Rules of our service

Electi Financial Solutions is a Credit Repair Organization (CRO) registered in Texas that offers credit report audit services, drafting and sending of dispute letters, and credit building advice. We operate under the federal Credit Repair Organizations Act (CROA).

Free initial analysis of your three reports (Equifax, Experian, TransUnion). If you decide to hire us: monthly drafting and sending of formal dispute letters, follow up on the status of each dispute, access to a client portal to see progress, and detailed monthly report of changes.

We do not guarantee specific results or any particular score improvement. We do not use false information or tactics that may harm you. We do not ask for upfront payment before providing services. Billing is monthly and you can cancel it whenever you want.

You have the right to cancel this contract without penalty or cost within 3 business days following its signing. You have the right to a detailed written statement of your services before starting. You have the right not to pay until the service has been provided.

You can dispute incorrect information on your reports on your own and at no cost, by directly contacting Equifax, Experian, and TransUnion. The agencies have 30 days to investigate your dispute. You have the right to a free copy of your reports once a year at annualcreditreport.com.

The total cost of the service is one thousand five hundred dollars. We charge nothing in advance: payment happens once, after the service has been fully performed. If you are buying a home, it is paid at closing; otherwise, within five days of our written notice that we finished. You can cancel without penalty or cost within three business days of signing the contract, and we hand you the blank cancellation notice along with the agreement so you can use it if you decide to.

We are not lawyers nor providers of legal or financial advice. Our service is based on rights that federal law already grants you. We cannot guarantee that a creditor or credit agency will accept a specific dispute. The final decision on any change to your report is made by the credit agencies.

Any dispute about our services will first be attempted to resolve through direct communication. If not possible, it will be submitted to binding arbitration under the rules of the American Arbitration Association in Harris County, Texas, unless the law requires otherwise.

If we modify these terms we will publish the new version on this page. Your continued use of our services after the change implies acceptance of the new terms.