Terms and Conditions of Service

Company: Martin’s Credit Doctors LLC
Address: 6506 Rockside Rd Suite 150, Independence, OH 44131
Email: support@martinscreditdoctors.com
Website: www.martinscreditdoctors.com

1. Acceptance of Terms

By accessing or using this website (“Service”), you agree to these Terms.
If you use our credit coaching or credit repair programs, these Terms also govern your client relationship and supplement your signed Credit Repair Service Agreement.

If you disagree with any part, do not use the Service.

2. Programs and Fees

Martin’s Credit Doctors LLC offers two distinct programs.

Each includes education and coaching; only the Done-For-You Credit Repair Program involves direct contact with credit bureaus or creditors.

A. Credit Coaching Program — $50 per month

Purpose: Guided self-improvement with professional coaching.

Includes:

Monthly one-on-one coaching sessions
Educational videos, templates, and tools
Personalized credit-building strategies
Billing: $50 automatically every 30 days.
Note: No bureau contact or dispute work is performed.

B. Done-For-You Credit Repair Program — Work-First Model

Purpose: We perform compliant dispute work under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and Telemarketing Sales Rule (16 C.F.R. § 310).

Fee Structure (CROA / TSR Compliant):

First Work Fee: $125 — charged only after credit reports are reviewed, an action plan created, and first dispute letters drafted.
Monthly Service Fee: $125 — charged only after each month’s verified work is completed.
Performance-Based Fee: $1 — a symbolic entry confirming service completion; required for compliance documentation, not an added cost.

Includes:

Review of credit reports (TransUnion, Experian, Equifax)
Identification of inaccurate or unverifiable items
Preparation and submission of dispute letters
Monitoring of responses and updates
Ongoing education and coaching

Billing Method: No upfront fees. All billing occurs after work is performed.

Duration: Month-to-month; cancel any time in writing.

Unless stated otherwise, all listed fees apply to the Done-For-You Credit Repair Program. Coaching fees are billed separately.

3. Performance-Based Fee

The $1 performance fee documents service completion as required under 15 U.S.C. § 1679b(b). It has no impact on your total cost.

4. Purchases

You must provide accurate payment information and confirm authorization to use your chosen payment method.

We process payments through secure third-party providers in accordance with our Privacy Policy.
Orders may be declined for inaccurate data, suspected fraud, or unavailable services.

5. Scope of Services

Depending on your program:

We review your credit reports.
We analyze inaccurate or unverifiable items.
We prepare and send dispute letters.
We track bureau responses and update you.
We provide education and coaching materials.

Educational access is separate from credit repair services.

6. Potentially Removable Items

Examples of items that may be disputed or investigated include:

Accounts reported after payment or discharge
Duplicate tradelines
Mixed-file errors (accounts that belong to someone else)
Re-aged or obsolete collections
Unverifiable inquiries or late payments

We cannot remove accurate, verifiable, or lawfully reported information.

7. Disclaimer – No Guaranteed Results

We make every reasonable effort to dispute inaccurate information, but no specific result or score increase is guaranteed.

Credit bureaus must delete or correct only information proven inaccurate, unverifiable, or outdated.
Accurate negative items remain for their lawful reporting period.

Client Acknowledgment: You understand credit repair lawfully addresses inaccuracies or unverifiable data not legitimate debts or accurate negative records.

8. Duration and Cancellation

All services are month-to-month. You may cancel anytime via email or written notice.

You may also cancel within 3 business days of signing without charge (Right to Cancel – 15 U.S.C. § 1679d).

Once billed work has been completed, fees are non-refundable.

9. Refund Policy

No refunds for completed services or digital materials.

If you believe work was not performed, request a review of your monthly work log.

9A. Work Log Access

You may request a detailed work log at any time. Each log documents dispute actions, education provided, and results for that billing period.

10. Limitation of Liability

Martin’s Credit Doctors LLC and its affiliates are not liable for indirect, incidental, or consequential damages, including loss of profits or data.

Total liability is limited to the amount you paid in the 60 days before the claim.

11. Consumer Rights (CROA Disclosure Summary)

Under federal law (15 U.S.C. § 1679 et seq.):

You can dispute items yourself at no cost.
You can obtain free annual reports at www.annualcreditreport.com.
You may sue a credit repair organization that violates CROA.
You may cancel within 3 business days without obligation.

12. Compliance and Bond Registration

Martin’s Credit Doctors LLC is registered and bonded under the Ohio Credit Services Organization Act.

Bond Provider: Hartford Fire Insurance Company
Bond Number: 578BN379018
Bond Amount: $50,000
Effective: July 22, 2025 – Expires July 22, 2026
Filed With: Ohio Division of Financial Institutions

This bond protects Ohio consumers against violations of state law.

13. Links to Other Websites

External links are provided for convenience only.

We are not responsible for their content or practices.

Use external sites at your discretion.

14. Indemnification

You agree to indemnify and hold harmless Martin’s Credit Doctors LLC, its officers, employees, and affiliates from claims arising from your use of our services or breach of these Terms.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Ohio.

Any legal proceedings must be brought in Cuyahoga County, Ohio.

If any provision is held invalid, the remainder remains in effect.

16. Arbitration (Optional)

Disputes not resolved informally may be submitted to binding arbitration under the American Arbitration Association (AAA) Consumer Rules.

Hearings occur in Cleveland, Ohio. Either party may reject this clause in writing within 30 days of agreement execution.

17. Electronic Signature and Consent

Electronic signatures and records carry the same legal effect as handwritten signatures under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.).

You consent to receive disclosures, invoices, and notices electronically.

18. Changes to Terms

We may update these Terms at any time. If a change is material, you will receive 30 days’ notice before it takes effect.

Continued use of our services after updates means you accept the new Terms.

19. Frequently Asked Questions

A client FAQ page is available at www.martinscreditdoctors.com/faq to explain our process, billing timeline, and client expectations.

Last Updated: October 25, 2025