Terms & Conditions and Privacy Policy
Twelve-One Financial Solutions
Effective Date: April 2026
By accessing this website or enrolling in services with Twelve-One Financial Solutions (“Company,” “we,” “us,” or “our”), you agree to the following terms:
Services
We provide credit education, credit analysis, and assistance with disputing inaccurate, unverifiable, or outdated information on your credit reports in accordance with applicable laws.
We do not guarantee specific results, credit score increases, or the removal of any particular item.
No Legal or Financial Advice
All information provided is for educational purposes only and should not be considered legal, tax, or financial advice.
Client Responsibilities
By enrolling, you agree to:
Provide accurate and truthful information
Maintain active credit monitoring during the program
Submit all required documents in a timely manner
Participate in the process as requested
Failure to comply may result in delays or suspension of services.
Payment Terms
All payments are due as agreed upon at enrollment
Fees are for services rendered, not specific results
Missed or failed payments may result in paused services
Refund Policy
Refunds may be considered if no measurable progress is made within 120 days, provided all program requirements have been followed.
Refunds will not be issued for:
Failure to participate or follow instructions
Inactive credit monitoring
Incomplete documentation
Voluntary cancellation
Cancellation
You may cancel at any time by submitting a written request. Cancellation does not guarantee a refund.
No Guarantee of Results
Results vary. We do not guarantee deletions, score increases, or approvals for credit, housing, or funding.
Limitation of Liability
We are not liable for any damages resulting from the use of our services.
Governing Law
These terms are governed by the laws of the State of Texas.
PRIVACY POLICY
Twelve-One Financial Solutions
Effective Date: April 2026
We value your privacy and are committed to protecting your personal information.
Information We Collect
Name, phone number, email, address
Date of birth and identifying information
Credit and financial information necessary for services
How We Use Your Information
To provide credit repair and consulting services
To communicate with you بشأن your account
To process payments
To comply with legal requirements
Information Sharing
We do not sell your information.
We may share your data with:
Credit bureaus (Equifax, Experian, TransUnion)
Creditors as part of disputes
Secure service providers used to operate our business
Data Protection
We use secure systems and restricted access to protect your information. However, no system is 100% secure.
Your Rights
You may request:
Access to your data
Corrections to inaccurate information
Deletion of your data (when legally permitted)
Cookies
Our website may use cookies to improve your experience.
Third-Party Links
We are not responsible for third-party websites linked on our platform.
Updates
We may update this policy at any time. Updates will be posted on this page.
Contact
1-877-408-0244
CONSUMER CREDIT FILE RIGHTS (CROA DISCLOSURE)
Twelve-One Financial Solutions
You have the right to dispute inaccurate or incomplete information on your credit report directly with the credit bureaus at no cost. You are not required to purchase services from Twelve-One Financial Solutions to exercise these rights.
Under federal law:
You may obtain a copy of your credit report from each bureau
You may dispute inaccurate or unverifiable information on your own
Credit bureaus must investigate disputes, typically within 30 days
You may seek damages from companies that violate the law
You have the right to cancel services within 3 business days
We do not guarantee the removal of any specific item or any credit score increase.
RIGHT TO CANCEL
You may cancel your contract with Twelve-One Financial Solutions within three (3) business days from the date of enrollment.
To cancel, send written notice to:
Twelve-One Financial Solutions
2224 Cedar Crest Blvd Suite C
Dallas Texas, 75203
Your notice must clearly state your intent to cancel. If canceled within this timeframe, you will not be changed.