Terms Of Service
Last Updated: [12/29/2025]
By accessing this website, submitting a form, booking a consultation, or using services provided by The Credit Studio, you agree to the following Terms of Service.
Services Disclaimer
The Credit Studio provides credit education, coaching, and assistance services. We do not guarantee specific credit score increases, deletions, or outcomes. Results vary based on individual credit profiles and creditor responses.
We are not a law firm, credit bureau, or lender.
Client Responsibilities
You agree to:
Provide accurate and truthful information
Complete required onboarding steps
Maintain communication during the service period
Understand that no outcome is guaranteed
Payments & Billing
All fees are disclosed prior to purchase. Payments are non-refundable unless otherwise stated in a written agreement.
Subscription services may renew automatically unless canceled according to the terms provided at signup.
SMS Messaging Terms
By opting in, you agree to receive SMS messages related to:
Appointments
Service updates
Account notifications
Promotional offers
Message frequency varies. Message & data rates may apply. Reply STOP to opt out at any time.
Limitation of Liability
The Credit Studio is not liable for:
Credit bureau decisions
Creditor actions
Indirect or consequential damages
Our total liability shall not exceed the amount paid for services.
Termination
We reserve the right to terminate services for violations of these terms, misuse of services, or failure to comply with onboarding requirements.
Governing Law
These Terms are governed by the laws of the State of Texas.