Last Updated: October 21, 2025
By accessing and using Crowned Credit's services ("Company", "we", "our", or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our services.
Crowned Credit provides professional credit repair and consulting services, including but not limited to:
To use our services, you must:
As a client, you agree to:
Our service fees vary based on the plan you select. All fees are clearly disclosed prior to enrollment. Pricing is subject to change with prior notice.
Payments are processed through our secure payment processors. By providing payment information, you authorize Crowned Credit to charge the provided credit/debit card for the agreed-upon services.
If a scheduled payment fails (due to insufficient funds, expired card, or any other reason), you authorize Crowned Credit and our payment processors to attempt to charge your payment method up to four (4) additional times within sixteen (16) days of the initial failure, in accordance with card network rules. Retry attempts will be scheduled at times we determine are most likely to succeed. You will receive notification via SMS and/or email of each retry attempt and may opt out of future retry attempts at any time by replying to any notification, contacting customer support at 336-310-0090, or emailing support@getcrownedcredit.com. Continued failure to pay may result in service suspension or cancellation under Section 5.3.
Refund eligibility: Crowned Credit offers a tiered Deletion Guarantee based on plan. Essential plans: if Crowned Credit completes four (4) full dispute rounds and zero negative items have been deleted and zero late payment marks have been removed from the Client's credit reports, the Client may request a full refund. Accelerated and Momentum plans: if Crowned Credit completes three (3) full dispute rounds and zero negative items have been deleted and zero late payment marks have been removed, the Client may request a full refund. A dispute round is defined as a complete dispute cycle initiated and a response received from each of the three major credit bureaus. To remain eligible, Client must maintain active service through all required rounds and provide required documentation in a timely manner. Third-party fees (e.g., SmartCredit monitoring) are non-refundable. After the guarantee period, service may be cancelled at any time with no cancellation fees; fees paid for completed service are non-refundable. Refunds are processed within 10-14 business days.
You may cancel our services at any time by providing written notice. Monthly services may be cancelled before the next billing cycle. Prepaid packages may be subject to different cancellation terms as outlined in your agreement.
While we strive to provide exceptional services, we DO NOT GUARANTEE specific results. Credit repair results vary based on individual circumstances. We:
To the maximum extent permitted by law, Crowned Credit shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.
We maintain strict confidentiality of all your personal and financial information as outlined in our Privacy Policy. We will not disclose your information without your consent, except as required by law.
All content, trademarks, and data on our website and materials are owned by Crowned Credit. You may not copy, modify, distribute, or use any content without our express written permission.
Our services comply with:
Any dispute arising from these Terms or our services shall first be resolved through good faith negotiation. If unresolved, the parties agree to binding arbitration in Greensboro, North Carolina, in accordance with the rules of the American Arbitration Association.
These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.
We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the new Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any specific enrollment agreement, constitute the entire agreement between you and Crowned Credit regarding our services.
Under the Credit Repair Organizations Act, you have the right to:
If you have questions about these Terms of Service, contact us:
Crowned Credit
806 Green Valley Rd, Suite 200
Greensboro, NC 27408
Phone: (336) 310-0090
Email: info@getcrownedcredit.com
By using Crowned Credit's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.