Terms of Service
Please read these Terms of Service carefully before using the credit repair services offered by Flow Credit Solutions. By enrolling in our services, you agree to be bound by these terms.
1. Agreement to Terms
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Client,” “you,” or “your”) and Flow Credit Solutions (“Company,” “we,” “us,” or “our”), a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679 et seq.
By accessing our website, enrolling in our services, or authorizing us to act on your behalf, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services. These Terms are effective upon your enrollment and remain in effect until your account is canceled or terminated.
2. Credit Repair Services
Flow Credit Solutions provides credit repair services designed to help you identify and dispute inaccurate, incomplete, unverifiable, or erroneous information on your credit reports from the three major credit bureaus — Equifax, Experian, and TransUnion — in accordance with your rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 et seq.
Our services include, but are not limited to:
- Obtaining and analyzing your credit reports from all three major credit bureaus to identify potentially inaccurate, incomplete, or unverifiable negative items
- Preparing and sending written dispute letters to credit bureaus, creditors, and collection agencies challenging the accuracy of reported items on your behalf
- Following up on dispute results and initiating additional rounds of disputes as warranted by your credit situation
- Providing guidance on credit-building strategies, credit utilization optimization, and steps you can take to support your credit improvement goals
- Keeping you informed of dispute progress, credit report changes, and results through regular status updates
We do not guarantee specific outcomes, credit score increases, or the removal of any particular item from your credit report. The results of our services depend on the specific details of your credit history and the responses of credit bureaus and creditors. Only inaccurate, incomplete, or unverifiable information can be successfully disputed under federal law.
3. Your Rights Under the Credit Repair Organizations Act (CROA)
Federal law requires us to provide you with the following disclosures before you sign a contract or pay any fee for credit repair services. You have the right to review these disclosures carefully:
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 (10 years for bankruptcies) or cannot be verified.
You have a right to obtain a free copy of your credit report from each of the three nationwide credit reporting agencies once every 12 months. To request your free annual credit report, visit www.annualcreditreport.com, call 1-877-322-8228, or write to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You have a right to receive a “Consumer Credit File Rights Under State and Federal Law” document from any credit repair organization before you sign a contract with them.
Specifically, you have the following rights:
- Right to Dispute for Free. You have the right to dispute inaccurate information in your credit report directly with the credit reporting agencies at no charge. You are not required to hire a credit repair company to exercise this right.
- Right to Cancel Within 3 Business Days. You have the right to cancel your contract with any credit repair organization for any reason within three (3) business days from the date you signed it, without incurring any charges.
- No Removal of Accurate Information. No one — including credit repair organizations — can legally remove accurate, current, and verifiable information from your credit report. Any organization that promises to do so is not being truthful.
- Right to Sue. You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. You may seek to recover your actual losses or the amount you paid to the organization, whichever is greater, plus punitive damages and attorney's fees.
4. Payment Terms
In compliance with the Telemarketing Sales Rule (TSR), 16 C.F.R. Part 310, and the Credit Repair Organizations Act (CROA), Flow Credit Solutions adheres to the following payment practices:
- No Advance Fees. We do not charge or collect any fee before we have fully performed the services we have promised. Fees are charged only after work has been completed on your behalf, in compliance with the TSR prohibition on advance fees for credit repair services sold over the telephone or internet.
- Monthly Billing. Our services are billed on a monthly subscription basis. You will be charged at the beginning of each billing cycle for services rendered during the prior cycle. Your specific monthly rate will be clearly disclosed before enrollment.
- Cancel Anytime. You may cancel your services at any time without penalty by contacting us in writing, by phone, or through your client portal. Cancellation will take effect at the end of your current billing cycle. You will not be charged for any period after your cancellation date.
- No Hidden Fees. All fees, charges, and billing terms will be clearly disclosed in your signed service agreement before any work begins. There are no setup fees, enrollment fees, or cancellation fees.
5. Consumer Rights & Remedies
As a consumer, you are protected by federal and state laws governing credit repair organizations. Flow Credit Solutions is committed to full compliance with these laws and respects your rights at all times:
- You have the right to sue Flow Credit Solutions if we violate any provision of the Credit Repair Organizations Act (CROA). In such a lawsuit, you may recover your actual damages or the total amount you paid to us, whichever is greater
- You may also be entitled to punitive damages as determined by the court
- You are entitled to recover reasonable attorney's fees and court costs if you prevail in a CROA action
- A class action may also be brought under CROA, where statutory damages may be awarded up to the lesser of $500,000 or 1% of the net worth of the credit repair organization
- Your state may provide additional rights and remedies beyond those offered by federal law. We encourage you to consult with an attorney or your state Attorney General's office to understand the full scope of your protections
6. Limitation of Liability
To the maximum extent permitted by applicable law, Flow Credit Solutions, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, including but not limited to lost profits, lost data, loss of goodwill, or other intangible losses.
Our total aggregate liability for any claims arising from or related to our services shall not exceed the total amount of fees you have paid to Flow Credit Solutions during the twelve (12) months immediately preceding the event giving rise to the claim.
Nothing in these Terms shall limit or exclude our liability for fraud, gross negligence, willful misconduct, or any liability that cannot be excluded or limited under applicable law, including liability under the Credit Repair Organizations Act (CROA).
7. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles, and applicable federal law, including the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679 et seq., and the Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 et seq.
Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you consent to the personal jurisdiction and venue of such courts. Nothing in this section shall limit your right to bring an action in any court of competent jurisdiction as permitted by CROA or other applicable consumer protection law.
8. Contact Information
If you have questions about these Terms, wish to exercise your right to cancel, or need to contact us for any reason related to your service agreement, you may reach us at:
Flow Credit Solutions
1234 Financial District, Suite 500
Tampa, FL 33602
Email: [email protected]
Phone: (800) 555-1234
Last Updated: March 16, 2026
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