Service Agreement
Vance Credit · the terms you agree to when you enrol
This page sets out the terms of our service in full. When you enrol you will also receive an agreement to sign that carries these same terms with your own fee schedule filled in. Read this first — nothing here is different from what you will be asked to sign.
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 Organizations 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 unverified information, usually within 30 days, unless your dispute is frivolous. The credit bureau must send you a written report of the reinvestigation and a copy of your report if the reinvestigation results in any change.
The Credit Repair Organizations Act is enforced by the Federal Trade Commission. You may report violations to the Federal Trade Commission, Washington, D.C. 20580.
What we do
We review your three-bureau credit report, identify entries that appear inaccurate, incomplete or unverifiable, and dispute them in writing with the credit bureaus and, where appropriate, with the furnishers who reported them.
Specifically, we will:
- read your report from all three nationwide credit bureaus and go through what is actually on it with you;
- identify entries where the reported information appears inaccurate, incomplete, or cannot be verified — and tell you which, and why;
- prepare and mail dispute letters on your behalf under the Fair Credit Reporting Act;
- track the 30-day reinvestigation period each bureau is given, and tell you what comes back, whatever it says;
- escalate where a response is inadequate or absent.
What we cannot do
We cannot remove accurate information
If an entry on your report is accurate, current and verifiable, it stays. Nobody can remove it — not us, not any other company, and not you. Anyone who tells you otherwise is not telling you the truth.
We do not promise a particular score, a particular outcome, or a particular timeframe for results. We dispute what appears wrong and we report honestly what the bureaus decide.
What it costs
You are not charged for our work until your credit report actually improves. We do not take an advance fee. In any month where your report shows no improvement attributable to our work, you are not billed by us for that month.
Your specific monthly amount is stated in the agreement you sign, and is the amount for your chosen plan:
- Dispute plan — $99 per month. Dispute preparation and mailing, first class.
- Complete plan — $149 per month. The same, with letters sent certified mail so that delivery to the bureau is provable, and with furnisher-level disputes where appropriate.
A separate charge that is not ours. Credit monitoring is provided by Credit Hero Score, a third party. They charge $1 today and $19.99 per month thereafter, billed by them, on their own terms. We need that monitoring in place to see your report. That charge is theirs, not ours, and cancelling it is between you and them.
Your right to cancel
Three business days, for any reason
You may cancel this contract without any penalty or obligation within 3 business days from the date you sign it. A Notice of Cancellation form is provided with your agreement. To cancel, sign and date that notice and send it to the address shown on it, or write to us at the address below, before midnight of the third business day.
After the initial three days you may cancel at any time by telling us, and we will stop work and stop billing. You are not tied to a term.
What we need from you
- Accurate personal information, so that disputes are filed correctly.
- Photo identification and proof of address, which the bureaus require before they will process a dispute.
- Credit monitoring activated, so we can see your report.
- Any mail you receive from a bureau or furnisher — a photo is enough. You do not have to reply to it yourself.
How we handle your information
We use your personal and credit information only to perform the services described above. We do not sell it. We share it only where necessary to do the work — with the credit bureaus and furnishers we dispute with, and with the service providers who print and post letters and provide credit monitoring.