Credit Removal

Terms & Conditions

Only Gets Better

1. Agreement to Terms

By accessing or using the website and services of Only Gets Better, you agree to be bound by these Terms & Conditions.

If you do not agree, you must not use our services.

2. Services Provided

Only Gets Better provides credit consulting and educational services, including but not limited to:

Credit report reviews

Credit education and strategy

Dispute guidance and assistance

Financial literacy coaching

We do not guarantee specific results, including credit score increases or the removal of negative items.

You must be 18 years of age or older to use this SMS service.

3. No Legal or Financial Advice

Our services are for educational and informational purposes only and should not be considered legal, tax, or financial advice.

You are encouraged to consult with a licensed attorney, accountant, or financial advisor when appropriate.

4. User Responsibilities

By using our services, you agree to:

Provide accurate and truthful information

Not submit false, misleading, or fraudulent data

Maintain the confidentiality of your account information

Use our services only for lawful purposes

5. Payment Terms

All fees are disclosed prior to purchase

Payments may be one-time or recurring, depending on your selected plan

You authorize us to charge your selected payment method

Failure to make payments may result in suspension or termination of services

No refunds will be issued unless otherwise stated in writing.

6. Cancellation Policy

You may cancel services at any time by contacting us at:

📧 [email protected]

Cancellation does not guarantee a refund for prior services rendered.

7. Credit Repair Organizations Act (CROA) Compliance

In accordance with the Credit Repair Organizations Act (CROA):

You have the right to cancel services within 3 business days of signing a contract without penalty

We will not make misleading or untrue claims about our services

We will not charge fees before services are fully performed, where prohibited by law

8. No Guarantee of Results

Credit outcomes depend on many factors beyond our control, including:

Credit bureau investigations

Creditor reporting practices

Your financial behavior

We do not guarantee:

Specific credit score increases

Removal of accurate negative information

Approval for loans or credit

9. Intellectual Property

All content on this website, including text, graphics, logos, and materials, is the property of Only Gets Better and may not be copied, reproduced, or distributed without written permission.

10. Limitation of Liability

To the fullest extent permitted by law, Only Gets Better shall not be liable for:

Any indirect, incidental, or consequential damages

Loss of data, income, or credit opportunities

Decisions made based on our services

Your use of our services is at your own risk.

11. Indemnification

You agree to defend, indemnify, and hold harmless Only Gets Better from any claims, damages, or expenses resulting from:

Your use of our services

Your violation of these Terms

Any inaccurate information you provide

12. Third-Party Services

We may use or recommend third-party services (e.g., payment processors, credit monitoring tools). We are not responsible for their actions or policies.

13. Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.

14. Termination

We reserve the right to:

Suspend or terminate your access at any time

Refuse service for violations of these Terms

15. Governing Law

These Terms shall be governed by the laws of the State of PA, without regard to conflict of law principles.

16. Changes to Terms

We may update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of those changes.

17. Contact Information

If you have any questions about these Terms & Conditions, please contact us: