Terms of Service

Last updated: October 19, 2026

These Terms of Service (“Terms”) apply to your use of thecreditfirm.net and to the text messaging program operated by The Credit Firm LLC (“The Credit Firm,” “we,” “us,” or “our”). By using our website or opting in to our text messages, you agree to these Terms.

Use of our website

The information on this website is provided for general informational purposes and may change without notice. Credit repair results vary from client to client and are not guaranteed. You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. You agree not to misuse the website, interfere with its operation, or use it for any unlawful purpose.

Text messaging (SMS) terms

Program description. The Credit Firm sends text messages to clients and prospective clients who opt in through our website, website chat or in person. Non-marketing messages may include appointment reminders, onboarding and account updates, document requests, and progress updates on your credit repair services. If you also opt in to marketing messages, you may receive messages about special offers, discounts and service updates. Consent is not a condition of purchase.

Opting out. You can cancel the SMS service at any time. Just text “STOP” to (901) 660-4424. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

Re-subscribing. If you want to join again, just sign up as you did the first time or text “START” to (901) 660-4424, and we will start sending SMS messages to you again.

Help. If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly by calling (901) 660-4424 or emailing hello@thecreditfirm.net.

Carriers are not liable for delayed or undelivered messages.

Message frequency and rates. You will receive a varying number of messages; message frequency varies based on your interactions with us. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Privacy. If you have any questions regarding privacy, please read our privacy policy: https://thecreditfirm.net/privacy-policy/

Intellectual property

All content on this website, including text, graphics, logos and images, is owned by The Credit Firm or its licensors and may not be copied or used without permission.

Third-party links

Our website may link to websites we do not control. We are not responsible for their content or practices.

Disclaimer and limitation of liability

This website is provided “as is” without warranties of any kind. To the fullest extent permitted by law, The Credit Firm is not liable for any indirect, incidental or consequential damages arising from your use of the website or our text messaging program.

Governing law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict of law rules.

Changes to these Terms

We may update these Terms from time to time. The “Last updated” date above shows when they were last changed. Continued use of the website or our text messages after a change means you accept the updated Terms.

Contact us

The Credit Firm LLC
5321 Pleasant View Road, Memphis, TN 38134
Phone / text: (901) 660-4424
Email: hello@thecreditfirm.net
Website: thecreditfirm.net