Credit Repair Disclosure

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Consumer Rights Notice

You have the right, under federal law, to dispute inaccurate, incomplete, outdated, or unverifiable information that appears on your credit reports at no cost, directly with the credit reporting agencies. You are not required to use a credit repair organization to exercise these rights.

Excel Credit Care provides credit education, organizational support, and dispute assistance services designed to help clients understand and navigate the credit reporting system. Our services are intended to assist consumers in exercising their rights in a structured and informed manner.

No Guarantee of Results

Credit repair results are not guaranteed. The removal, correction, or update of items on a credit report depends on multiple factors, including the accuracy of the information reported, creditor verification, and credit bureau investigations.

Excel Credit Care does not guarantee:

Credit scores may increase, decrease, or remain unchanged during the credit repair process depending on individual circumstances.

Nature of Services Provided

Excel Credit Care is not a credit bureau, lender, or legal service provider. We do not provide legal advice, financial advice, or credit counseling.

Our services include:

All services are provided in accordance with applicable federal and state laws, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

Client Responsibility

Clients are responsible for:

● Providing accurate and truthful information
● Reviewing all documents and communications
● Making timely payments for agreed services
● Following recommended credit practices outside of the dispute process

Failure to provide accurate information or documentation may affect the credit repair process and outcomes.

Timeframes and Expectations

Credit bureaus generally have up to 30 days to investigate a dispute. Some credit report changes may occur within the first 30–45 days, while other cases may require multiple dispute cycles over several months.
Credit repair is a process, not an instant solution. Sustainable improvement often involves time, consistency, and responsible credit behavior.

Transparency and Ethics

Excel Credit Care is committed to:

Honest communication

Ethical business practices

Compliance with all applicable laws

Clear explanation of services and fees

We do not engage in deceptive practices, false claims, or misleading representations..

Right to Cancel

Under the Credit Repair Organizations Act (CROA), you have the right to cancel credit repair services within three (3) business days of signing an agreement, without penalty or obligation.

Educational Purpose

In addition to dispute assistance, Excel Credit Care emphasizes credit education. Our goal is to help clients understand how credit works, how decisions affect credit scores, and how to maintain healthier credit profiles long after services end.

Acknowledgment

By engaging with Excel Credit Care, you acknowledge that:

● You understand your consumer rights
● You understand that results are not guaranteed
● You understand the scope and limitations of credit repair services

What Our Clients Are Saying

Our clients value our transparency, structured process, and dedication to helping them truly understand their credit, not just challenge negative items. We focus on clear communication, realistic expectations, and long-term credit improvement.

Maria L. Boston, MA

“Excel Credit Care helped me understand my credit report for the first time. The process was clear, organized, and I always knew what was happening.”

James R. Atlanta, GA

“I appreciated how transparent everything was. No false promises, just real guidance and steady progress. The updates kept me informed every step of the way.”

Danielle S. Phoenix, AZ

“What stood out to me was the education. I didn’t just see changes on my report, I learned how to manage my credit better going forward.”

Michael T. Chicago, IL

“Very professional and responsive. They took the time to explain what could and couldn’t be done, which built a lot of trust. I’m glad I chose Excel Credit Care.”

Client Portal

Clients have access to a secure online portal where they can view updates, dispute activity, and account status at any time.