This agreement is entered into pursuant to the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. and all applicable federal and state consumer protection laws. You have the right to cancel this agreement within 3 business days of signing without penalty. See Section 5 for full cancellation terms.
Parties to This Agreement
This Client Service Agreement ("Agreement") is entered into between the following parties:
850 FICO Club
A credit education and consulting company providing dispute assistance guidance, credit report analysis, and consumer financial education services.
Contact: info@850ficoclub.com
Coverage: Nationwide — All 50 States
The Enrolled Individual
The individual who has enrolled in a service plan offered by 850 FICO Club and agreed to the terms of this Agreement. Client information is collected at the time of enrollment and maintained in the secure client portal.
By enrolling in any service plan offered by 850 FICO Club, the Client agrees to be bound by all terms and conditions set forth in this Agreement. This Agreement constitutes the entire understanding between the parties with respect to the subject matter herein.
Section 02Description of Services
850 FICO Club provides credit education, credit report analysis, and dispute assistance guidance services to consumers. The specific services included in each membership plan are described below. All services are subject to the terms of this Agreement.
Services provided by 850 FICO Club may include, as applicable to the enrolled plan:
- 3-Bureau Credit Report Review — Analysis of credit reports from Equifax, Experian, and TransUnion to identify items that may be inaccurate, incomplete, or unverifiable.
- Dispute Assistance — Preparation and submission guidance for dispute letters to consumer reporting agencies and/or original creditors for potentially inaccurate or unverifiable information.
- Personal Information Updates — Assistance reviewing and correcting personal identifying information appearing on credit reports.
- Credit Education & Guidance — Personalized credit education, scoring education, and improvement strategy guidance.
- Secure Client Portal Access — Real-time access to case status, dispute tracking, and communication through the 850 FICO Club client portal.
- Credit-Building Strategy Guidance — Guidance on positive credit behaviors, utilization management, and account strategies to support long-term credit improvement.
- Ongoing Monitoring Support — Continued review and guidance as dispute responses are received and credit profiles are updated over time.
Services available under each plan tier (Gold, Platinum, or Couples) are defined at the time of enrollment and may include the items above as applicable to that plan level. 850 FICO Club reserves the right to update service offerings with reasonable notice to enrolled clients.
Section 03Fees, Billing & Payment Terms
Fees for services rendered by 850 FICO Club are structured as follows. In accordance with the Credit Repair Organizations Act (CROA), no fees are charged or collected before the promised services have been performed.
| Plan | Initial Fee | Monthly Fee | Coverage |
|---|---|---|---|
| Gold Membership | $249 | $199 / month | 1 Individual |
| Platinum Membership Popular | $500 | $249 / month | 1 Individual |
| Couples Membership | $750 | $399 / month | 2 Individuals |
The initial fee is charged upon enrollment and covers the first period of services. Recurring monthly fees are billed on the same calendar date each month thereafter. All fees are charged to the payment method on file at the time of billing. Client is responsible for maintaining a valid payment method on file at all times. Failed payments may result in a temporary suspension of services until the balance is resolved.
If you cancel within 3 business days of signing this Agreement, you are entitled to a full refund of any fees paid, as required by the Credit Repair Organizations Act. After the 3-day cancellation window, fees for services already performed are generally non-refundable. Clients who cancel after the 3-day period will not be billed for future monthly periods following the cancellation date. 850 FICO Club does not issue refunds for services already rendered.
Client Obligations & Responsibilities
In order for 850 FICO Club to provide services effectively, the Client agrees to the following obligations:
- Provide Accurate Information — Client agrees to provide accurate, complete, and truthful information at all times, including personal identifying information, contact details, and credit-related information.
- Grant Authorization — Client authorizes 850 FICO Club to access, review, and act on their behalf with respect to their credit reports and disputes as outlined in this Agreement.
- Respond Promptly — Client agrees to respond to requests for information, documentation, or signatures in a timely manner. Delays caused by the Client may affect service timelines.
- Maintain Current Contact Information — Client is responsible for keeping their contact information and payment method up to date in the client portal.
- Not Make False Representations — Client agrees not to make any false or misleading statements to consumer reporting agencies, creditors, or any third parties in connection with the services provided under this Agreement.
- Understand Limitations — Client acknowledges that 850 FICO Club cannot guarantee specific outcomes and that results vary based on individual credit profiles and circumstances.
Cancellation & Termination
3-Day Right to Cancel — Federal Law
Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679c, you have the right to cancel this Agreement without penalty or obligation before midnight of the third business day following the date you signed it.
To cancel within the 3-day window, you must provide written notice to 850 FICO Club. Upon receipt of a valid cancellation notice, 850 FICO Club will refund any money paid within 10 calendar days.
- Email: info@850ficoclub.com
- Or use the Notice of Cancellation form on our website
Cancellation After 3 Business Days: After the 3-day cancellation window, either party may terminate this Agreement with written notice. The Client will not be billed for any future monthly period following the effective cancellation date. Fees already charged for services performed are non-refundable.
Termination by 850 FICO Club: 850 FICO Club reserves the right to terminate this Agreement and suspend services if the Client: (a) fails to maintain a valid payment method, (b) provides false or misleading information, (c) engages in any conduct that violates applicable law, or (d) fails to cooperate with the service process. Written notice of termination will be provided.
Section 06No Guarantee of Results
850 FICO Club does not guarantee the removal of any specific item from a credit report, any specific credit score increase, or any specific financial outcome. Results vary based on each consumer's individual credit profile and circumstances.
Under the Credit Repair Organizations Act, 850 FICO Club is required to disclose: We cannot promise to remove accurate, verifiable, and timely information from your credit report. No credit repair organization can legally guarantee the removal of accurate information. Any representation to the contrary is unlawful. The services provided under this Agreement are dispute assistance, credit education, and guidance services — not guarantees of any specific result.
Client acknowledges and understands that:
- Credit score improvements, if any, depend on many factors outside the control of 850 FICO Club, including the decisions of consumer reporting agencies, creditors, and debt collectors.
- The dispute process timeline is governed by federal law (FCRA) and depends on the response of consumer reporting agencies, which may take up to 30–45 days per dispute cycle.
- Accurate, verifiable negative information cannot be removed from a credit report before its legally mandated expiration period.
- Individual results shown in marketing materials, testimonials, or examples represent specific client experiences and are not typical or guaranteed.
Limitation of Liability
To the fullest extent permitted by applicable law, 850 FICO Club's total liability to the Client for any claims arising out of or related to this Agreement or the services provided shall not exceed the total fees paid by the Client in the 30-day period immediately preceding the event giving rise to the claim.
850 FICO Club shall not be liable for any indirect, incidental, consequential, special, or punitive damages of any kind, including but not limited to lost profits, lost business opportunities, or reputational harm, even if advised of the possibility of such damages.
850 FICO Club is not responsible for decisions made by consumer reporting agencies, creditors, lenders, or any third parties in response to disputes or other actions taken under this Agreement.
The Client agrees to indemnify and hold harmless 850 FICO Club, its officers, employees, and agents from and against any claims, damages, or expenses arising out of: (a) Client's breach of this Agreement, (b) Client's provision of false or misleading information, or (c) Client's violation of any applicable law in connection with the services provided hereunder.
Privacy & Data Use
850 FICO Club collects and processes personal information provided by the Client solely for the purpose of delivering the services described in this Agreement. Client information will not be sold to third parties for marketing purposes.
By enrolling, the Client authorizes 850 FICO Club to access their credit reports and share necessary information with consumer reporting agencies, creditors, and other parties as required to perform the services under this Agreement.
For full details on how 850 FICO Club collects, uses, and protects your personal information, please review our Privacy Policy.
Section 09Governing Law & Dispute Resolution
This Agreement shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions, and applicable federal law including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
In the event of any dispute arising out of or relating to this Agreement, the parties agree to first attempt to resolve the matter through good-faith negotiation. If the dispute cannot be resolved through negotiation within 30 days, either party may pursue legal remedies available under applicable law. Nothing in this Agreement limits the Client's right to pursue claims under federal consumer protection laws, including the CROA and FCRA.
If any provision of this Agreement is found to be invalid, unenforceable, or contrary to applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of this Agreement shall remain in full force and effect.
This Agreement, together with the Privacy Policy, Terms of Service, Consumer Credit File Rights, and Notice of Cancellation, constitutes the entire agreement between the parties with respect to the subject matter herein and supersedes all prior discussions, representations, or agreements.
Acknowledgment & Signatures
By signing below, the Client acknowledges that they have read, understood, and agree to all terms and conditions of this Service Agreement, and that they have received a copy of the Consumer Credit File Rights disclosure and the Notice of Cancellation as required by federal law.
Agreement Signatures
A copy of this signed Agreement, along with the Consumer Credit File Rights disclosure and Notice of Cancellation, will be provided to the Client at the time of enrollment in accordance with CROA requirements.
This Service Agreement is provided in accordance with the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq. 850 FICO Club provides credit education, credit report analysis, and dispute assistance guidance. We do not guarantee the removal of accurate information or specific credit score increases. This document does not constitute legal advice. Clients should consult a licensed attorney for legal advice specific to their situation. © 2026 850 FICO Club. All rights reserved.