Terms of service

  • Booking your consultation is the starting place! We will assess your need, and financial situation, and create a recommendation plan for you. Once you complete this step, you may enroll in services!
  • While enrolled as a client in our program, you will be required to keep the credit monitoring system that we use actively the entire time you are in any of our programs. This is an additional cost of $29.95 a month. We need to be able to see all 3 reports in detail. This acts as our eyes and ears when communicating with the credit bureaus, as well as updating you. If you let your credit monitoring cancel, and do not update it in a timely manner, you will be canceled as a client.
  • If you are in active bankruptcy, DO NOT SIGN UP for our service. If your bankruptcy has been dismissed or discharged, you can continue with the enrollment process.
  • If you are currently behind on your bills and cannot pay them on time for the next 6-12 months, please do not sign up for our services. We want you to get the most out of the process as possible and paying your bills late will hurt you regardless of our efforts in other areas.
  • Credit repair is a team effort, paying your bills on time, building/adding positive credit, and paying your credit card balances down is what we expect out of all our clients. If you are not willing to consistently do these things and follow the personal action plan we gave you, please do not sign up for our services.
  • If your onboarding is not complete within 3 days of your portal being active, we will cancel with S. Cunningham Consulting LLC. Monthly payments start 30 days after your enrollment payment and is based on the anniversary date.