The Credit Repair Ministry LLC - Terms and Conditions

Last Updated: 03/30/2025

These Terms & Conditions govern your use of the services and website provided by The Credit Repair Ministry LLC ("TCRM," "we," "our," "us"). By using our website or services, you agree to these Terms & Conditions. If you do not agree with these terms, please do not use our website or services.

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1. Services Provided

The Credit Repair Ministry LLC offers credit repair services, financial guidance, and educational resources designed to help individuals improve their credit scores and financial situation. Our services include credit analysis, dispute management, and general credit education. While we strive to provide high-quality services, the results of credit repair efforts may vary based on individual circumstances.

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2. Payment and Billing

Payment for services is due upon signing up for the appropriate service plan. Prices for services are clearly outlined on our website, and any additional fees will be communicated to you prior to billing. We accept payment via credit card and other approved methods.

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3. Affiliate Links

Our website may contain affiliate links to third-party services such as MyScoreIQ, IdentityIQ, and MyDisco. If you choose to sign up for these services through our website, we may receive compensation from the third-party companies. This compensation helps us continue to provide quality services and support to our clients. Please review the terms and privacy policies of these third-party services before proceeding with any transactions.

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4. No Guarantees

While we provide the best tools and support available, we do not guarantee specific results for credit score improvement or credit report changes. Results will vary depending on individual factors such as your current credit situation, your actions, and the responses from credit bureaus or creditors.

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5. Confidentiality and Data Protection

We are committed to protecting your personal information. We will never share, sell, or rent your data to any third parties without your explicit consent, except when required by law. By using our services, you consent to the collection and use of your personal data in accordance with our Privacy Policy.

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6. Limitation of Liability

The Credit Repair Ministry LLC is not responsible for any damages resulting from your use of our website or services. This includes any direct, indirect, incidental, or consequential damages. You agree to hold us harmless from any claims arising from your use of our services.

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7. Intellectual Property

All content on our website, including text, graphics, logos, images, and videos, is the property of The Credit Repair Ministry LLC and is protected by copyright law. You may not use any of our content without written permission.

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8. Modifications to the Terms

We reserve the right to update or modify these Terms & Conditions at any time. Any changes will be posted on this page, and the updated date will be noted at the top. Please review this page periodically to stay informed of any changes.

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9. Contact Information

For any questions or concerns regarding these Terms & Conditions, or if you need assistance with our services, please contact us at:

• Phone: (901) 403-7523 (Available Monday to Friday, 9 AM - 2 PM CST)
• Email:
  • General inquiries: kyterria@thecreditrepairministry.com
  • Customer support: kyterria@thecreditrepairministry.com

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Updated Terms & Conditions:

Payment and Billing

It is essential that you provide a valid and active payment method to ensure your credit repair services continue after any free trial period offered by affiliated services such as IdentityIQ or MyScoreIQ. If your payment is declined due to an expired or invalid card, you will not receive continued services until an updated payment method is provided.

Important Note:

• If you report any charges as fraud, you will forfeit any further services with The Credit Repair Ministry LLC. This action will result in an immediate cessation of services, as it violates the trust and security required to work together.
• In addition, please be sure to properly cancel your IdentityIQ subscription if you decide you no longer want to continue, as failure to do so may result in unnecessary charges.

By agreeing to our terms, you acknowledge the importance of maintaining an active payment method and handling cancellations properly to ensure future eligibility for services.