Terms and Conditions

Terms and Conditions

Effective Date: July 24, 2026

These Terms and Conditions govern your use of the Qulia Fix My Credit website and services. By accessing this website, scheduling a consultation, purchasing a service, or entering into a service agreement, you acknowledge that you have read and accepted these terms.

1. Credit-Related Services

Qulia Fix My Credit provides credit education, credit-report review, document preparation, dispute assistance, and related administrative support. We may assist clients with challenging information believed to be inaccurate, incomplete, outdated, misleading, or unverifiable.

We do not provide legal, tax, lending, accounting, or financial-planning advice.

2. No Guaranteed Results

Credit outcomes vary by client. We do not guarantee:

• The removal of any account or negative item
• A specific credit-score increase
• Approval for housing, loans, credit cards, vehicles, or funding
• Completion within a specific timeframe
• A particular response from a credit bureau, creditor, lender, or collector

Accurate and timely negative information generally cannot legally be removed simply because it negatively affects a credit score. 

3. Client Responsibilities

Clients agree to provide complete, accurate, and truthful information. Clients must review correspondence, submit requested documentation, maintain access to their credit reports, and respond to requests within the applicable timeframe.

Clients may not submit altered, fraudulent, or misleading documents.

4. Service Agreements and Payments

The specific services, pricing, payment terms, estimated performance period, and cancellation provisions will be identified in the client’s written service agreement.

Payment does not purchase or guarantee deletions, score increases, financing approval, or any particular outcome. Federal law restricts credit-repair organizations from collecting payment before promised services are completed. 

5. Right to Cancel

Clients may cancel a credit-repair contract without penalty or obligation before midnight of the third business day after signing it. The written client agreement should include the required cancellation notice and cancellation form. 

Additional cancellation or termination rights may be provided within the individual service agreement.

6. Consumer Rights

Clients have the right to dispute inaccurate credit-report information directly with the consumer reporting agencies without paying a credit-repair company. Qulia Fix My Credit does not restrict clients from contacting credit bureaus, creditors, collectors, government agencies, attorneys, or nonprofit counselors independently. 

7. Consultations

Consultations are provided for educational and informational purposes. A consultation does not guarantee acceptance as a client, credit-report changes, or any specific result.

8. Communication Authorization

By submitting your phone number or email address, you authorize Qulia Fix My Credit to contact you regarding appointments, services, account updates, document requests, and customer support.

Consent to receive marketing communications is not required to purchase services. You may opt out of nonessential communications at any time.

9. Website Information

We make reasonable efforts to maintain accurate website information. However, content may contain errors or become outdated. We may modify services, pricing, availability, website content, or these terms at any time, subject to existing written agreements and applicable law.

10. Third-Party Services

Our website may use third-party providers for payments, scheduling, communications, credit monitoring, website hosting, or other business operations. We are not responsible for the availability, security, policies, or actions of independently operated third-party platforms.

11. Intellectual Property

The Qulia Fix My Credit name, logo, website content, graphics, service materials, forms, and original educational resources may not be copied, reproduced, resold, distributed, or used commercially without written authorization.

12. Limitation of Liability

To the fullest extent permitted by law, Qulia Fix My Credit will not be liable for indirect, incidental, special, or consequential damages arising from website use, delayed responses, third-party actions, credit-report changes, financing decisions, or reliance on educational information.

Nothing in these terms waives rights or remedies that cannot legally be waived.

13. Privacy

Personal information is handled in accordance with our Privacy Policy. Clients should use only approved methods when submitting identification documents, credit reports, or other sensitive information.

14. Governing Law

These terms will be governed by applicable federal law and the laws of the State of Georgia, without limiting any nonwaivable consumer protections.

15. Changes to These Terms

We may update these Terms and Conditions periodically. The revised effective date will be posted at the top of this page. Updates will not replace the terms of an existing signed agreement unless permitted by law and agreed upon when required.

16. Contact Information

Qulia Fix My Credit
Website: quliafixmycredit.com
Phone: 678-353-7428