Legal

Terms of Service

Last updated November 3, 2026

These terms are an agreement between you and Repair180 ("Repair180," "we," "us"), based in Pueblo West, Colorado. They apply when you use repair180.com or buy any of our services. By booking a review, checking out or using our services, you agree to these terms and to our Privacy Policy. If you don't agree, please don't use our services.

1. What we do

Repair180 is a credit repair company. We review your Equifax, Experian and TransUnion reports, identify items that appear inaccurate, incomplete, unverifiable or outdated, and dispute them with the credit bureaus and the companies reporting them, as allowed under the Fair Credit Reporting Act. We follow up on bureau responses and keep you updated on your progress.

We are not a law firm and don't provide legal advice. We are not a lender, and we don't offer loans, debt settlement or debt consolidation.

2. What we can't promise

Credit bureaus and the companies reporting your information decide the outcome of every dispute. No one, including us, can legally remove accurate, current and verifiable information from your credit report. Because of that, we can't promise that any specific item will be removed, that your score will reach a certain number, or that you will be approved for any loan, card or lease. Results vary from person to person. Results shown on our website are from real clients but are not typical for everyone.

3. Your part

Give us accurate and complete information, and tell us if anything changes, such as your address.
Send the documents we need, such as a copy of your ID and proof of address, and keep an active credit monitoring account we can review.
Forward or upload any letters you get from the credit bureaus or creditors while we're working on your file.
Only ask us to dispute items you believe are inaccurate, incomplete or unverifiable. We will not dispute information you tell us is accurate, and we will never help create a new credit identity.

You must be at least 18 and a U.S. resident to use our services.

4. Plans and billing

Monthly: $99 per month, billed to your payment method each month until you cancel. Includes a new round of disputes each month. You can cancel any time by emailing hello@repair180.com. Cancellation stops future charges; it does not refund a month that has already been billed, except as described in sections 5 and 6.
Expedited: $800, one payment for the full engagement, with dispute rounds filed together and a dedicated specialist.
Couples: $1,250, one payment covering two people's credit files on the expedited process.

Your price is confirmed with you before you pay and shown again at checkout. Payments are processed by our checkout and payment providers. If a monthly payment fails, we may pause work on your file until it's resolved.

5. The 45-day guarantee

If we don't get at least one negative item removed from at least one of your credit reports within 45 days, you get a full refund of what you've paid us. The 45 days start once we have everything we need to file your first disputes (your ID, proof of address and access to your credit reports). To claim a refund, email hello@repair180.com within 15 days after the 45-day period ends. Refunds go back to your original payment method.

6. Your right to cancel

You may cancel this contract for any reason within 3 business days.

Under the federal Credit Repair Organizations Act, you may cancel your contract with us without penalty or obligation at any time before midnight of the 3rd business day after the date you signed up. To cancel, email hello@repair180.com with your name and the words "I hereby cancel this transaction." If you cancel within this period, we will refund any payment you made.

7. Your credit file rights

Federal law requires credit repair organizations to give you the following statement:

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

8. Text messages (SMS)

Program: Repair180 Client Updates. When you give us your mobile number when booking a review, at checkout, or while working with us, you agree that Repair180 may send you text messages about your account, such as onboarding steps, document requests, dispute round updates and billing notices. These texts may be sent using automated technology.

Frequency: message frequency varies based on your account activity.
Cost: message and data rates may apply.
Opt out: reply STOP to any message to stop receiving texts. You'll get one confirmation message, and then no more texts unless you opt back in by replying START.
Help: reply HELP for help, or email hello@repair180.com.
We will only send you promotional texts if you separately agree to receive them. Agreeing to promotional texts is never a condition of buying anything.
Mobile carriers are not liable for delayed or undelivered messages.
Your mobile information is handled as described in the SMS section of our Privacy Policy. We don't share your text messaging opt-in or consent with third parties.

9. Limits on liability

To the fullest extent allowed by law, Repair180 is not liable for any indirect, incidental, special or consequential damages, including lost profits or denied credit, arising from your use of our services. Our total liability for any claim relating to our services is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits any rights you have under the Credit Repair Organizations Act or other laws that can't be waived.

10. General terms

Governing law: these terms are governed by the laws of the State of Colorado and applicable federal law.
Changes: we may update these terms. When we do, we'll change the "Last updated" date above. Changes don't affect services you've already paid for.
Ending service: we may stop working with you if you give us false information, ask us to dispute information you've told us is accurate, or fail to pay. If we do, we'll refund any amount required by law or by these terms.
Severability: if any part of these terms can't be enforced, the rest still applies.

Questions? Email hello@repair180.com.

Repair180
Pueblo West, Colorado