Terms & Conditions
Welcome to Golden Light Credit Repair. By using our website, enrolling in our services, or accessing any content provided by us, you agree to the following Terms & Conditions. Please read them carefully.
1. Services Provided
Golden Light Credit Repair offers credit repair services including:
- Reviewing credit reports
- Identifying inaccurate, outdated, or unverifiable information
- Preparing and sending dispute letters
- Providing credit education and guidance
- Offering tools to help improve and monitor your credit
We do not guarantee specific results, deletions, score increases, or timelines.
2. Not Legal Advice
Golden Light Credit Repair is not a law firm.
We are not attorneys and do not provide legal advice.
All services and information are for educational and credit-improvement purposes only.
3. Client Responsibilities
To receive the best results, clients agree to:
- Maintain active credit monitoring during the entire service period
- Provide accurate personal information
- Upload or send bureau responses promptly
- Avoid disputing items on their own while enrolled
- Avoid new negative credit activity
- Keep all payments up to date
- Notify us of any changes in contact information
Failure to follow these responsibilities may affect service results and refund eligibility.
4. Payments & Billing
By enrolling, you agree to pay:
- Any one-time enrollment or setup fees
- The monthly service fee as listed on our website
- Enrollment fees and setup fees are non-refundable.
- Payments are billed monthly until canceled by the client.
All fees must be paid on time to maintain active service. If a payment fails, services may be paused or canceled.
5. 90-Day Money-Back Guarantee
Golden Light Credit Repair offers a strict 90-day money-back guarantee.
To qualify, ALL requirements listed in our Refund Policy must be met.
If the conditions are met and no progress has occurred, a refund of monthly service fees may be issued.
Refunds do not include enrollment fees, setup fees, or credit monitoring fees.
6. Refund Policy
Golden Light follows a strict 90-day money-back guarantee. Refunds are only available under the terms listed in our Refund Policy.
Refunds will not be issued for:
- Missed payments
- Failure to send bureau responses
- Lack of credit monitoring
- New negative credit activity
- Canceling before 90 days
- Providing false or incomplete information
Enrollment and setup fees are non-refundable.
7. Cancellation Policy
You may cancel Golden Light Credit Repair contract within five days of signing the contract without incurring any penalty. Any payment made by the client will be returned within 15 days of cancelling the contract. Kindly send the dated and signed cancellation notice to Golden Light Credit Repair email to support@goldenlightcreditrepair.com if you wish to cancel the contract.
You may cancel Golden Light Credit Repair services at any time.
To prevent being charged for the next billing cycle, cancellations must be submitted before your upcoming billing date.
Cancellations must be submitted:
- Through your client portal, or
- Through our website’s contact form
8. No Guarantees
While we work hard to help improve your credit, Golden Light Credit Repair cannot guarantee:
- The removal of specific items
- A specific credit score increase
- A specific timeline for results
- That creditors or bureaus will respond in a certain way
- Every credit profile is unique, and results vary.
9. Communication Consent
By using our website or enrolling in our services, you agree to receive:
- Calls
- Emails
- Text messages
regarding service updates, reminders, and account information.
You may opt out of marketing messages at any time.
10. Use of Our Website
By using this website, you agree not to:
- Copy, distribute, or reproduce any content without permission
- Attempt to hack, damage, or disrupt the website
- Misuse any forms or tools provided on the site
- Misuse may result in termination of access.
11. Privacy Policy
By using our services, you also agree to our Privacy Policy, which explains how your information is collected and protected.
12. Limitation of Liability
Golden Light Credit Repair is not responsible for:
- Actions taken by creditors, lenders, or credit bureaus
- Delays caused by mailing services or bureau response times
- Any financial decisions made by the client
- Any loss or damages resulting from the use of our services or website
You agree to use our services at your own risk. Our services are intended to support and educate you, not replace financial responsibility.
13. Changes to Terms
We may update these Terms & Conditions at any time.
Changes will be posted on this page with a revised date.
Continued use of our services means you accept the updated terms.
14. Contact Information
If you have any questions about these Terms & Conditions, please reach out through our website's contact page.