Terms, Conditions & Disclosures

Last updated: April 10, 2026

Required Disclosure Under the Credit Repair Organizations Act (CROA)

You have a right to dispute inaccurate information in your credit report without the help of a credit repair organization. You may contact a credit reporting agency directly to dispute the accuracy or completeness of any item in your file. There is no fee for such a dispute, and credit reporting agencies are required to investigate your dispute free of charge.

You have a right to obtain a copy of your credit report from a credit reporting agency. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit reporting agency must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

Wealth Fitness Solutions LLC cannot remove accurate, verifiable negative information from your credit report. We dispute items that are inaccurate, unverifiable, or outdated in accordance with the Fair Credit Reporting Act (FCRA).

1. Services Provided

Wealth Fitness Solutions LLC ("Company," "we," "us," or "our") provides credit repair and credit education services to consumers. Our services include reviewing your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion), identifying potentially inaccurate, unverifiable, or outdated information, and submitting disputes on your behalf in accordance with the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). We do not guarantee specific results, and we cannot guarantee the removal of any particular item from your credit report. Results vary based on the individual circumstances of each client's credit profile.

2. No Guarantee of Results

Credit repair results vary by individual. Wealth Fitness Solutions LLC makes no guarantee that our services will result in a specific improvement to your credit score or the removal of any specific negative item. Any testimonials or case studies presented on our website represent individual results and are not typical. Your results may differ based on your unique credit history, the nature of the negative items on your report, and the response of credit bureaus and creditors.

3. Client Responsibilities

As a client of Wealth Fitness Solutions LLC, you agree to: (a) provide accurate and complete information about your credit history and financial situation; (b) promptly forward all correspondence received from credit bureaus, creditors, or collection agencies to us; (c) not apply for new credit, close existing accounts, or make any significant changes to your credit profile without consulting us first; (d) make all required payments to us in accordance with your service agreement; and (e) cooperate fully with our team throughout the dispute process.

4. Fees and Payment

Our fees are disclosed in your individual service agreement prior to the commencement of services. In accordance with the CROA, we do not charge any fees before services are fully performed. Payment terms, including monthly service fees and any applicable setup fees, are outlined in your signed service agreement. All fees are non-refundable once services have been rendered for the applicable billing period. Currently, we accept payment via Zelle and bank invoice. Payment instructions will be provided upon enrollment. We do not store credit card information.

5. Cancellation Policy

You may cancel your service agreement at any time by providing written notice to [email protected]. Cancellation requests must be received at least 5 business days before your next billing date to avoid being charged for the next billing cycle. Upon cancellation, all active disputes will be discontinued. We will not be responsible for any changes to your credit report that occur after the cancellation date.

6. Privacy and Data Security

We take the privacy and security of your personal information seriously. We collect personal information including your name, address, Social Security number, date of birth, and credit report data solely for the purpose of providing credit repair services. We do not sell, trade, or rent your personal information to third parties. All data is transmitted and stored using industry-standard encryption. By using our services, you consent to the collection and use of your information as described in this policy.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Wealth Fitness Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of our services. Our total liability to you for any claims arising from or related to our services shall not exceed the total amount paid by you to us in the three months preceding the claim.

8. Dispute Resolution

Any disputes arising from or related to these Terms or our services shall first be addressed through good-faith negotiation between the parties. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules. Arbitration shall take place in Broward County, Florida. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of the state and federal courts located in Broward County, Florida for any matters not subject to arbitration.

10. Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes your acceptance of the new terms. We encourage you to review these Terms periodically.

11. Contact Information

If you have any questions about these Terms and Conditions, please contact us: Wealth Fitness Solutions LLC Florida & Nationwide Phone: (954) 886-4446 Email: [email protected]