Terms of Service

1. Acceptance of Terms

By accessing or using the Rubo Credit website, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website or services.

2. Description of Services

Rubo Credit provides credit repair services, which include reviewing your credit reports, preparing and submitting dispute letters to credit bureaus and creditors, and providing credit education. We operate under the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679–1679j.

We dispute inaccurate, unverifiable, and incomplete information on your credit report. We do not and cannot remove accurate, current, and verifiable information.

3. No Guarantees

We make no guarantee of specific results. Credit repair outcomes vary by individual.

We cannot guarantee a specific credit score improvement, the removal of any specific item, or approval for any credit product or loan. Results depend on the accuracy of information on your report, creditor responses, and other factors outside our control.

4. Your Right to Cancel

You may cancel your service contract within 3 business days of signing without penalty.

This right is guaranteed by the Credit Repair Organizations Act (15 U.S.C. § 1679e). To cancel, you must provide written notice to Rubo Credit LLC, 123 Financial Way, Suite 100, Your City, State 00000, or email [email protected].

5. Payment Terms

In compliance with the FTC Telemarketing Sales Rule (TSR), we do not collect payment before services are performed. Specific payment amounts, schedules, and terms are detailed in your individual written service contract. No payment is collected during the 3-business-day cancellation period.

6. TSR Compliance

Rubo Credit does not conduct telephone sales. All enrollments are completed through our self-service online portal. We do not display phone numbers for sales purposes and do not conduct video call sales consultations. This website and our services comply with the FTC Telemarketing Sales Rule, 16 C.F.R. Part 310.

7. Prohibited Uses

You agree not to use our services to:

• •Create a new credit identity or obtain a new credit profile number
• •Misrepresent your identity or credit history to any lender or bureau
• •Dispute accurate, current, and verifiable information
• •Engage in any fraudulent or illegal activity

8. Limitation of Liability

Rubo Credit's liability is limited to the fees paid for services in the 30 days preceding any claim. We are not liable for indirect, incidental, or consequential damages. Nothing in these terms limits your rights under the Credit Repair Organizations Act or other applicable consumer protection laws.

9. Governing Law

These Terms are governed by federal law, including CROA and the FCRA, and the laws of the state in which Rubo Credit is incorporated. Any disputes shall be resolved in accordance with applicable law.

10. Contact

Rubo Credit LLC
123 Financial Way, Suite 100
Your City, State 00000
Email: [email protected]