Terms of Service

By requesting a consultation, enrolling in, or otherwise using services provided by Monarch Credit Repair ("Monarch," "we," "us"), you agree to these Terms of Service. If you do not agree, do not use our services.

Monarch reviews your credit reports and disputes items that are inaccurate, unverifiable, or outdated with the applicable credit bureaus and creditors on your behalf, using our case-management partner, Credit Repair Cloud.

We cannot guarantee that any specific item will be removed or corrected on your credit report, or that your credit score will improve by any particular amount or within any particular time frame. Results depend on the accuracy of the information disputed and the response of the credit bureaus and creditors involved.

As required by the Credit Repair Organizations Act, you have the right to cancel your contract with us, without penalty or obligation, at any time before midnight of the third business day after the date you sign it. See our Credit Repair Disclosures page for full details and cancellation instructions.

By law, we cannot request or receive payment for our services until they have been fully performed. Fee amounts and payment terms are set out in your separate written enrollment agreement. [Insert accurate current fee/payment-timing language before publishing.]

You agree to provide accurate and complete information, including personal and credit-related information, and to notify us promptly of any changes. Providing false information may delay or prevent us from disputing items on your behalf.

You have the right to dispute inaccurate information in your credit report directly with the credit bureaus yourself, free of charge, without using a credit repair organization.

To the fullest extent permitted by law, Monarch is not liable for indirect, incidental, or consequential damages arising from your use of our services. [This section requires legal review — enforceability of liability limitations varies by state and by statute, and CROA restricts certain waivers of consumer rights.]

Either party may terminate services as described in your enrollment agreement. Your statutory right to cancel under Section 4 applies regardless of any other termination terms.

[Insert governing state law and venue before publishing.]

We may update these terms from time to time. Material changes will be posted on this page with an updated effective date.

Questions about these terms can be directed to [insert business contact email/address/phone before publishing].