policy

REFUND & CANCELLATION POLICY

Effective date: September 1, 2026 | Last updated: September 1, 2026

Important This webpage is a public summary. It does not replace the separate federal disclosure statement, transaction-specific Texas disclosure, signed service agreement, or Notice of Cancellation that must be delivered at the legally required time.

Your Core Rights

You may dispute inaccurate or incomplete information directly with a consumer reporting agency and information furnisher without hiring The Solutions Company LLC.
No person or credit-repair organization has the right to remove accurate, current, and verifiable information merely because it is negative.
No score increase, deletion, correction, approval, credit limit, rate, or timeframe is guaranteed.
You may cancel a covered credit-repair agreement within three business days after signing, without penalty or obligation.
You should never submit a false dispute, false identity-theft claim, altered document, or misleading statement.

Federal Consumer Credit File Rights Statement

The following statutory statement is reproduced for transparency. When required, it must also be delivered as a separate document before a credit-repair contract is executed, signed by the consumer to acknowledge receipt, and retained as required by law.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

Current access note The statutory text above is reproduced without changing its wording. Separately, the three nationwide credit bureaus currently allow consumers to obtain a free online report from each bureau once a week through AnnualCreditReport.com, the federally authorized source

Texas Consumer Disclosure Process

Before a covered contract is executed or valuable consideration is received from a Texas consumer, the Company will provide a separate disclosure containing the transaction-specific information required by Texas law, including:

A complete description of the services and their total cost.
An explanation of the consumer's right to proceed against the applicable surety bond or account.
The required name, address, and account or security information for the surety company or depository arrangement.
The consumer's rights to review and dispute consumer-report information.
A statement that accurate information cannot be permanently removed.
An explanation of when consumer-report information becomes obsolete and the limits on reporting obsolete information.
Information about the availability of nonprofit credit-counseling services.

The Company will keep the signed acknowledgment for at least the period required by applicable law. State-specific disclosures or addenda may also be required outside Texas.

Contract, Cancellation, Service, and Payment Timing

A covered credit-repair service requires a written and dated contract containing payment terms, a detailed service description, an estimated completion date or service period, the Company's name and principal business address, and the required cancellation statement. A completed contract, separate disclosure, and all other signed documents must be provided to the consumer when signed.

Covered services do not begin before the three-business-day cancellation period ends. Where federal law applies, the Company will not charge or receive money or other valuable consideration for an agreed credit-repair service before that service is fully performed.

No False or Misleading Disputes

The Company supports factual, documented disputes of information a consumer believes is inaccurate, incomplete, obsolete, duplicated, mixed, identity-theft related, or otherwise not properly reportable. The Company does not support disputes made solely because accurate information is unfavorable, nor does it support credit privacy numbers, synthetic identities, false police or identity-theft reports, altered records, or misrepresentation to a bureau, creditor, collector, bank, or issuer.

Authorization and Information Security

The Company will obtain appropriate written authorization before accessing or using consumer-report information for a service. Consumers should provide sensitive information only through an approved secure process and should never send passwords or one-time verification codes.

Questions or Complaints

Contact The Solutions Company LLC first so we can review your concern. You may also contact the Federal Trade Commission, the Consumer Financial Protection Bureau, your state attorney general, or another applicable regulator. Contacting us does not limit any legal right.

The Solutions Company LLC

5900 Balcones Drive, Suite 100

Austin, TX 78731

Email: [email protected]

Phone: 832-241-8959

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