Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the website and the credit consulting and credit repair services provided by Sashy Consulting LLC ("Sashy Consulting," "we," "us"). By enrolling in a program, purchasing a targeted service, or using this website, you agree to these Terms and to our Privacy Policy.

If you do not agree, please do not enroll or use the services. A separate written service agreement, provided before any payment is collected, will also apply to your engagement and will control if it conflicts with these Terms.

Sashy Consulting provides credit education and credit repair services, which may include: a review of your credit reports from the three major bureaus, identification of items that appear inaccurate, incomplete, outdated, or unverifiable, preparation and submission of disputes under applicable consumer protection law, tracking of bureau and furnisher responses, and guidance on rebuilding positive credit history.

We are not a law firm, credit counseling agency, debt settlement company, or financial advisor, and nothing we provide is legal, tax, or investment advice.

Results vary based on each individual credit profile, the accuracy of the items on it, and how bureaus and furnishers respond. Any statistics on this website (such as average point climbs or items removed) describe past client outcomes and are not a promise of your outcome. Timelines given for programs are estimates, not commitments.

You may cancel your service agreement, without penalty or obligation, at any time before midnight of the third business day after the date you signed it. To cancel, send written notice (email is acceptable) to the contact address in section no.12 before that deadline.

A copy of your cancellation rights will also be included with your written service agreement, as required by law.

Current pricing for the VIP Credit Disputing Program and all targeted services is listed on the Packages page and in your service agreement. Payment plan enrollments (for example, $500 to start followed by 4 monthly payments of $250) authorize us to charge your payment method on the schedule stated at checkout.

• Fees are charged only for services as permitted by applicable law.
• Missed installment payments may pause active dispute rounds until the account is current.
• Add-on services purchased after enrollment are billed at the prices in effect at the time of purchase.

The process works when we work together. During your program you agree to:

• Provide accurate identity documents, proof of address, and credit monitoring access when requested.
• Forward bureau and creditor correspondence to us promptly.
• Not initiate duplicate disputes on the same items on your own while a program round is active.
• Use the services only for your own credit file, truthfully and lawfully.

We may pause or end an engagement (with a prorated refund of unearned fees) if required information is not provided or if the services are misused.

Cancellations within the three-business-day window described in section no.4 receive a full refund. After that window, refunds are handled as described in your service agreement; as a general rule, fees for work not yet performed are refundable and fees for completed dispute rounds and reviews are not.

To request a refund, contact us in writing with your name and enrollment date.

Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your credit report from each bureau every 12 months, and bureaus must investigate disputed items, generally within 30 days. The Credit Repair Organizations Act (CROA) additionally prohibits credit repair companies from making false claims, charging for services before they are performed as prohibited by law, or asking you to waive your rights. Any waiver of your CROA rights is void.

To the fullest extent permitted by law, Sashy Consulting's total liability for any claim arising out of the services or this website will not exceed the amount you paid for the services in the six months before the claim arose. We are not liable for indirect, incidental, or consequential damages, or for decisions made by credit bureaus, furnishers, lenders, landlords, or employers.

Nothing in these Terms limits rights you have under CROA, the FCRA, or other consumer protection laws that cannot be limited by contract.

The content of this website — text, design, graphics, and the Sashy Consulting name and marks — belongs to Sashy Consulting LLC. You may not copy, resell, or republish it without written permission. Materials provided during your program (strategies, templates, guides) are licensed for your personal use only.

These Terms are governed by the laws of the state identified in your service agreement, without regard to conflict-of-law rules, and subject to any consumer protections of the state where you reside that apply regardless of choice of law. Disputes will be resolved in the courts of that state unless your service agreement provides otherwise.

We may update these Terms from time to time; the "last updated" date at the top of this page will change when we do. Material changes will not apply retroactively to an active service agreement.

Questions about these Terms: [email protected] — or call +1 (813) 526-4935.