Terms of Service

MarkeUp Consulting is a credit services organization operating from Jacksonville, Florida. We review consumer credit reports, identify items that appear inaccurate, incomplete, outdated or unverifiable, and challenge those items with the credit reporting agencies and furnishers on your behalf.

Federal law gives you specific rights, and nothing in these terms takes any of them away.

• You have the right to dispute inaccurate information on your own credit report yourself, for free, by contacting Equifax, Experian and TransUnion directly.
• You have the right to obtain a free copy of your credit report from each nationwide credit reporting agency.
• You have the right to cancel your contract with us, for any reason, within three business days of signing it, at no cost to you.
• You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act.
• Credit bureaus are required to investigate disputed items and to remove information that cannot be verified.

Before you sign any service agreement we will give you a separate written statement of these rights, as required by law, and a written contract that states the services to be performed, the total amount you will pay, and how long the work is expected to take.

We challenge items that appear inaccurate, incomplete, outdated, misreported or unverifiable. We do not, and will not, ask a bureau to remove information that is accurate and verifiable. We will not advise you to create a new credit identity, to use an Employer Identification Number in place of a Social Security Number, or to make any statement to a creditor or bureau that is untrue. If you ask us to do any of those things, we will end the engagement.

Two payment options are offered. You may pay $800 in full, or begin with a one time activation fee of $150 followed by $95 per month while your file is active. The option you choose is confirmed in writing in your service agreement before any payment is taken.

Fees are charged for services performed. You will be told, in writing and in advance, exactly what you are paying for and when each charge occurs. If you cancel, you will not be charged for any month that has not yet begun.

Where a reference price of $1,500 is shown struck through, that is our standard rate for the same program outside of a promotional period. Promotional pricing is time limited and the standard rate applies once a promotion ends.

When you submit payment on markeupconsulting.com you authorize MarkeUp Consulting and its payment processor to charge the card you provide for the option you selected.

• Paid in full. A single charge of $800 at the time you enroll. There is nothing further to pay.
• Payment plan. A one time activation fee of $150 at the time you enroll, and nothing else that day. Your first monthly charge of $95 is taken one month later, and then $95 on the same day each month until you cancel. This is an ongoing authorization, not a single payment.

You confirm that you are the authorized holder of the card and that the billing details you give us are accurate. Card details are collected and stored by our payment processor over an encrypted connection. MarkeUp Consulting does not store your full card number.

If a payment fails we may retry it. If it continues to fail we may pause work on your file until the account is current.

Fees pay for work that is performed on your file, and that work begins as soon as you enroll. Once work has begun, fees already paid are not refundable, and cancelling does not entitle you to a refund of amounts already charged.

There are two exceptions, and neither can be waived by anything in this agreement.

• You may cancel for any reason within three business days of signing your service agreement and receive a full refund of anything paid.
• Any refund required by applicable federal or state law.

Cancelling stops future monthly charges from the date we receive your cancellation. It does not reverse charges already made for months that have started. Because we do not guarantee results, a result you are unhappy with is not on its own a basis for a refund.

If you believe a charge is wrong, contact us at hello@markeupconsulting.com before disputing it with your bank. We would rather fix it directly.

The calculator on markeupconsulting.com is an illustration. It uses generic interest rate averages by score band to show roughly what a lower score can add to the cost of borrowing. It is not a quote, not an offer of credit, not financial advice, and not a prediction of any rate you will be offered. It does not store or transmit anything you type into it. Your actual terms depend on the lender, the product, your income and your full profile.

We do not guarantee results. We do not guarantee a specific credit score, a specific number of deletions, a timeline, or approval by any lender. No credit services organization can lawfully make those promises, and we will not make them to win your business.

What we commit to is the work described in your service agreement: a full review of your three bureau reports, dispute rounds on items that appear inaccurate, incomplete, outdated or unverifiable, and honest reporting of what happens. Credit reporting agencies and furnishers make their own determinations and we do not control them.

The work depends on your participation. You agree to give us accurate information, to forward any correspondence you receive from bureaus, creditors or collectors promptly, to maintain access to a credit monitoring service so results can be verified, and to avoid new derogatory activity while we are working. If you stop responding, we may pause or close your file.

You may cancel within three business days of signing your service agreement at no cost. After that, you may cancel at any time by writing to us. Cancellation stops future monthly charges. See section 6 for how refunds work.

The screenshots and figures published on markeupconsulting.com are real outcomes from real client files, with identifying details cropped out. They are examples of what has happened for some clients. They are not typical, not promised, and not a prediction of your result. Your outcome depends on the contents of your report and how third parties respond.

We are not a law firm, a lender, a debt settlement company or a financial adviser. Nothing we publish or say to you is legal, tax or investment advice. For advice on bankruptcy, litigation or debt settlement, speak to a qualified professional.

To the maximum extent permitted by law, our total liability arising out of or relating to these terms or the services is limited to the amount you actually paid us in the twelve months before the claim arose. We are not liable for indirect, incidental or consequential damages, including lost profits or lost financing opportunities. Nothing in this section limits any liability that cannot lawfully be limited, including liability under the Credit Repair Organizations Act.

When you submit a form on this site you agree that we may contact you by phone, text message and email about your credit file and your enquiry. Message and data rates may apply. Reply STOP to any text to opt out, or HELP for assistance. Consent to marketing messages is not a condition of purchase.

These terms are governed by the laws of the State of Florida, without regard to conflict of law rules. Any dispute will be brought in the state or federal courts located in Duval County, Florida, and both parties consent to that jurisdiction.

We may update these terms. The version in force for your engagement is the one in your signed service agreement. Material changes to the site terms will be reflected in the last updated date above.

Questions about these terms can go to hello@markeupconsulting.com. If you need to serve formal notice, use the mailing address in your service agreement.