Terms Of Use


This National Credit Solutions Web Site Terms and Conditions of Use Agreement (hereinafter, the "Terms of Use ") is made between the party clicking "accept" below and/or using the site (hereinafter, "you") and National Credit Solutions(hereinafter, "we" or "us"), with it's principal place of business at 2035 Central Circle Suite 107 McKinney, TX 75069. Carefully review the Terms of Use before using the site. In using the site, you agree to be bound by the terms and conditions of use set forth hereunder. This is a legally binding agreement. If you do not agree with the Terms of Use you should not use the site and must exit the site immediately.

1. We agree to provide you access to the site in accordance with the Terms of Use.



2. You agree to use the site consistent with the Terms of Use and all applicable rules and regulations. You hereby acknowledge that you have read the Terms of Use and that you accept the terms therein. You further agree to review these terms of use carefully before using the site. If you do not agree to the Terms of Use, you may not use the site whatsoever.

3. You accept that the site is provided on an "as is, as available" basis with no warranty given either express or implied.

4. The materials included in the site do not constitute legal advice. They are not a substitute for obtaining legal advice from an attorney. ALL MATERIAL DISPLAYED ON THE SITE ARE FOR INFORMATION ONLY. THEY ARE NOT A SUBSTITUTE FOR SPECIFIC ADVICE AND ARE NOT TO BE CONSIDERED LEGAL ADVICE. FOR LEGAL ADVICE REGARDING ANY ISSUES, YOU MUST RETAIN LEGAL COUNSEL. National Credit Solutions does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the site. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your risk alone. National Credit Solutions expressly reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site.

5. YOUR ACCESS TO AND USE OF THE SITE MAY BE TERMINATED AT ANY TIME FOR ANY REASON.

6. WE MAY, PURSUANT TO OUR PRIVACY POLICY, COLLECT, PROCESS AND TRANSMIT CERTAIN DATA OBTAINED FROM YOU IN THE COURSE OF YOUR INTERACTION WITH US VIA THE SITE. BY AGREEING TO THESE TERMS YOU AGREE TO SUCH DATA BEING SO USED AND FURTHER AGREE THAT IT MAY BE TRANSMITTED TO OTHERS IN ACCORDANCE WITH OUR PRIVACY POLICY AND UNDER APPLICABLE PRIVACY AND DATA PROTECTION LEGISLATION. Information on how and what type of data (if any) about you can be obtained by clicking here to review our privacy policy or by contacting us.

7. The Site is protected by copyright under the auspices U.S. copyright laws and other copyright laws. All materials contained on the site are protected by copyright and are owned by National Credit Solutions or the party credited as the provider of the site content. You hereby agree to abide by any and all additional copyright notices or restrictions contained in any content on the site. Copying or storing of any site content is expressly prohibited.

8. National Credit Solutions reserves the right to make changes to the site, including the availability of any feature, and prices on the site at any time without notice or liability. National Credit Solutions may also impose limits on certain services and/or restrict your access to parts or the entire site without notice and/or liability.

9. You acknowledge that transmissions to and from the site are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. You acknowledge that by submitting communications to National Credit Solutions, no confidential, fiduciary, contractually implied or other relationship is created between you and us, other than any reached pursuant to a written contract for services.

10. THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED "AS IS, AS AVAILABLE." TO THE FULLEST EXTENT PERMISSIBLE BY LAW. NATIONAL CREDIT SOLUTIONS MAKES NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE MATERIALS, INFORMATION, AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. MOREOVER, NATIONAL CREDIT SOLUTIONS DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

11. You hereby agree to indemnify, defend and hold National Credit Solutions,, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (hereinafter, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs.

12. These Terms of Use contain the entire understanding between us with respect of the site. National Credit Solutions may delete or remove any portion of the site in its sole discretion.

13. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

14. The site, all information provided hereunder and the Terms of Use are given and made in the State of Texas, United States of America. THE TERMS OF USE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN COLLIN COUNTY IN THE STATE OF TEXAS.

15. In accordance with applicable Federal and State law, we provide to you the following separate written statement for your review and you hereby acknowledge receipt thereof, which, under the requirements of Federal and State law, will also be delivered with any contract for services entered into with National Credit Solutions:

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