Grace Credit Systems Inc.
Please read these terms carefully before using our credit repair services.
Last updated: August 28, 2026
By accessing or using the services provided by Grace Credit Systems Inc. ("we," "us," "our," or "the Company"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.
These terms apply to all visitors, clients, and others who access or use our services.
Grace Credit Systems Inc. provides credit report review, dispute assistance, and educational resources intended to help clients work toward improving the accuracy of their credit reports.
We act on your behalf to communicate with consumer reporting agencies and creditors regarding inaccurate, incomplete, or unverifiable items on your credit report. We do not guarantee the removal of any specific item or any particular increase in your credit score.
You must be at least 18 years of age and a legal resident of the United States to enroll in our services. By enrolling, you represent and warrant that you meet these requirements and that the information you provide to us is accurate and complete.
In accordance with the federal Credit Repair Organizations Act, we do not charge any fees before the agreed-upon services have been fully performed. You have the right to cancel this contract without penalty or obligation within three (3) business days from the date you sign it.
We do not make any false or misleading claims about our services or the results we can achieve, and we will not advise you to make false statements about your credit history.
Our fee schedule will be provided to you in writing before you enroll. All fees are due only after the corresponding services have been rendered, as required by federal law.
You may cancel your service at any time. Cancellations must be submitted in writing. We reserve the right to suspend or terminate services if payment is not received in accordance with our fee schedule.
To allow us to perform our services effectively, you agree to: (a) provide accurate and complete information about your identity and credit history; (b) forward all correspondence from credit bureaus, creditors, and collection agencies to us promptly; (c) respond to our requests for information in a timely manner; and (d) refrain from applying for new credit or taking actions that may negatively impact your credit report while enrolled without first consulting us.
Failure to meet these responsibilities may limit our ability to assist you and may affect the outcome of our services.
Every credit situation is unique. While many clients see improvements to their credit reports, we cannot guarantee the deletion of any specific item or any particular change to your credit score. Results depend on factors outside of our control, including the responses of credit bureaus and creditors.
Either party may terminate this agreement at any time. You may cancel within three (3) business days of signing for a full refund of any fees paid, as provided by federal law. After the cancellation period, fees for services already performed remain non-refundable.
We reserve the right to terminate services immediately if you breach these Terms, provide false information, or engage in fraudulent activity.
To the maximum extent permitted by law, Grace Credit Systems shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability for any claim arising from these terms shall not exceed the total amount you have paid us for services in the twelve (12) months preceding the claim.
We take the protection of your personal information seriously. We collect, use, and store your data solely for the purpose of providing our services. We will not sell your personal information to third parties. Our full practices are described in our Privacy Policy, which is incorporated into these Terms by reference.
We may update these Terms and Conditions from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review these terms periodically. Continued use of our services after any changes constitutes acceptance of the updated terms.
These Terms shall be governed by and construed in accordance with the laws of the State in which the Company is registered, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
If you have any questions about these Terms and Conditions or our services, please contact us at:
Grace Credit Systems Email: [email protected]