Terms of Service

The service. Fairline Credit is a credit repair organization, regulated under the federal Credit Repair Organizations Act (CROA), that helps clients dispute inaccurate, incomplete, or unverifiable information on their credit reports. We offer two tiers: Fairline DIY ($49.99/month), where you review, approve, and mail your own dispute letters, and Fairline Mail ($89/month), where we print and mail approved letters on your behalf. Both tiers are billed in arrears, monthly, for service already performed.

Your disputes, your choice. You choose which items on your credit report to dispute, and you approve every dispute letter before it is sent. Fairline does not guarantee that any item will be removed, corrected, or updated, and does not guarantee any specific credit score outcome. Credit bureaus and furnishers are legally required to investigate disputes, but the outcome of that investigation is theirs to determine, not ours.

Required disclosures under CROA. Fairline Credit does not, and will not, request or receive payment for services until those services have been fully performed — our billing-in-arrears model reflects this. You have the right to cancel your contract with Fairline, for any reason, within 3 business days of the date you sign it, without penalty or obligation. A written contract describing the services to be performed, the timeline for performance, and the total charges is provided to you at signup. See your CROA rights for the full statutory notice.

Cancellation. You may cancel your Fairline account at any time. Cancellation stops future billing as of your next billing cycle; it does not retroactively refund fees already billed for service already performed. Dispute letters already mailed on your behalf remain in process with the recipient bureau or furnisher independent of your Fairline account status.

Limitation of liability. Fairline Credit is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Fairline and its officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to lost income, lost credit opportunities, or third-party actions taken by credit bureaus, furnishers, or collectors in response to a dispute. Our total liability for any claim arising from these Terms is limited to the fees you paid Fairline in the 3 months preceding the claim.

Governing law. These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law provisions.

Questions about these Terms: legal@fairlinecredit.com.