Please read these terms carefully before using our website, downloading our content, or purchasing access to CreditEvolve. By using our services, you agree to be bound by these terms.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Evolve Credit Repair ("Evolve," "we," "us," or "our"), governing your access to and use of our website located at evolvecreditrepair.org, the CreditEvolve Personal Dispute Letter Builder, and all related content, products, and services (collectively, the "Services").
By accessing or using any of our Services, downloading any of our content, or completing a purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease using our Services.
We reserve the right to modify these Terms at any time. Continued use of our Services after such modifications constitutes your acceptance of the updated Terms.
Evolve Credit Repair provides consumer credit education services, including but not limited to:
All Services are provided for consumer education and informational purposes only. Nothing in our Services constitutes legal advice, financial advice, or a guarantee of any specific credit outcome.
Pursuant to the Credit Repair Organizations Act (15 U.S.C. § 1679d), you have the right to cancel any contract with Evolve Credit Repair for credit repair services without penalty or obligation within three (3) business days from the date you signed the contract or paid for services, whichever is later.
To cancel, you must notify us in writing within this three-day period at: freereview@evolvecreditrepair.org or by phone at 972-636-5151. If you cancel within this period, we will refund any payment made within 10 business days.
In compliance with the Credit Repair Organizations Act, Evolve Credit Repair does not:
All content provided by Evolve Credit Repair and CreditEvolve — including the DIY Credit Repair Blueprint, letter templates, worksheets, guides, video content, and any other materials — is provided for consumer education and informational purposes only.
Nothing in our Services constitutes legal advice. The letter templates provided through CreditEvolve are educational templates designed to assist consumers in understanding dispute processes. They are not prepared by attorneys and do not constitute legal representation. The use of our letter templates does not create an attorney-client relationship between you and Evolve Credit Repair or any of its employees or representatives.
We strongly encourage you to consult with a licensed attorney if you have complex legal questions, if a creditor or collector threatens legal action, or if you are dealing with identity theft that may require legal intervention.
Evolve Credit Repair expressly disclaims any guarantee or warranty regarding credit outcomes. Credit repair results are highly individualized and depend on numerous factors outside our control, including but not limited to:
No employee, representative, or content produced by Evolve Credit Repair is authorized to guarantee any specific point increase to your credit score or guarantee the removal of any specific item from your credit report. Any such representation, if made, is unauthorized and should not be relied upon.
CreditEvolve is offered as a single paid plan: $99.00 for 12 months of full access, starting on the date of purchase. Creating an account is free and includes your Credit Game Plan, one Personal Information Correction letter, and one credit report import, with no payment required.
All prices are in U.S. dollars. We reserve the right to change pricing at any time with reasonable notice to existing members; a price change never affects a term you have already paid for.
Your access does not renew automatically, and we will not charge you again unless you choose to purchase another term. When your 12 months end, you may purchase a new 12-month term. If you renew from 7 days before through 7 days after your access end date, the renewal price is $69.00. After that window, a new 12-month term is $99.00. A renewal term begins when your current access ends, or on the date you purchase it if your access has already ended. Because there is no recurring billing, there is no subscription to cancel.
You may request a full refund of the price you paid for CreditEvolve, including any tax collected, for any reason within 30 days of purchase. Submit a help ticket or email freereview@evolvecreditrepair.org. Refunds are returned to your original payment method, and your paid access ends when the refund is issued. After 30 days, purchases are non-refundable. Your three-day right to cancel described in Section 3 is not affected by this policy.
Personal information you enter into the CreditEvolve letter builder, including your name, address, Social Security number digits, and account details, is processed within your browser. It is not transmitted to our servers or stored in any of our databases, and the details you type into a letter are discarded when you close the page. If you import a credit report, a de-identified snapshot of account statuses and dates (no name, Social Security number, or account numbers) is kept only on your own device, for up to one year, so CreditEvolve can show you what changed; you can delete it at any time, and we cannot access it. What we do store is your account email, your membership status, and, for letters you save, the letter type, recipient, and date. We have no access to the content of letters you generate.
By using our Services, you agree that you will:
All content on our website and within our Services — including but not limited to text, graphics, logos, letter templates, worksheets, videos, audio, and software — is the property of Evolve Credit Repair or its licensors and is protected by United States copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of our content without our prior written consent.
The letter templates provided through CreditEvolve are licensed to you for your personal use in generating dispute letters for your own credit accounts only. You may not resell, sublicense, or distribute these templates.
Our Services may reference or link to third-party websites, services, and resources, including credit reporting agencies, the Consumer Financial Protection Bureau (CFPB), AnnualCreditReport.com, and payment processors. These third-party resources are governed by their own terms and privacy policies, and we have no control over their content or practices.
We are not responsible for the availability, accuracy, or content of third-party websites. References to third-party services do not constitute endorsement by Evolve Credit Repair.
Our letter templates reference provisions of the Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.) and the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692 et seq.). While we make reasonable efforts to ensure the accuracy of these references, we do not warrant that our templates fully comply with all current provisions of these laws as they may be amended from time to time or as interpreted by courts in your jurisdiction.
You are responsible for verifying that any letter you send complies with applicable law. We recommend reviewing the current text of these statutes and consulting an attorney before sending legal demands to creditors or collectors.
You agree to defend, indemnify, and hold harmless Evolve Credit Repair and its owners, officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
Before initiating any formal dispute, you agree to first contact us at freereview@evolvecreditrepair.org and attempt to resolve the dispute informally. We will make good-faith efforts to resolve disputes within 30 days.
If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or our Services that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration shall take place in Dallas County, Texas, or via remote hearing. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights or unauthorized disclosure of confidential information. Small claims court actions within applicable jurisdictional limits are also excluded from mandatory arbitration.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. To the extent that any dispute is not subject to arbitration under Section 14, you consent to the exclusive jurisdiction of the state and federal courts located in Dallas County, Texas.
You acknowledge that the letter templates provided through CreditEvolve are intended for use in legitimate disputes of inaccurate, incomplete, or unverifiable information on your credit report. You further acknowledge that:
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Evolve Credit Repair regarding the subject matter hereof and supersede all prior or contemporaneous agreements, representations, warranties, and understandings. If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
For questions about these Terms and Conditions, please contact us: