Terms & Conditions

Effective Date: June 3, 2026 | Leveled Up Pros, LLC

1. Acceptance of Terms

By accessing or using the website and services provided by Leveled Up Pros, LLC ("Company," "we," "us," or "our"), you ("Client" or "you") agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, do not use our services.

2. Description of Services

Leveled Up Pros, LLC is a Credit Services Organization (CSO) registered in the State of Alabama. We provide credit repair services including, but not limited to:

  • Evaluation and analysis of your credit bureau reports

  • Identification of inaccurate, erroneous, false, or obsolete information

  • Preparation and submission of dispute correspondence to credit bureaus (Experian, Equifax, TransUnion) and creditors

  • Consulting, coaching, and credit monitoring support throughout the engagement

All services are governed by the Credit Repair Organizations Act, 15 U.S.C. § 1679 ("CROA") and applicable Alabama state law.

3. Client Eligibility & Obligations

By enrolling in our services, you represent and agree to the following:

  • You are at least 18 years of age and legally capable of entering into a binding contract.

  • You will open and maintain a credit monitoring account with Smart Credit (at your cost of $27.99/month) for the duration of services and up to six (6) months after completion, and will provide us with login credentials.

  • You will promptly provide copies of all correspondence received from credit bureaus within two (2) business days of receipt.

  • While services are active, you will not apply for any new credit (credit cards, auto loans, secured financing, etc.) without prior direction from us. Doing so may void your Agreement.

  • You will make timely payments on all open accounts. Failure to do so may void your Agreement.

  • All disputed items are, to the best of your knowledge, inaccurate, incomplete, obsolete, unverifiable, or misleading.

  • If you are a victim of identity theft, you agree to file a police report and an FTC fraud affidavit as part of the dispute process. Filing a false police report is illegal.

4. Fees & Payment

4a. Service Fees

The following fee schedule applies:

  • Individual – $199.00 (USD) initial fee upon signing, plus $135.00/month per dispute round

  • Couple – $350.00 (USD) initial fee upon signing, plus $150.00/month per dispute round

Estimated total fees over the life of a six-month agreement: $874.00 (Individual) / $1,100.00 (Couple).

4b. Billing Authorization

By enrolling, you authorize us to automatically charge your designated credit or debit card per the schedule in your Credit Card Authorization Form. You agree to notify us of any card changes at least three (3) business days before the next billing date.

If a debit card is used, you are responsible for maintaining sufficient funds. An NSF fee may be charged for failed transactions. Non-payment may result in suspension or cancellation of your membership.

We reserve the right to terminate your enrollment and cancel membership at any time for nonpayment.

5. Agreement Term & Cancellation

  • This Agreement remains in effect for no longer than six (6) months from the date of execution.

  • Either party may terminate this Agreement at any time without penalty, with thirty (30) days written notice.

  • You may cancel this Agreement within three (3) business days of signing, without penalty or obligation, as required by the CROA and applicable state law (see Notice of Right to Cancel).

  • Any outstanding balance under Section 4 remains due upon termination.

6. No Guarantee of Results

Leveled Up Pros, LLC does not guarantee the removal of any specific items from your credit report, nor do we promise any particular credit score outcome. All results depend on factors including, but not limited to, the accuracy of information on your report, creditor responses, and your own credit behavior during the engagement.

Credit scores may fluctuate up or down during the dispute process. Individual results vary.

We leverage your rights under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and other applicable laws. We are not a law firm and do not provide legal advice.

7. Prohibited Practices

You agree not to engage in or assist us with any of the following prohibited acts under the CROA:

  • Making false or misleading statements to a credit bureau or creditor

  • Altering your identity or creating a new credit identity to conceal adverse credit history

We also agree not to:

  • Make untrue or misleading representations about our services

  • Commit or attempt to commit fraud or deception in connection with the offer or sale of our services

  • Charge or collect fees before the agreed-upon services have been performed

8. Communications Consent (TCPA)

By providing your phone number or email address, you consent to be contacted by us, our agents, or affiliates for all purposes related to your account. This includes SMS/text messages, calls using prerecorded or artificial voices, and calls made using an automatic dialing system.

Providing a cell phone number is not required to purchase our services. You may revoke this permission at any time by notifying us in writing. Standard carrier messaging rates may apply.

We may monitor and record phone calls for quality assurance purposes, as permitted by applicable law.

9. Media & Testimonial Consent

You consent to our use of testimonials, reviews, photographs, and videos you provide in connection with our services on our social media platforms (including but not limited to Facebook, Instagram, TikTok, YouTube, Pinterest, and LinkedIn). Such materials will not be used for any other commercial purpose without additional consent.

10. Confidentiality

Due to the nature of credit repair services, employees, contractors, and authorized third parties may access your credit file and personal information. We take all reasonable measures to handle your information responsibly and in compliance with applicable privacy laws.

11. Limited Power of Attorney

As part of the enrollment process, you may be asked to execute a Limited Power of Attorney authorizing us to act on your behalf solely for the purpose of improving your credit with credit reporting agencies and creditors. This power of attorney can be revoked by you at any time in writing.

12. Release of Claims & Limitation of Liability

You understand and agree that:

  • We are not responsible for any legal actions taken by creditors against you before, during, or after the service period.

  • Our services are limited to disputing information on your credit report and do not extend to legal representation or debt negotiation.

  • At the conclusion of a six-month term, if we have not received final credit reports or a successor agreement has not been signed, we will close your file without further notice.

THERE ARE NO OTHER WARRANTIES, EXPRESS OR IMPLIED, BEYOND THOSE STATED IN YOUR SERVICE AGREEMENT. NO ADDITIONAL PROMISES OR REPRESENTATIONS HAVE BEEN MADE.

13. Binding Arbitration

By using our services, you agree that any dispute arising out of or related to your Agreement or these Terms shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in the State of Alabama, before a single arbitrator who is a former Judge with at least five (5) years of civil case experience.

YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL OR CIVIL COURT ACTION. Each party will bear its proportionate share of arbitration fees. Claims may only be brought in an individual capacity — no class actions are permitted.

If a party fails to comply with an arbitration award, the prevailing party is entitled to costs and reasonable attorney's fees to enforce the award.

14. Non-Disparagement

You agree not to disparage, denigrate, or make negative public statements about the Company, its employees, operations, products, or services — orally, in writing, or electronically — without our prior written consent. Breach of this provision may result in liability for direct, incidental, and consequential damages.

15. Governing Law & Miscellaneous

  • These Terms are governed by the laws of the State of Alabama.

  • Any legal action must be brought within Alabama's applicable contract statute of limitations.

  • If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.

  • These Terms constitute the entire agreement between you and the Company regarding their subject matter and supersede all prior communications.

  • We reserve the right to update these Terms. Continued use of our services after changes are posted constitutes acceptance.

16. Force Majeure

We shall not be liable for delays or failures in performance resulting from acts beyond our reasonable control, including fire, flood, storm, pandemic, governmental action, or other events of force majeure. We reserve the right to cancel or extend service terms in such events.

17. Contact Us

If you have questions about these Terms, please contact us at:

Leveled Up Pros, LLC | 1612 Laurel Ave. SW, Birmingham, AL 35211 | info@leveleduppros.com