Terms & Conditions

These Terms and Conditions govern the use of Credit Fix JOE services, website, client portal access, communications, consultations, billing, credit education, credit analysis, dispute preparation, and related services.

By using this website, enrolling in services, submitting information, signing an agreement, communicating with Credit Fix JOE, or accessing any client resources, you agree to these Terms and Conditions, our Privacy Policy, and any signed client service agreement applicable to your services.

Credit Fix JOE is a small, local, family-based business providing lawful, compliance-based credit consultation, credit education, credit profile review, and dispute strategy services.

Services Provided

Credit Fix JOE provides credit consultation, credit profile review, credit education, credit strategy, dispute preparation, dispute sequencing, progress tracking, credit optimization guidance, and related services designed to assist clients in reviewing, organizing, and addressing their credit profiles through lawful and compliance-based methods.

Services may include, where applicable:

Credit file review and analysis
Review of information appearing on consumer credit reports
Identification of potentially inaccurate, obsolete, incomplete, unverifiable, or questionable information
Strategic dispute planning
Bureau dispute preparation
Furnisher dispute preparation
Method of Verification requests
Escalation-based dispute sequencing
Collection account review and strategy
Inquiry review and dispute preparation where applicable
Credit profile optimization guidance
Client education and progress tracking
Review of credit monitoring information
Client support and consultation

Credit Fix JOE does not provide legal advice, tax advice, accounting advice, mortgage approval decisions, lending decisions, investment advice, or debt settlement services.

No Guarantee Of Results

Credit Fix JOE does not guarantee any specific credit score increase, deletion result, approval decision, funding result, loan result, tradeline removal, collection removal, inquiry removal, reporting change, or timeframe.

Results vary based on each client’s unique credit profile, creditor and furnisher reporting practices, credit bureau investigation procedures, the legal verifiability of reported information, client participation, documentation quality, account history, debt obligations, current credit behavior, and many other factors outside the control of Credit Fix JOE.

Accurate, timely, and verifiable information cannot legally be removed simply because a client wants it removed. Credit Fix JOE only assists with lawful, compliance-based review and dispute processes.

Client Responsibilities

Clients are responsible for providing accurate, current, and complete information throughout the service relationship.

Clients agree to:

Provide clear identification documents when requested
Provide acceptable proof of address when requested
Maintain active required credit monitoring access
Keep payment information current
Forward important creditor, collector, or bureau correspondence within five (5) business days
Avoid applying for new credit without discussing strategy first
Avoid significantly increasing balances during active services
Communicate truthfully and promptly
Respond to reasonable requests for documentation or clarification
Notify Credit Fix JOE of any material changes affecting their credit profile
Avoid taking actions that may interfere with active strategy or dispute sequencing

Client cooperation is essential. Failure to participate, provide documentation, maintain monitoring, maintain payment status, or communicate may delay or interrupt services.

Credit Monitoring Requirement

Active third-party credit monitoring access is required during participation in services.

Credit monitoring allows Credit Fix JOE to review credit profile changes, track updates, review bureau reporting, analyze results, and support dispute strategy.

If using Credit Hero Score, enrollment occurs after signup and is billed separately through the monitoring provider. Credit Hero Score or any other third-party monitoring provider is separate from Credit Fix JOE unless otherwise stated.

Failure to maintain active monitoring access may interrupt active workflows, delay dispute sequencing, delay progress reviews, prevent updated report analysis, or temporarily suspend strategic activity until access is restored.

If required monitoring services, including Credit Hero Score or equivalent monitoring access, become inactive, suspended, canceled, inaccessible, or unpaid for more than five (5) business days, Credit Fix JOE reserves the right to charge a non-refundable $19 account reactivation and workflow restoration fee prior to resuming services.

Credit Fix JOE shall not be responsible for delays caused by inactive monitoring access, failed monitoring payments, expired monitoring payment methods, third-party monitoring outages, client-caused interruptions, or inaccessible monitoring accounts.

Third-party Services

Certain services may require the use of third-party platforms, software, credit monitoring systems, payment processors, communication platforms, portals, or authorized service providers.

Third-party services may include, but are not limited to, credit monitoring providers, client portals, payment processors, electronic signature providers, communication tools, and credit report access tools.

Credit Fix JOE is not responsible for outages, interruptions, pricing changes, billing issues, reporting delays, data limitations, access restrictions, or service limitations caused by third-party providers.

Clients remain responsible for maintaining any required third-party account access needed for Credit Fix JOE to perform services.

Payment Agreement And Billing Authorization

By enrolling in services, signing a client agreement, submitting payment information, or authorizing payment, the client authorizes Credit Fix JOE to charge the payment method provided for applicable initial service fees, recurring monthly service fees, administrative fees, reactivation fees, and any other authorized amounts associated with services.

The Elite Resolution Plan

Initial Service Fee:
$199.00 authorized at signup and processed one (1) business day later. Funds are held in a designated trust account during the applicable cancellation period and are not considered earned or transferred to Credit Fix JOE’s operating account until the applicable cancellation period has expired and the initial contracted service round has been completed.

Monthly Service Fee:
$199.00 recurring every thirty (30) days after the initial payment and continuing every thirty (30) days thereafter unless canceled. This is an ongoing month-to-month service and is not limited to six service rounds.

Billing may continue every thirty (30) days until the client cancels in writing or services are otherwise terminated.

Credit Fix JOE may update pricing, plan structure, services, or billing policies from time to time. Existing clients will remain subject to the terms of their signed agreement unless otherwise updated by written agreement or lawful notice.

Month-to-month Service

Credit Fix JOE services are month-to-month unless otherwise stated in a signed written agreement.

There is no long-term contract obligation for the monthly service.

Clients may cancel at any time by submitting written notice via email to info@creditfixjoe.com.

Cancellation should be submitted prior to the next scheduled billing date to avoid additional recurring charges.

No partial refunds shall be issued for billing periods that have already begun, except where required by applicable law or stated in a signed agreement.

Denefits Financing Disclosures

Denefits financing is a separate payment option for purchasing a specified Credit Fix JOE service plan. A Denefits-financed plan is not the same as Credit Fix JOE’s ongoing $199.00 month-to-month service.

The publicly advertised Denefits service option is the CFJ 6-Round Credit Repair Plan, which includes six (6) service rounds and has a Credit Fix JOE service price of $1,199.00.

Credit Fix JOE may also offer a privately presented twelve-round service plan through direct consultation when appropriate. That plan includes twelve (12) service rounds and has a Credit Fix JOE service price of $2,388.00. It is not generally offered for public online self-enrollment. The applicable plan name, number of service rounds, service price, and other material terms will be stated in the client’s Credit Fix JOE service agreement and Denefits contract before acceptance.

A Denefits-financed plan purchases a specified number of service rounds, not the same number of calendar months. A “service round” is a documented cycle of credit-file review and applicable work that may include review of updated credit information, strategy, dispute preparation, follow-up activity, tracking, and response review.

A service round is considered completed when the applicable work for that round has been processed, the applicable correspondence has been mailed or submitted, and the completed work records are made available through the client portal. A service round does not require a particular deletion, score increase, creditor response, bureau response, or other result to be considered completed.

The timing between rounds may vary because of credit bureau or furnisher response times, monitoring availability, client participation, required documentation, legal requirements, and other circumstances outside the control of Credit Fix JOE. For Washington consumers, the estimated time for completion of contracted services will be stated in the signed service agreement and handled in accordance with applicable Washington law.

The Credit Fix JOE service-round commitment and the Denefits financing repayment term are separate. The CFJ 6-Round Credit Repair Plan is repaid over eighteen (18) months, and the privately offered twelve-round service plan is repaid over thirty-six (36) months. These are financing repayment schedules, not estimates of how long the service rounds will take. Denefits payments may continue after Credit Fix JOE completes the final contracted service round. The client’s executed Denefits contract controls the installment amount, interest, finance charges, transaction charges, optional services, late fees, total amount of financed payments, and any repayment terms specific to that client.

The stated Credit Fix JOE service price does not necessarily equal the total amount the client may pay under a Denefits financing agreement. Interest, transaction charges, optional services, or other charges disclosed by Denefits may increase the client’s total payments.

Existing-client service commitment: Credit Fix JOE will honor any previously enrolled plan labeled as a “six-month” plan as including six (6) service rounds, and any previously enrolled plan labeled as a “twelve-month” plan as including twelve (12) service rounds, without increasing the Credit Fix JOE service price stated in that client’s signed agreement.

This clarification does not change the execution date of a prior agreement, alter the client’s separate Denefits financing balance or repayment schedule, or reduce any cancellation, refund, or other consumer right.

Denefits financing programs, payment plans, interest rates, repayment schedules, approval requirements, fees, disclosures, financing providers, and financing terms may change from time to time. Any financing information displayed on the Credit Fix JOE website, advertisements, social media, printed materials, presentations, or other marketing materials is provided for general informational purposes only and may not reflect the most current financing terms available through Denefits.

Clients are responsible for reviewing all financing agreements, disclosures, repayment schedules, lending terms, fees, optional services, and conditions presented by Denefits before accepting a financing arrangement.

Credit Fix JOE is not a lender and does not independently approve, deny, underwrite, or issue financing. Credit Fix JOE does not control or guarantee Denefits financing approvals, payment processing, financing terms, lending decisions, financing availability, platform functionality, account servicing, collections activity, interest charges, repayment obligations, or future program changes.

Credit Fix JOE provides a five (5) working-day cancellation period for its service agreement as described below. Denefits may provide separate cancellation or rescission instructions for its financing agreement. A cancellation request submitted to Credit Fix JOE does not automatically cancel a separate Denefits financing agreement unless required by applicable law or confirmed by Denefits. Clients should follow the cancellation procedures and deadlines stated in both agreements. Nothing in these Terms reduces any non-waivable cancellation or refund right provided by law.

Clients using a Denefits-financed Credit Fix JOE plan must maintain an active compatible credit monitoring service capable of providing the information necessary for Credit Fix JOE to review, analyze, and perform services. Credit Hero Score is one commonly used compatible monitoring provider but is not required. Fees charged by a third-party credit monitoring provider are separate from Credit Fix JOE service prices and separate from any Denefits financing agreement unless expressly included in the client’s signed documents.

Credit Fix JOE reserves the right to modify accepted payment methods, financing options, financing providers, monitoring requirements, service procedures, operational workflows, and related business practices as necessary to maintain compliance, operational efficiency, or service availability.

Nothing within a financing arrangement shall be interpreted as a guarantee of credit score improvement, deletion of information, loan approval, financing approval, home-purchase qualification, or any other specific outcome. Individual results vary and depend upon numerous factors outside the control of Credit Fix JOE.

Advanced Creditor Intervention Services

Standard monthly service does not include extensive creditor intervention, debt-settlement negotiation assistance, conference calls, CFPB follow-up communication, or manual creditor account-resolution services.

When requested by the client, these advanced services may be billed separately at a rate of $100 per hour, billed in 30-minute increments with a 30-minute minimum charge.

Charges apply only to actual time spent on:

Creditor and collector phone calls
Settlement discussion assistance
CFPB follow-up handling
Three-way client/lender calls
Manual account research and intervention
Documentation and case management related to negotiated resolutions

Client authorization may be obtained verbally, electronically, or in writing before work is performed.

Credit Fix JOE provides administrative support and credit education services only. Results are not guaranteed, and no legal representation is provided.

Client Referral Reward Program

Effective Date: July 30, 2026

A first-time new client who identifies a current or former Credit Fix JOE client as the referrer and successfully enrolls will receive 50% off the new client’s first eligible base monthly service fee. Successful enrollment means the new client has signed the service agreement, completed required onboarding, allowed any applicable cancellation period to expire, and successfully completed the first eligible payment. The referrer’s name must be received no later than 11:59 p.m. Pacific Time on the ninth Business Day after successful enrollment. No certificate, certificate number, or referral code is required. If the full first eligible fee has already been processed, Credit Fix JOE may provide the discount through an equivalent refund or account credit.

If the named referrer is an active paying Credit Fix JOE client in good standing when the referral is recorded and when the reward is initiated, Credit Fix JOE will initiate a refund equal to 50% of the referrer’s own eligible base monthly service fee on or before the tenth Business Day after successful enrollment. Bank and payment-processor posting times may vary.

Free, complimentary, former, paused, canceled, inactive, or otherwise nonpaying clients may refer someone, but only the referred new client receives the benefit.

Referral benefits apply only to base monthly Credit Fix JOE service fees and exclude credit monitoring, third-party charges, taxes, financing payments, one-time services, add-ons, past-due amounts, and other separately billed charges. Only one referrer is permitted per new client. Referral rewards may not exceed 100% of the referrer’s eligible base monthly service fee during one billing cycle.

Additional properly earned rewards may be carried forward only while the referrer remains an active paying client in good standing.

Referral benefits cannot be combined with another promotion unless approved by Credit Fix JOE in writing. Self-referrals, duplicate or fraudulent accounts, and enrollments involving canceled, refunded, returned, disputed, reversed, or charged-back payments are ineligible. Business affiliates and professional referral sources, including real estate and mortgage professionals acting in that capacity, are excluded from this consumer client referral program.

Anyone publicly promoting the program must clearly disclose that they may receive a referral reward.

Referral certificates and promotional graphics are marketing materials only and have no independent cash value. Credit Fix JOE may verify eligibility and modify, suspend, or terminate the program prospectively. Properly earned rewards will be honored unless invalidated by fraud, payment reversal, or violation of these Terms. “Business Day” means Monday through Friday, excluding federal holidays.

Failed Payments And Administrative Fees

Clients are responsible for maintaining valid and current payment information throughout the duration of services.

A three (3) calendar-day grace period may be provided for failed or declined payments before an administrative fee is assessed.

If a scheduled payment is declined, returned, disputed, reversed, or otherwise unsuccessful beyond the applicable grace period, Credit Fix JOE reserves the right to charge a non-refundable $25 administrative processing fee to offset additional account handling, billing review, workflow interruption, and manual administrative services associated with the failed transaction.

Credit Fix JOE may provide one (1) courtesy waiver of such administrative fee per client lifetime at its sole discretion.

Accounts with unresolved balances, failed payments, disputed payments, chargebacks, expired payment methods, insufficient funds, or unpaid recurring service fees may be temporarily paused until the account is brought current.

Credit Fix JOE shall not be responsible for delays in service execution caused by failed payments, expired payment methods, insufficient funds, unresolved billing issues, chargebacks, or client-caused payment interruptions.

Service Pause, Interruption, Or Termination

Credit Fix JOE reserves the right to pause, limit, decline, suspend, or discontinue services for accounts that are:

Delinquent
Inactive
Unresponsive
Abusive
Fraudulent
Subject to unresolved chargebacks
Missing required documentation
Missing active credit monitoring
Using inaccurate or misleading information
Materially non-compliant with required program participation
Disruptive to lawful operations
Outside the scope of services Credit Fix JOE is able or willing to provide

Service pauses may delay dispute sequencing, progress reviews, correspondence preparation, escalation timelines, and other workflow activity.

Credit Fix JOE is not responsible for delays caused by client non-participation, missing documentation, inactive monitoring, billing failure, third-party interruption, or client-caused workflow disruption.

Refund Policy

Refunds may be available when a client timely cancels during an applicable cancellation period, as required by law or expressly stated in the client’s signed agreement.

To request a cancellation or refund, email info@creditfixjoe.com.

If a client timely cancels during the applicable cancellation period and payment has been made, Credit Fix JOE will process any required refund in accordance with applicable law.

No partial refunds are issued for service periods that have already begun unless required by law or expressly stated in a signed agreement.

Administrative fees, failed-payment fees, reactivation fees, and third-party provider fees may be non-refundable unless required by law.

Right Of Cancellation

Clients may cancel their Credit Fix JOE client service agreement without penalty or obligation by midnight of the fifth (5th) working day after signing by providing written notice to info@creditfixjoe.com.

This Credit Fix JOE cancellation period does not shorten any longer cancellation right provided by applicable law. The client’s signed cancellation notice and service agreement contain the controlling instructions for exercising this right.

Cancellation after the initial cancellation period will stop future recurring Credit Fix JOE billing but does not automatically create a refund for service periods that have already begun.

When Denefits financing is used, the client must also follow the separate cancellation instructions in the Denefits financing agreement. Credit Fix JOE cannot promise that Denefits will cancel or modify a financing obligation unless Denefits confirms the change or applicable law requires it.

Consumer Credit File Rights

Consumers have the right to dispute inaccurate information in their credit report by contacting the credit bureaus directly.

Consumers may obtain a free copy of their credit report from each credit bureau annually.

Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of consumer report information.

Credit bureaus must investigate disputed items free of charge and must allow consumers to include statements if disputes are not resolved.

Only inaccurate, obsolete, incomplete, or unverifiable information may be challenged or removed through lawful credit-reporting processes.

Accurate and verifiable information cannot legally be removed simply because a consumer wants it removed.

Consumers may sue a credit repair organization that violates applicable law.

CROA And State Law Compliance

Credit Fix JOE operates with the intent to comply with applicable federal and state laws, including but not limited to:

Credit Repair Organizations Act
Fair Credit Reporting Act
Fair Credit Billing Act where applicable
Electronic Signatures in Global and National Commerce Act
Applicable Washington consumer-protection and credit-services-organization requirements
Applicable Idaho consumer-finance, licensing, and credit-repair-organization requirements where applicable

Nothing in these Terms is intended to waive or limit any non-waivable consumer right under federal or state law. If any provision of these Terms conflicts with a mandatory consumer-protection law, the mandatory law controls.

Washington Disclosure

For Washington consumers, Credit Fix JOE recognizes applicable Washington credit-services-organization requirements, including cancellation rights and consumer protections under Washington law.

Washington consumers may have the right to cancel a credit-services-organization contract without penalty or obligation within five (5) working days after signing.

If cancellation is timely submitted within the applicable cancellation period, required refunds will be handled in accordance with Washington law.

Washington consumers retain all rights provided under applicable Washington consumer-protection laws.

Idaho Disclosure

For Idaho consumers, Credit Fix JOE recognizes applicable Idaho requirements governing credit-repair organizations, licensing, bonding, records, cancellation rights, and consumer-protection obligations where applicable.

Credit Fix JOE does not intend to operate in Idaho in violation of applicable licensing, bonding, or consumer-protection requirements.

Idaho consumers retain all rights provided under applicable Idaho and federal law.

Communication Consent

By using this website, submitting forms, scheduling appointments, enrolling in services, or communicating with Credit Fix JOE, you consent to receive service-related communications from Credit Fix JOE.

Communications may include:

Emails
Phone calls
Text messages
Appointment reminders
Billing notifications
Payment alerts
Client portal updates
Workflow updates
Account alerts
Educational information
Service-related follow-up

Message and data rates may apply.

Consent to receive marketing messages is not required as a condition of purchase.

Privacy Policy

Credit Fix JOE’s Privacy Policy is incorporated into these Terms by reference.

The Privacy Policy is available at www.creditfixjoe.com/privacy.

Limitation Of Liability

To the maximum extent permitted by law, Credit Fix JOE shall not be liable for indirect, incidental, consequential, special, punitive, exemplary, or speculative damages arising from or related to services, website use, credit-reporting delays, bureau decisions, creditor actions, collection-agency actions, third-party interruptions, payment issues, client financial decisions, lending outcomes, score changes, or service delays.

Nothing in this section limits non-waivable rights under applicable consumer-protection laws.

Governing Law

These Terms shall be governed by the laws of the State of Washington unless another state’s mandatory consumer-protection law applies.

To the extent legally permitted, any dispute relating to these Terms, website use, or services shall be brought in Spokane County, Washington.

Nothing in this section limits any mandatory consumer rights or venue rights that cannot be waived under applicable law.

Contact Information

Credit Fix JOE, LLC
9329 E Montgomery Ave
Spokane Valley, WA 99206

Client Support / Billing / Resources: 509-342-5060 (Text Friendly)
Email: info@creditfixjoe.com

Company Information