Terms & Consumer Rights

Opulent Credit provides personalized credit repair assistance, credit education, financial positioning guidance, and funding-readiness support.

Each service is tailored to the client’s credit profile, selected program, and financial objectives.

Enrollment begins by selecting a program, completing our information form, and reviewing the applicable service agreement.

Before credit repair services begin, clients receive a written agreement detailing the scope of work, pricing, estimated service duration, and applicable consumer rights.

Submitting an inquiry or application does not establish a client relationship.

Under federal and applicable state law, you have the right to:

• Dispute inaccurate or incomplete information on your credit reports directly with credit reporting agencies, without hiring a credit repair company.
• Obtain copies of your credit reports and request investigations of reporting errors.
• Receive written service terms and required disclosures before entering a credit repair agreement.
• Cancel a credit repair agreement without penalty or obligation before midnight of the third business day after signing.
• Exercise your legal rights without intimidation, deception, or unlawful restrictions.

Accurate, current, and verifiable negative information generally cannot be removed simply because it is unfavorable.

Opulent Credit approaches every client profile individually.

Our services may include reviewing credit reports, identifying reporting discrepancies, preparing appropriate disputes, and assisting with follow-up communications.

We provide services in accordance with applicable consumer protection laws and the terms of each client’s agreement.

Program pricing and the applicable service fees are disclosed before enrollment.

The signed service agreement establishes the payment terms, scope of services, and any applicable billing arrangements.

Credit repair fees are not collected before the agreed services have been fully performed.

You may cancel your credit repair agreement without penalty or obligation at any time before midnight of the third business day after signing.

Your agreement includes the required Notice of Cancellation and instructions for exercising this right.

Any payments subject to statutory refund requirements will be returned within the legally required period.

Credit repair results depend on the accuracy of reported information, supporting documentation, and the findings of credit reporting agencies and information furnishers.

Opulent Credit cannot guarantee specific deletions, credit score increases, or completion timelines.

Funding-readiness guidance is intended to help clients better understand their financial profiles and prepare for potential financing opportunities.

Credit approvals, financing amounts, interest rates, and lending decisions remain subject to each financial institution’s independent requirements.

Opulent Credit does not guarantee financing approval or access to capital.

Clients are expected to provide accurate information, submit requested documentation through approved channels, and maintain communication throughout their service period.

All services are performed within the scope of the signed agreement and applicable law.

Client information is used to evaluate inquiries, facilitate enrollment, and provide authorized services.

Personal information is handled according to our Privacy Policy and applicable privacy requirements.

Credit reports and sensitive documentation should be provided only through approved, secure submission methods.

Opulent Credit operates subject to applicable federal and state consumer protection laws, including the Credit Repair Organizations Act, Fair Credit Reporting Act, and North Carolina Credit Repair Services Act.

Nothing in these terms limits or waives any consumer rights established by law.

Our team is available to answer questions about our programs, enrollment process, service agreements, and consumer protections.

Contact us through the official communication options provided on our website.