Legal Terms

Terms of Service

These terms govern your use of Texas Credit Trail services. Please read carefully before using our services.

Last Updated: October 7, 2025

Acceptance of Terms

By accessing or using Texas Credit Trail's website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these terms, please do not use our services.

Important: These terms constitute a legally binding agreement between you and Texas Credit Trail.

Our Services

Credit Repair Services

Texas Credit Trail provides credit repair, credit education, and related financial services. Our services include:

  • Credit report analysis and dispute services
  • Credit education and counseling
  • Financial planning guidance
  • Ongoing support and monitoring

Service Limitations

Important Disclaimer

No Guarantees: While we work diligently to improve your credit profile, we cannot guarantee specific results or credit score improvements. Credit repair outcomes depend on many factors including the accuracy of information, creditor responses, and individual financial circumstances.

  • Results may vary by individual
  • Timeline for improvements cannot be guaranteed
  • Some negative items may be verified as accurate

Your Responsibilities

As a client, you agree to:

  • Provide accurate and complete information
  • Respond promptly to requests for information or documentation
  • Make timely payments for services as agreed
  • Follow our recommendations and maintain good financial habits
  • Notify us of any changes to your personal information

Payment Terms

Fees & Billing

Service fees are clearly outlined in your service agreement. Payment is due according to the schedule provided.

Late payments may result in service suspension.

Payment Methods

We accept various payment methods including credit cards, bank transfers, and other approved methods.

Payment processing fees may apply.

Cancellation & Refunds

Cancellation Rights

You have the right to cancel your service contract within three (3) business days of signing, as required by federal law. After this period, cancellation terms are outlined in your specific service agreement.

Refund Policy

Refunds are handled according to your service agreement and applicable law. Contact us for specific refund inquiries.

Prohibited Uses

You agree not to use our services for any unlawful purpose or in any way that:

  • Violates any federal, state, or local laws
  • Involves fraudulent or misleading information
  • Attempts to damage or interfere with our systems
  • Violates the rights of others

Limitation of Liability

To the fullest extent permitted by law, Texas Credit Trail's liability is limited to the amount paid for our services. We are not liable for indirect, incidental, or consequential damages.

Service Warranty

Services are provided "as is" without warranties beyond those required by law.

Third Party Actions

We are not responsible for actions taken by credit bureaus, creditors, or other third parties.

Governing Law

Texas Law

These Terms are governed by the laws of the State of Texas. Any disputes will be resolved in the appropriate courts of Texas. We comply with all applicable federal and state credit repair regulations.

Changes to Terms

Terms Updates

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated "Last Modified" date. Continued use of our services after changes constitutes acceptance of the new terms.

We will notify clients of significant changes via email or through our client portal.

Questions About These Terms?

If you have questions about these Terms of Service, please contact us:

Mailing Address

Webster, Texas, USA

For legal matters, please allow 5-7 business days for a response.

Legal Compliance

Texas Credit Trail operates in full compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and all applicable state and federal regulations governing credit repair services.

CROA Compliant
Federal credit repair regulations
FCRA Compliant
Fair credit reporting standards
Texas Licensed
State regulatory compliance