Important rights and proposed service terms. Informational only; not your executed legal documents.
This page explains important rights. It does not replace delivery of your separate statutory disclosure, your signed acknowledgment of receipt, a completed service contract, or cancellation forms. CREDESSES Credit Services LLC has not yet retained counsel for launch review. Regulated charges remain disabled; this page is not a legal certification.
The Credit Repair Organizations Act covers paid services offered for the express or implied purpose of improving an individual's credit record, history, or rating, including advice or assistance. Before a contract is executed, the organization must provide the exact statutory Consumer Credit File Rights Under State and Federal Law statement separately from the contract and other written material, obtain a signed receipt acknowledgment, and retain that acknowledgment for two years. A written, dated contract signed by the consumer is required; no services may be provided before the federal three-business-day waiting period ends.
Washington requires a written information statement before a contract is executed or money is received, whichever happens first. It must contain the statutory rights text, information about representation and signature use, report access and disputes, detailed services and total cost, complaint instructions, and applicable bond or trust information. The contract must be written, dated, and signed, include required authorizations and contact information, and specify an estimated performance date or duration not exceeding 180 days. Completed cancellation forms in duplicate and copies of signed documents are required. The information statement must be kept for four years after completion or termination.
Federal law allows cancellation without penalty or obligation before midnight of the third business day after signing. Washington's rights statement and detachable notice provide cancellation before midnight of the fifth working day after signing. Washington's signature-adjacent sentence instead says fifth day after the date of the transaction; completed documents must preserve the required statutory wording and give a clear deadline. Receipt of money is not the trigger for extending the Washington cancellation deadline. CREDESSES's launch policy is to wait through the applicable cancellation window before beginning contracted credit repair work.
To cancel a CREDESSES service agreement, send a written notice stating that you cancel to adminsupport@credesses.com, or mail or deliver it to the business address supplied in your completed contract. Include your name and the agreement date so we can identify it; do not include a Social Security number, account number, password, or credit report. You may use your cancellation form, but Washington law does not require the sample form. Send notice by the deadline in your completed documents. A qualifying Washington cancellation carries no penalty or obligation; any payment made must be returned within ten days following receipt of notice. Statutory rights are not waived by using this website.
The proposed personal plan is $249 one-time plus $59.99 monthly; the proposed Business Credit Blueprint is $500 one-time. These are proposals for review, not authorization to collect payment. CROA prohibits charging or receiving payment before the agreed service is fully performed. A setup fee, membership name, monthly schedule, or business-credit label does not remove this restriction. Washington has a limited advance-payment exception requiring both a $10,000 surety bond and a qualifying trust account; it does not override CROA or other federal restrictions. No regulated charge is enabled by this page.
When the Telemarketing Sales Rule applies to credit repair, a seller may not even request payment until the represented time for all services has expired and the consumer has received a consumer report demonstrating promised results, issued more than six months after those results were achieved. Certain inbound calls responding to credit repair advertisements are covered too. Completing a monthly task is not enough to satisfy this rule. Telephone sales and lead-transfer arrangements need separate review before use.
You can dispute inaccurate or incomplete report information yourself for free. Neither you nor a credit repair company has the right to remove accurate, current, verifiable information simply because it is unfavorable. Disputes must have a good-faith factual basis; we will not advise false disputes or identity changes to hide accurate adverse information. Washington requires prior written authorization before communications to reporting agencies, creditors, collection agencies, or regulators, explicit written approval for signature use, consumer access to sent communications, and monthly statements describing services and providing applicable accounting and letter copies.
An entity-only business profile may differ from personal credit repair, but calling a service Business Blueprint, consulting, education, or capital readiness does not establish a legal exemption. Personal report work, sole proprietors, personal guarantees, actual marketing, and service scope need review. No score increase, deletion, credit approval, funding amount, or business result is guaranteed. Platform readiness labels are internal planning indicators, not credit scores or lender decisions. Customers outside Washington require review of their state's requirements before regulated services are offered.
AI assistance produces drafts only, not legal advice, signed disclosures, dispute submissions, or payment approval. Human review and applicable consumer authorization are required before any material action. Electronic delivery and signatures must meet applicable consent and record-access requirements; a checkbox or viewing this page alone does not establish compliance. Do not put sensitive identifiers, credentials, or private financial documents in the assistant or ordinary email. See our Privacy Policy for data handling and privacy choices; no blanket encryption guarantee is made here.
Website terms · Privacy policy · Send a cancellation notice · Washington Attorney General complaint portal
TSR inbound-call exceptions. The federal statutory text linked above is the official 2024 Code edition; Washington and eCFR links provide current online text. Required documents and launch eligibility still need counsel review.
