Terms & Conditions
Financial Consulting & Literacy Agency LLC
Effective Date: June 30, 2026
Welcome to 800.Credit, operated by Financial Consulting & Literacy Agency LLC (“Company,” “we,” “our,” or “us”). By accessing our website, using our services, submitting a form, or communicating with us by phone, email, or text message, you agree to these Terms & Conditions.
1. Services
800.Credit provides credit education, credit analysis, credit consulting, credit repair assistance, and related financial education services. Results vary based on each individual’s credit history and circumstances.
We do not guarantee any specific credit score increase, loan approval, or financial outcome.
2. Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement to use our services.
3. Accuracy of Information
You agree to provide accurate, current, and complete information. Providing false or misleading information may result in suspension or termination of services.
4. Payment
Fees for services are disclosed before enrollment.
By purchasing our services, you authorize Financial Consulting & Literacy Agency LLC to charge the payment method you provide according to the agreed payment schedule.
Unless otherwise stated in writing, all fees are non-refundable except where required by applicable law.
5. Credit Repair Disclosures
Credit repair services are governed by applicable federal and state laws, including the Credit Repair Organizations Act (CROA).
Clients will receive all required disclosures and agreements before services begin.
6. No Guarantee
We cannot promise:
Specific credit score improvements
Removal of accurate information
Mortgage approval
Auto loan approval
Credit card approval
Funding approval
Every credit profile is unique.
7. Intellectual Property
All website content, logos, branding, graphics, educational materials, and documents remain the property of Financial Consulting & Literacy Agency LLC unless otherwise stated.
No material may be copied or redistributed without written permission.
8. SMS/Text Messaging Terms
By providing your mobile phone number, you expressly consent to receive text messages from Financial Consulting & Literacy Agency LLC regarding:
Appointment reminders
Credit repair updates
Account notifications
Customer support
Requested information
Marketing offers (only if you have opted in)
The wireless carriers are not liable for delayed or undelivered messages
Message frequency varies.
Message and data rates may apply.
Consent to receive text messages is not a condition of purchasing any goods or services.
You may opt out at any time by replying:
STOP
For assistance, reply:
HELP
or contact us through our website.
9. Email Communications
By providing your email address, you consent to receive emails regarding your account, educational information, service updates, invoices, requested documents, and promotional communications. You may unsubscribe from marketing emails at any time.
10. User Conduct
You agree not to:
Misrepresent your identity
Attempt unauthorized access to our systems
Use our website for unlawful purposes
Interfere with our services
11. Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for their content, privacy practices, or policies.
12. Limitation of Liability
To the fullest extent permitted by law, Financial Consulting & Literacy Agency LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of our website or services.
13. Indemnification
You agree to indemnify and hold harmless Financial Consulting & Literacy Agency LLC from claims arising from your misuse of our website or violation of these Terms.
14. Changes to These Terms
We may update these Terms & Conditions at any time. Updates become effective upon posting to this website.
15. Governing Law
These Terms shall be governed by the laws of the State of Texas without regard to conflict of law principles.
16. Contact Information
Financial Consulting & Literacy Agency LLC
Website: www.800.credit
Email: [email protected]
By using this website or enrolling in our services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.
© 2026 800 Credit Systems LLC. All Rights Reserved.
Disclaimer: Results vary by individual. No specific score increases, account removals, loan approvals, or other outcomes are guaranteed.
800.Credit provides credit improvement assistance, education, and financial positioning services.