Terms & Conditions

Last updated: June 7, 2026

Welcome to Belmont Credit Repair. By accessing our website belmontcreditrepair.com and using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Services

Belmont Credit Repair provides credit repair services, including but not limited to: reviewing credit reports, identifying inaccurate or unverifiable information, preparing and submitting dispute letters to credit bureaus and creditors, and providing guidance on credit improvement strategies.

We do not guarantee specific results. Credit repair outcomes vary based on individual circumstances. However, under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report, and credit bureaus are required to investigate disputes within 30 days.

2. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our services. By using our services, you represent that the information you provide is accurate and complete.

3. Client Responsibilities

As a client, you agree to:

  • Provide accurate and truthful personal information
  • Maintain active credit monitoring (e.g., IdentityIQ) during the repair process
  • Respond to our communications in a timely manner
  • Notify us of any changes to your contact information
  • Not open new lines of credit or take actions that may negatively impact your credit during the repair process without consulting us first

4. Fees & Payment

Our fees are discussed during your consultation and outlined in your client agreement. Payment terms, including initial fees and any recurring charges, will be clearly communicated before you commit. All fees are for services rendered and are non-refundable once work has begun, except as required by applicable law.

5. Right to Cancel

In accordance with the Credit Repair Organizations Act (CROA), you have the right to cancel your contract with Belmont Credit Repair within three (3) business days of signing. You may cancel at any time after the initial period with written notice. No fees are charged until services are rendered.

6. No Guarantee of Results

While we have a strong track record of helping clients improve their credit scores, we cannot and do not guarantee specific outcomes. Credit repair results depend on many factors, including the nature of the negative items, the credit bureaus' responses, and creditor cooperation. Any examples of results on our website are illustrative and do not guarantee similar outcomes.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Belmont Credit Repair and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or use any content from this website without our prior written consent.

8. Privacy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

9. Limitation of Liability

To the maximum extent permitted by law, Belmont Credit Repair shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website. Our total liability shall not exceed the amount you have paid us for services in the 12 months preceding the claim.

10. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Los Angeles County, California. You agree to waive your right to a jury trial.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

12. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

13. Contact Us

If you have any questions about these Terms & Conditions, please contact us: