CROA Disclosure: You have the right to dispute inaccurate information directly with credit bureaus at no cost. You are not required to use TrustScore Credit Repair. You may cancel within 3 business days. We do not guarantee specific results. | Full Disclaimers | Terms | Privacy

TrustScore Credit Repair
TrustScoreCredit Repair

Terms of Service

These Terms govern your use of TrustScore Credit Repair services. Please read them carefully along with the required CROA disclosures below.

Effective Date: February 9, 2026 · Last Updated: February 9, 2026

REQUIRED DISCLOSURE — CREDIT REPAIR ORGANIZATIONS ACT (CROA)

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, you are not required to purchase any service from TrustScore Credit Repair to dispute such information. You may do so on your own, at no charge, by contacting any of the three national credit bureaus:

Experian

P.O. Box 4500
Allen, TX 75013
1-888-397-3742
experian.com

Equifax

P.O. Box 740256
Atlanta, GA 30374
1-800-685-1111
equifax.com

TransUnion

P.O. Box 2000
Chester, PA 19016
1-800-916-8800
transunion.com

Under the Fair Credit Reporting Act (FCRA), credit bureaus are required to investigate items in question — usually within 30 days — free of charge. If reinvestigation does not resolve the dispute to your satisfaction, you may add a brief statement to your credit report. The credit bureau must include or provide a summary of your statement to anyone who requests your report.

Under the FCRA, the consumer reporting agency must correct or delete inaccurate, incomplete, or unverifiable information in your report — usually within 30 days. There is no charge for this service.

Under the CROA, a credit repair organization (such as TrustScore Credit Repair):

  • Cannot require you to pay until the services have been fully performed
  • Cannot make false or misleading claims about its services
  • Cannot advise you to make false statements to a credit bureau or alter your identity (including your Social Security number) to change your credit history
  • Must provide you a written contract that specifies your rights and obligations, the services to be performed, the total cost, and time estimates
  • Must inform you of your right to cancel within three (3) business days without charge

YOUR RIGHT TO CANCEL: You may cancel your contract with TrustScore Credit Repair without any penalty or obligation within three (3) business days from the date on which you signed the contract. To cancel, notify us in writing at: TrustScore Credit Repair, 1342 NM 333, Tijeras, NM 87059, or by email at cancel@trustscore.com.

If you have any questions regarding this disclosure or the Credit Repair Organizations Act, you may contact the Federal Trade Commission (FTC) at: Federal Trade Commission, Washington, D.C. 20580, or online at www.ftc.gov.

SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA)

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key rights include:

  • Right to a Free Credit Report: You are entitled to a free credit report every 12 months from each of the three nationwide credit reporting agencies. Request yours at AnnualCreditReport.com or call 1-877-322-8228.
  • Right to Dispute: You have the right to dispute incomplete or inaccurate information. The consumer reporting agency must investigate within 30 days (unless your dispute is frivolous).
  • Right to Accurate Reporting: Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information — typically within 30 days.
  • Right to Know: You must be told if information in your file has been used against you (e.g., a denied credit application).
  • Right to Know Who Accessed Your Report: Anyone who accesses your report must have a permissible purpose (employment, credit, insurance, etc.).
  • Right to Seek Damages: You may sue a consumer reporting agency or information furnisher in state or federal court for violations of the FCRA.
  • Right to Limit Prescreened Offers: You may opt out of prescreened credit and insurance offers by calling 1-888-5-OPT-OUT (1-888-567-8688) or visiting optoutprescreen.com.
  • Right to Fraud Alerts and Credit Freezes: If you are or may become a victim of identity theft, you may place a fraud alert or security freeze on your file at no charge.
  • Negative Information Limits: In most cases, negative information must be removed after 7 years. Bankruptcies may remain for up to 10 years.

For the full text of the FCRA, visit consumer.ftc.gov or contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

1. Acceptance of Terms

By accessing or using the TrustScore Credit Repair website (trustsscore.com) and services, you agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and any applicable federal and state laws. If you do not agree, do not use our services.

2. Eligibility

  • You must be at least 18 years old
  • You must be a legal resident of the United States
  • You must provide accurate, current, and complete information
  • You must have the legal capacity to enter into a binding agreement

3. Description of Services

TrustScore Credit Repair provides credit repair services including but not limited to: credit report analysis, dispute letter preparation and submission, creditor intervention, debt validation requests, goodwill negotiation, credit building guidance, and identity theft recovery assistance.

IMPORTANT NOTICE:

TrustScore Credit Repair is a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. Section 1679. We do not guarantee specific credit score increases. Results vary based on the individual's credit history, the nature and accuracy of negative items, and the response of credit bureaus and creditors. Any statistics cited (e.g., “42-point average increase”) are historical averages and are not a guarantee of your individual results.

4. Fees and Payment

  • No Upfront Fees: Per CROA requirements, we do not charge fees before services are performed
  • Monthly Billing: Fees are billed monthly for services performed in the prior billing cycle
  • Current Plans: Essential ($79/mo), Aggressive ($129/mo), Total Recovery ($179/mo)
  • Free Services: Initial credit analysis and consultation are free with no obligation
  • Payment Methods: Visa, Mastercard, American Express, Discover, ACH bank transfer
  • Late Payments: Accounts past due by 30+ days may result in service suspension

5. Cancellation and Refund Policy

Your Right to Cancel (CROA Section 1679e):

  • You may cancel within three (3) business days of signing your service agreement with no charge
  • After the 3-day period, you may cancel at any time — no cancellation fees
  • Upon cancellation, you retain access to your account through the end of the current billing period
  • Refund requests must be submitted within 30 days of the charge
  • 90-Day Money-Back Guarantee: If we fail to remove at least one negative item from your credit reports within 90 days of active dispute, you are entitled to a full refund of all fees paid

To cancel: Email cancel@trustscore.com, call 1-800-TRUST-99, or mail written notice to: TrustScore Credit Repair, 1342 NM 333, Tijeras, NM 87059.

6. Your Obligations

  • Provide accurate and truthful information at all times
  • Promptly provide requested documentation (e.g., ID verification, credit reports)
  • Review and respond to dispute results and updates in a timely manner
  • Do not misrepresent your identity, credit history, or any material fact
  • Comply with all applicable laws and regulations
  • Maintain confidentiality of your account credentials

7. Prohibited Conduct

You agree not to:

  • Use false or misleading information in any dispute or communication
  • Attempt to alter or fabricate your identity, Social Security number, or credit file number
  • Use our services for any unlawful purpose
  • Interfere with the operation of our website or services
  • Resell or redistribute our services without authorization

8. Disclaimers and Limitations

  • No Guarantee of Results: We do not and cannot guarantee specific credit score increases or the removal of specific items. Results depend on individual circumstances, credit bureau responses, and creditor actions.
  • Not Legal Advice: Our services do not constitute legal advice. For legal guidance, consult a licensed attorney.
  • Not a Lender: TrustScore Credit Repair is not a lender, bank, or financial institution. We do not make credit decisions or offer loans.
  • Third-Party Actions: We cannot control the actions of credit bureaus, creditors, or collection agencies. We can only submit disputes and follow up on your behalf.
  • Testimonials: Client testimonials and case studies represent individual experiences and are not guarantees of future results. Your results may vary.
  • Statistical Claims: Statistics cited on our website (e.g., “42-point average increase,” “84% removal rate”) are based on historical client data and are not guarantees of your individual outcome.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRUSTSCORE CREDIT REPAIR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER LEGAL THEORY. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR OUR SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Dispute Resolution

  • Informal Resolution: We encourage you to contact us first to resolve any dispute. Email disputes@trustscore.com
  • Mediation: If informal resolution fails, we agree to participate in mediation before a mutually agreed-upon mediator
  • Arbitration: Any unresolved dispute shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA) in Bernalillo County, New Mexico
  • Class Action Waiver: To the extent permitted by law, you agree to resolve disputes individually and not as part of a class, collective, or representative action
  • Preservation of Rights: Nothing in this section limits your right to file complaints with the FTC, CFPB, or your state attorney general

11. Intellectual Property

All content on trustsscore.com — including text, graphics, logos, images, software, and compilations — is the property of TrustScore, LLC and is protected by U.S. and international copyright, trademark, and intellectual property laws. The TrustScore name, logos, and branding are registered trademarks. You may not reproduce, distribute, or create derivative works without our prior written consent.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Mexico and applicable federal laws, including the FCRA (15 U.S.C. Section 1681 et seq.), CROA (15 U.S.C. Section 1679 et seq.), FDCPA (15 U.S.C. Section 1692 et seq.), and FCBA (15 U.S.C. Section 1666 et seq.), without regard to conflict-of-law principles.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

14. Contact Information

TrustScore Credit Repair

A division of TrustScore, LLC

1342 NM 333, Tijeras, NM 87059

General: support@trustscore.com

Cancellations: cancel@trustscore.com

Disputes: disputes@trustscore.com

Phone: 1-800-TRUST-99

Regulatory Contacts:

  • Federal Trade Commission (FTC): 600 Pennsylvania Avenue NW, Washington, DC 20580 | ftc.gov | 1-877-FTC-HELP
  • Consumer Financial Protection Bureau (CFPB): 1700 G Street NW, Washington, DC 20552 | consumerfinance.gov | 1-855-411-CFPB
  • New Mexico Attorney General: 408 Galisteo Street, Santa Fe, NM 87501 | nmag.gov | 1-844-255-9210
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