Welcome to 850Above (“we,” “us,” or “our”). These Credit Repair Terms and Conditions (“Terms”) govern your use of our website and our professional credit repair and credit education services (collectively, the “Services”).

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must stop using our website and Services immediately.

850Above operates strictly in compliance with all federal and state laws regulating the credit repair industry. This includes, but is not limited to:

• Credit Repair Organizations Act (CROA): Prohibits deceptive practices and upfront fees before services are rendered. 
• Fair Credit Reporting Act (FCRA): Ensures accurate, fair, and private handling of consumer credit information. 
• Telemarketing Sales Rule (TSR): Protects consumers from misrepresentation and ensures consent-based communication.
• Fair Debt Collection Practices Act (FDCPA): We are not a debt collector and do not engage in debt collection activities. 
• CAN-SPAM Act & TCPA: Governs email and phone communication to ensure privacy and compliance with consumer contact preferences.

Our Services are designed to protect clients’ rights under these laws while maintaining ethical business practices at every step. 

We encourage all clients to understand their legal rights under the FCRA and CROA. Copies of these laws are available online at ftc.gov and consumerfinance.gov.

Our credit repair and education services include the following: 

• Credit Report Review: We analyze your reports from all three major bureaus — Equifax, Experian, and TransUnion — to identify errors, inconsistencies, or outdated information. 
• Dispute Management: We prepare and send formal disputes on your behalf for items that appear inaccurate or unverifiable. 
• Ongoing Progress Monitoring: You will receive updates on dispute outcomes and credit report changes through our secure client portal. 
• Credit Education: We provide personalized advice, educational materials, and tools to help you understand your credit and improve financial habits. 
• Credit Building Support: We help you establish new positive credit lines and guide you in managing existing accounts responsibly. 

Our Services are tailored to your individual credit goals, ensuring that your experience is personal, professional, and effective. 

Please note that 850Above does not provide legal, tax, or financial advice. Our Services are strictly educational and administrative.

While 850Above strives to help each client achieve their credit goals, credit repair is a process that involves multiple third parties, such as credit bureaus and creditors. As such, we cannot legally guarantee specific outcomes. 

We do not guarantee: 

• A specific increase in your credit score; 
• Removal of all negative items; 
• Loan or credit card approvals; or 
• Timelines for dispute completion. 

Results depend on your individual credit history, the type and number of items in dispute, creditor responses, and your continued financial behavior. 

Our commitment is to act diligently, ethically, and transparently in helping you pursue your right to accurate credit reporting.

You play a crucial role in your credit improvement journey. To ensure the success of your credit repair process, you agree to:

• Provide Accurate Information: Submit truthful, complete, and updated information about your identity, credit history, and contact details. 
• Review All Communications: Stay informed about updates, required actions, and correspondence from 850Above. 
• Follow Guidance: Implement credit-building and money management strategies as advised. 
• Cooperate with Our Team: Respond promptly to document or verification requests. 
• Maintain Monitoring Access: Keep your credit monitoring subscription active to help us track progress effectively. 

Failure to comply with these responsibilities may delay progress or impact results. 

850Above follows CROA regulations prohibiting the collection of advance payments for unperformed services. 

We offer multiple payment options to fit your needs: 

• Pay-Per-Delete: You are only billed after the successful removal of negative or unverifiable items from your credit report. 
• Tiered Packages: Structured monthly or one-time service plans based on your credit goals. 
• Free Consultation: Each new client receives an initial credit audit and personalized plan before committing to paid services.

Payments are processed securely through our authorized payment processor. You authorize 850Above to charge your selected payment method for agreed services. 

If any payment is declined, your account may be temporarily suspended until the issue is resolved.

Refunds are granted under specific circumstances, such as:

• Duplicate payments or processing errors; 
• Failure by 850Above to perform the agreed-upon services; or 
• Proven misrepresentation of services (which we strive to prevent through transparent communication). 

To request a refund, please email billing@850above.com within seven (7) business days of the transaction.

By providing your phone number and email, you consent to receive calls, texts, and emails regarding your account, appointments, updates, and promotional offers. 

All communication will comply with the TCPA and CAN-SPAM Act. We respect your privacy and ensure that all interactions are professional and secure.

Your privacy is a top priority. All data collected is stored securely and used solely for the purpose of providing Services. 

We implement industry-standard encryption, SSL security, and restricted access controls to safeguard your data. We never sell, trade, or rent personal information to third parties. 

Data may be shared only with trusted vendors such as payment processors or credit monitoring partners, and only to the extent necessary to complete your transactions. 

For more details, please read our Privacy Policy.

All text, images, graphics, videos, logos, and digital materials on the 850Above website are owned or licensed by 850Above. 

You are granted a limited, non-transferable, non-exclusive license to access and use our content for personal, non-commercial purposes. 

You may not:

• Copy, modify, or republish any part of our website; 
• Use our trademarks or branding without written consent; or 
• Create derivative works from our content. 

Violation of these restrictions may result in legal action.

To the fullest extent permitted by law, 850Above, its officers, employees, and affiliates shall not be held liable for: 

• Indirect or incidental damages; 
• Credit bureau or creditor delays; 
• Technical errors or data interruptions; 
• Third-party service failures; 
• Loss of expected results due to your financial decisions. 

In all cases, our total liability shall not exceed the amount paid by you for Services in the 60 days preceding the claim.

Our website may contain links to external websites for educational or informational purposes. 

These sites are not owned or controlled by 850Above, and we are not responsible for their content, policies, or actions. Accessing third-party links is at your own risk. 

We recommend reviewing their privacy and terms before sharing any personal information.

We are committed to resolving disputes fairly and efficiently. 

If an issue arises, please contact support@850above.com first. Most concerns can be resolved quickly through open communication. 

If unresolved, both parties agree to binding arbitration in Los Angeles County, California, conducted under the rules of the American Arbitration Association (AAA). 

Arbitration shall be the exclusive means of resolving disputes, except for small claims or injunctive relief.

We may update these Credit Repair Terms at any time to reflect legal, operational, or business changes. Updates will be posted on this page with a revised “Effective Date.” 

Continued use of our website or Services after an update constitutes your acceptance of the new Terms. 

We encourage you to review this page periodically.

These Terms are governed by and interpreted under the laws of the State of California, without regard to conflict of law principles.

If you have questions about these Credit Repair Terms, your rights, or any of our Services, please contact us: 

850Above
📍 1708 Standard Ave, Glendale, CA 91201
📧 expert@850above.com
📞 (850) 530-9515
🕒 Business Hours: Monday – Saturday | 9:00 AM – 5:00 PM