” “you,” “your”) agree to the following Terms of Service. These govern your use of our credit repair, dispute handling, and related consulting services (“Services”).
Our Services are not a guarantee of specific results; they are an effort to challenge inaccurate information on your credit reports under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and related laws.

2. Scope of Services

  • We will use commercially reasonable efforts to assist you in identifying, disputing, and challenging inaccurate, unverifiable, or outdated negative items on your credit report.

  • We will provide access to a secure client portal for uploads, communications, and progress tracking.

  • You understand that we cannot control how credit bureaus, furnishers, or creditors respond and that you may need to take additional steps yourself.

3. Client Obligations

  • You must provide accurate, complete, and timely information and documents requested by us.

  • You must keep your credit monitoring active (e.g., Credit Dyno) if required and maintain authorized access to accounts.

  • You must not engage in misleading, fraudulent, or illegal behavior.

  • You must regularly check the client portal, respond to requests, and upload any correspondence or letters from credit bureaus or creditors within the timeframe requested.

4. Fees, Payments & Refunds

  • All fees are stated on our website or in your service agreement.

  • Payments made to the Company are non-refundable once payment is made and work begins.

  • If you enrolled in a plan with recurring payments, cancellation of upcoming payments must be submitted in writing via email before the next billing date.

  • Chargebacks filed without our written confirmation constitute breach of these Terms and may result in immediate termination of Services and referral to collections.

5. No Guarantee of Specific Results

You acknowledge and agree that:

  • We make no guarantees as to deletion of specific accounts, increase in specific credit scores, or approval of credit lines or loans.

  • Credit restoration is a process influenced by many factors beyond our control: accuracy of your credit report, responses from bureaus, creditor practices, etc.

  • Past results or testimonials do not guarantee future results.

6. Termination of Services

  • We may suspend or terminate Services if you fail to comply with your obligations, including but not limited to: non-payment, failing to provide documents, violating any law, or initiating a chargeback.

  • Upon termination, we may stop submitting disputes. You will not be entitled to a refund.

7. Limitation of Liability

  • To the maximum extent permitted by law, our liability to you for any cause of action related to the Services shall not exceed the total fees you paid to us.

  • We shall not be liable for indirect, incidental, consequential, punitive or special damages.

8. Governing Law & Dispute Resolution

  • These Terms are governed by the laws of the State of [Your State].

  • Any dispute arising from or relating to these Terms or the Services shall be resolved in the state or federal courts located in [Your County, State].

9. Entire Agreement

  • These Terms, the service agreement you signed, and any disclosure statements constitute the entire agreement between you and the Company.

  • Any modification must be in writing and signed by both parties.

10. Consent to Electronic Communications

By engaging our Services, you consent to receive communications electronically, including via email and secure portal messages.