Terms of Service

Last updated: November 11, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of www.metacreditusa.com and the services and communications of MetaCredit USA LLC ("MetaCredit," "we," "us"). By using this website, booking a consultation, engaging our services, or opting in to receive messages from us, you agree to these Terms. If you do not agree, please do not use this website or our services. MetaCredit USA LLC is affiliated with The California Group LLC.

2. Description of Services

MetaCredit provides credit counseling, consumer education and consumer advocacy services. Our services include:

• Credit report analysis and review
• Help disputing inaccurate information with credit reporting agencies (CRAs) on the client's behalf
• Credit improvement strategy and guidance
• Help documenting and pursuing consumer claims under the FCRA and FDCPA, including through consumer arbitration
• Ongoing monitoring and reporting

Important: MetaCredit is not a law firm, does not provide legal advice, and does not provide legal representation. James Wilhite is not an attorney at law. Information on this website is educational only. MetaCredit does not guarantee specific results. Outcomes depend on individual circumstances, credit history, and how CRAs, creditors and collectors respond. Results vary by client.

3. Consumer Protection Law Compliance

MetaCredit follows the Fair Credit Reporting Act (FCRA) and all applicable state and federal consumer protection laws. You acknowledge that:

• MetaCredit will not make false statements or misrepresent your credit information
• MetaCredit will not engage in any illegal or unethical practices
• You have the right to dispute inaccurate information in your credit report directly with the CRAs at no cost
• CRAs are generally required to investigate disputes within 30 days
• Accurate, timely information may lawfully remain on your credit report, and there is no secret method to remove it

4. Client Responsibilities

By engaging MetaCredit services, you agree to:

• Provide accurate and complete information about your credit situation
• Respond promptly to requests for information or documentation
• Keep your account information current and accurate
• Maintain confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Not engage in any fraudulent or deceptive practices

5. Payment Terms

Service fees are clearly stated at the time of engagement and set out in your written service agreement.

• Payment is due as outlined in your service agreement
• We accept payment via credit card, debit card, and bank transfer
• All payments are non-refundable once services have been initiated, except as provided in Section 6
• Late payments may result in service suspension

6. Refund Policy

MetaCredit offers a 30-day money-back guarantee if you are not satisfied with our services. To request a refund:

• Refund requests must be submitted in writing within 30 days of service initiation
• Refunds are only available if services have not been substantially initiated
• Once disputes have been filed with CRAs or substantial work has been completed, refunds are not available
• Refunds will be processed within 10-15 business days

7. Limitation of Liability

MetaCredit provides services on an "as is" basis. We do not warrant that:

• Services will achieve any specific credit score improvement
• All negative items will be removed from your credit report
• CRAs will respond favorably to disputes
• Lenders will approve credit applications after using our services

To the fullest extent permitted by law, MetaCredit shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from the use of, or inability to use, our website or services.

8. Confidentiality and Data Security

MetaCredit takes your privacy seriously and commits to protecting the personal and financial information you provide, using industry-standard security measures, not sharing your information with third parties without consent except as required by law or to provide services you request, and keeping records in secure, confidential files. For details, see our Privacy Policy.

9. Cancellation and Termination

Client cancellation: You may cancel your service agreement at any time by providing written notice to MetaCredit. Refunds are subject to Section 6.

MetaCredit termination: MetaCredit may terminate services if a client:

• Engages in fraudulent or illegal activity
• Fails to pay for services as agreed
• Requests services that violate laws or regulations
• Becomes unresponsive for 60 or more days

If we terminate, we will provide 10 days written notice and a final account statement.

10. Communications

By providing your contact information, you consent to MetaCredit contacting you by email, phone, portal messaging and, only if you have opted in, text message (SMS). Text messaging terms are below.

11. SMS / Text Messaging Terms

Program: MetaCredit USA LLC customer care messages. If you opt in, we send text messages about your inquiry, consultation bookings, appointment confirmations and reminders, and updates about services you have requested.

• How to opt in: by providing your mobile number in our website chat or booking forms after seeing our text message notice, or by texting us first.
• Message frequency varies based on your inquiry and appointments.
• Message and data rates may apply.
• Opt out: reply STOP at any time to stop receiving messages. You will receive one confirmation message and no further messages unless you opt in again.
• Help: reply HELP for help, or contact us at 205-719-4227 or [email protected].
• Consent to receive text messages is not a condition of any purchase.
• Carriers are not liable for delayed or undelivered messages.
• We do not sell, rent or share your mobile number or text messaging consent with third parties or affiliates for their marketing or promotional purposes.

12. Intellectual Property

All content on the MetaCredit website and in our materials, including text, graphics, logos and software, is the property of MetaCredit or its content suppliers and is protected by copyright laws. You may not reproduce, distribute or transmit any content without our prior written permission.

13. Dispute Resolution

Any dispute arising from these Terms or our services will be resolved first through good-faith negotiation between you and MetaCredit. If unresolved, the dispute will be resolved by binding arbitration under the rules of the American Arbitration Association. Arbitration will take place in Arizona and be governed by Arizona law. You agree to waive any right to a jury trial.

14. Governing Law

These Terms are governed by the laws of the State of Arizona, and you submit to the exclusive jurisdiction of the courts located in Arizona for any matter not subject to arbitration.

15. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.

16. Changes to These Terms

We may update these Terms from time to time. The date at the top shows when they were last updated.

17. Entire Agreement

These Terms, together with our Privacy Policy and any written service agreement, are the entire agreement between you and MetaCredit regarding use of our website and services. If these Terms conflict with your written service agreement, the service agreement controls.

18. Contact Us

MetaCredit USA LLC
130 E. Congress St. Suite 111, Tucson, AZ 85701
Phone: 205-719-4227
Email: [email protected]