Queen City Credit Clinic
Queen City Credit Clinic LLC
Welcome to Queen City Credit Clinic LLC (“Queen City Credit Clinic,” “we,” “us,” or “our”). These Terms & Conditions explain the rules for using our website and accessing information about our services.
By using this website, you agree to these website terms. Purchasing credit repair services requires a separate written client agreement. Visiting this website does not enroll you in a paid service.
Queen City Credit Clinic provides credit education, credit report review, and assistance with disputing information you identify as inaccurate, incomplete, or unverifiable, as described in your signed client agreement.
Depending on your service plan, our work may include:
Reviewing credit reports and supporting documents.
Preparing authorized disputes for credit bureaus, creditors, or collection agencies.
Reviewing responses and updated credit reports.
Providing educational information about credit management.
Updating your client portal and communicating about your account.
Your signed agreement identifies the services included in your enrollment.
Every credit profile is different. We do not guarantee a particular credit score, deletion, financing approval, interest rate, or completion date.
Accurate, current, and verifiable negative information cannot legally be removed simply because it is unfavorable. Credit decisions are made independently by lenders and other providers.
You may dispute credit reporting errors directly with the credit bureaus without paying a credit repair company.
To help us provide services efficiently, you agree to:
Supply truthful, accurate, and complete information.
Submit requested documents through the designated secure process.
Review and respond to account communications promptly.
Forward relevant correspondence from credit bureaus, creditors, and collectors.
Maintain access to any credit monitoring service required by your signed agreement.
Notify us when monitoring access or relevant account information changes.
Missing documents or unavailable credit reports may delay work on your account. Do not submit false disputes or misrepresent your identity or credit history.
Service descriptions, fees, and payment terms will be provided in your written client agreement. Charges and collections must comply with applicable law.
Any refund eligibility will be determined by applicable law and the terms of your signed agreement. These website terms do not create a separate money-back guarantee.
For billing questions, please contact us so we can review your concern. Contacting us does not limit your right to dispute a charge, submit a complaint, or exercise other legal rights.
You may cancel your credit repair contract without penalty or obligation before midnight of the third business day after signing. Additional cancellation rights may apply under your agreement or applicable law.
Follow the instructions in the cancellation notice supplied with your contract, including the correct mailing or delivery address. This website summary does not replace that notice.
After the initial cancellation period, requests to end services will be handled according to your signed agreement and applicable law. Ending services does not eliminate any refund or other rights provided by law.
We use personal information to respond to inquiries, administer accounts, provide authorized services, and meet applicable legal obligations. Our Privacy Policy explains our information practices in greater detail.
We may share information with service providers as reasonably necessary to operate our business and provide authorized services, subject to applicable privacy requirements.
SMS consent and phone numbers collected for text messaging will not be sold or shared with third parties or affiliates for their marketing purposes.
When you provide the required consent, Queen City Credit Clinic may send account notifications, service updates, or marketing messages by text or email.
Message frequency varies.
Message and data rates may apply.
Reply STOP to unsubscribe from text messages.
Reply HELP for assistance, or call 980-890-5600.
Use the unsubscribe link in marketing emails to stop receiving promotional emails.
Consent to marketing messages is not a condition of purchasing services.
Opting out of marketing does not cancel your service agreement. Necessary account communications may continue through other permitted channels.
Our website may link to credit monitoring services, credit-building products, lenders, or other independent providers.
Those providers establish their own eligibility requirements, fees, privacy practices, and terms. A link does not guarantee approval or a particular result.
Queen City Credit Clinic may receive compensation or referral rewards through certain links, as disclosed where applicable.
You agree not to misuse this website, attempt unauthorized access, interfere with its operation, or submit fraudulent or unlawful material.
Website text, branding, and original materials belonging to Queen City Credit Clinic may not be reproduced for commercial purposes without permission. Third-party names and trademarks remain the property of their respective owners.
We aim to keep website information accurate and current, but content may contain errors or become outdated. Third-party offers may change without notice.
Website content is provided for general educational purposes and does not replace advice tailored to your circumstances. Website access may occasionally be interrupted for maintenance or technical reasons.
Responsibility for any claim will be determined by applicable law and any valid provisions of your signed agreement.
Nothing in these terms excludes liability that cannot legally be excluded or requires you to waive rights or protections under applicable consumer protection laws.
Please contact Queen City Credit Clinic with questions or concerns about our website or services.
We welcome the opportunity to review and address concerns directly. Doing so is not a prerequisite to exercising your legal rights.
These website terms do not independently require binding arbitration or waive your right to seek relief through a court or government agency.
These website terms are governed by applicable federal law and North Carolina law, subject to any mandatory protections available under other applicable state laws.
Your signed client agreement governs the specific services you purchase. These website terms do not replace that agreement, required disclosures, or cancellation notices. Applicable law controls if any provision conflicts with a legal requirement.
We may update these website terms periodically. Changes will be posted on this page with an updated effective date and will apply prospectively, subject to applicable law.
Changes to these website terms do not automatically modify an existing signed client agreement.
Queen City Credit Clinic LLC
Phone: 980-890-5600
Email: info@queencitycreditclinic.com
Website: QueenCityCreditClinic.com
Ready for a clearer next step?