Terms of use and offer

Effective date: 01/09/2023, revised 05/09/2026. Company: Excalibur Credit Solutions Inc. (brand Excalibur Credit Solutions). Website: https://www.excalibur-credit.com/. Service obligations arise only after a written contract is signed.

1. General provisions

These Terms govern access to and use of the Excalibur Credit Solutions website and the general terms of service. By using our site, you agree to these Terms. Excalibur Credit Solutions Inc. (hereinafter Excalibur Credit Solutions) is a credit repair organization within the meaning of the Credit Repair Organizations Act (15 U.S.C. § 1679). Head office: 4605 Lankershim Blvd, North Hollywood, CA 91602. We work with clients in all states: disputes with the bureaus are conducted by mail, the contract and reports are handled online.

2. Description of services

Excalibur Credit Solutions provides consulting and analytical services in the field of credit information and consumer reports. The company is not a law firm and does not provide legal services.

• Credit repair: disputing inaccurate, unverified and outdated entries at Equifax, Experian and TransUnion, as well as ChexSystems, LexisNexis, Innovis and Experian RentBureau.
• Credit strategy and funding: a personal case review, an action plan, preparing the profile for a mortgage, auto loan, cards and business lines.
• Credit boost: adding authorized user credit lines that give the profile age and limits.
• Data theft protection: setting up monitoring, a fraud alert and a freeze, insurance through a partner service.
• Personal consultation: two hours of answers to any questions about credit history and financing in the US.

3. Free report review

The first step is always free and carries no obligations. You send your report or grant access through a monitoring service, and within 24 hours during business hours a manager tells you which entries have grounds for a dispute, which cannot be disputed and what we suggest doing next.

4. How the work goes

Timelines are set by law: the bureau has 30 days to verify each dispute (up to 45 if documents are added). The bureau's first response usually arrives in 30–45 days, a full case takes 1 to 6 months, and unnecessary inquiries are removed in about 2 weeks on average. Timeframes are averages from our experience and are not guaranteed: every case is different. Details in the article "Why credit history can't be repaired in a week".

5. Contract and payment

• Before any paid work begins, we sign a written contract with a full description of the services, timeline and price. No work starts without a contract.
• No hidden fees: the scope and price of services are fixed in the contract, and payment is made for specific services according to the contract.
• The price depends on the number of entries and bureaus and is fixed in the contract before work starts. The personal consultation costs $500 for two hours; credit lines are paid per the price list on the "Credit boost" page after the line's availability is confirmed.

6. Right to cancel

7. What we don't promise

• We do not guarantee removal of accurate, verified information: the law does not allow it.
• We do not promise a specific credit score, a specific score increase or bank approval. Results are individual and depend on the report and the bureaus' responses.
• You have the right to dispute any entry with the bureaus yourself, free of charge, without our help.
• We do not use CPN numbers, false identity theft claims or other methods outside the law.

8. Credit boost and consultation

An authorized user credit line is not a loan and not a disbursement of money. You receive authorized user status on an active account with history and a limit; the account history appears in your report after the next reporting cycle. We select lines by age and limit but do not guarantee a specific score increase. The line appears in the report after the card's next reporting date, generally no later than 60 days from the first reporting date, and stays for two reporting cycles (about two months); an extension is paid separately. If the line has not appeared in at least two of the three bureaus or has not stayed for two cycles, we refund the payment for that line or select a replacement. Adding a line requires a valid SSN, legal age and accurate personal details that match the report; a fraud alert and credit freeze must be lifted while the line is being added. You do not get access to the card, its number or funds; the line cannot be transferred to third parties. The two-hour consultation is a paid service ($500): the company's leadership answers all questions about credit history and financing and draws up an action plan; the consultation does not replace a contract and does not guarantee a result.

9. Third-party services and affiliate links

The site and guides contain links to third-party services: credit monitoring (SmartCredit, IdentityIQ, MyScoreIQ), banks, credit unions, insurers and other companies. We do not control their sites, terms or privacy policies and are not responsible for their decisions, products or content. You order your three-bureau report directly from the monitoring service and pay it, not us (usually about $1 for the trial period, then at the service's rate). Some links are affiliate links: if you sign up through them, we may receive a commission from the service. The cost to you does not change.

We do not sell the personal data of clients and site visitors — not to partners, not to anyone else. Learn more: Do Not Sell My Personal Information.

10. Refunds

If we have not fulfilled the obligations set out in the contract, you have the right to request a refund of the amount paid for the unperformed part of the work within 30 days from the date the obligation was due. The request is sent to the company's e-mail; we respond within 10 business days and refund the money by the same method the payment was made. The refund does not apply to services performed in full and does not depend on how the bureau or creditor decided on a specific entry: we are responsible for performing the work, not for the outcome of the bureau's investigation.

11. User rights and obligations

The user agrees to:

• provide accurate information and genuine documents;
• not use the site and services for unlawful purposes;
• not violate the rights of other users;
• comply with applicable law.

12. Intellectual property

All materials on the site, including texts, articles, guides, graphics, logos and design, are the property of Excalibur Credit Solutions and are protected by copyright law. Partner service logos belong to their owners.

13. Limitation of liability

Information on the site, in articles and in the simulator is provided "as is", is for reference only and is not a bank offer or a guarantee of approval. Excalibur Credit Solutions is not liable for losses arising from the use of or inability to use the site. Liability under the contract is limited to the amount paid for services.

14. Changes to the terms

Excalibur Credit Solutions reserves the right to change these Terms. The current version with the revision date is always available on this page; the terms of a signed contract change only by agreement of the parties.

15. Governing law

These Terms are governed by the laws of the United States of America and the State of California, including the Credit Repair Organizations Act and the Fair Credit Reporting Act. Disputes are resolved by negotiation and, failing agreement, in the courts of Los Angeles County.

16. Contact information