Last Updated: February 11, 2026
1. AGREEMENT TO TERMS
By accessing the website https://brotherscreditrepair.online/ (the “Site”) or enrolling in the services offered by Brothers Credit Repair (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms and Conditions. If you do not agree with all of these terms, you are expressly prohibited from using the Site or our services and must discontinue use immediately.
2. ELIGIBILITY
You must be at least 18 years of age and a legal resident of the United States to use our services. By using this Site, you represent and warrant that you meet these eligibility requirements.
3. DESCRIPTION OF SERVICES
Brothers Credit Repair provides professional assistance in disputing inaccurate, misleading, or unverifiable information contained in your credit reports. Our services include:
- Analysis of credit reports from major bureaus (Equifax, Experian, and TransUnion).
- Preparation and submission of dispute letters to bureaus and creditors.
- Ongoing consultation regarding credit building and financial management.
Disclaimer: Brothers Credit Repair is not a law firm and does not provide legal or tax advice. We do not guarantee the permanent removal of accurate information or a specific increase in your credit score.
4. COMPLIANCE WITH THE CREDIT REPAIR ORGANIZATIONS ACT (CROA)
In accordance with federal law (15 U.S.C. § 1679):
- No Upfront Fees: We do not charge or receive any money until the service has been fully performed.
- Written Contract: You will be provided with a written contract detailing the services to be performed and the estimated time for completion.
- Right to Cancel: You have the right to cancel your contract with us, without any penalty or obligation, at any time before midnight of the third business day after the date the contract is signed.
5. CLIENT RESPONSIBILITIES
To ensure the effectiveness of our services, you agree to:
- Provide accurate and truthful information regarding your identity and financial history.
- Maintain a dedicated credit monitoring service throughout the duration of the program.
- Forward all correspondence received from credit bureaus or creditors to the Company within five (5) business days.
- Refrain from applying for new credit lines or making large purchases that could negatively impact your credit during the repair process.
6. FEES AND PAYMENT
- Service Fees: Fees are billed in arrears, meaning you only pay after work has been performed.
- Payment Authorization: By providing your payment information, you authorize the Company to charge the agreed-upon fees to your credit card or bank account.
- Late Payments: Failure to pay for services rendered may result in a temporary suspension or permanent termination of your account.
7. NO GUARANTEES
You acknowledge that credit repair is a process involving third parties (bureaus and creditors). Therefore:
- We cannot guarantee that any specific item will be removed from your credit report.
- We cannot guarantee a specific FICO score or credit rating outcome.
- Individual results vary based on the complexity of the credit history.
8. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Site and all content therein (software, website design, audio, video, text, and graphics) are our proprietary property and are protected by copyright and trademark laws. You are granted a limited license to access the Site for personal, non-commercial use only.
9. LIMITATION OF LIABILITY
In no event will Brothers Credit Repair, its directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, or incidental damages, including lost profits or lost data, arising from your use of the Site or our services.
10. INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless from and against any loss, damage, liability, or claim (including reasonable attorneys’ fees) made by any third party due to or arising out of: (1) your use of our services; (2) breach of these Terms and Conditions; or (3) your violation of the rights of a third party.
11. GOVERNING LAW
These Terms and Conditions and your use of the Site are 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 principles.
12. TERMINATION
We reserve the right to terminate your service at any time for any reason, including but not limited to, failure to provide necessary documentation or failure to pay for services rendered. You may also terminate your service as specified in your individual Service Agreement.