Credit Repair Service Agreement

My Credit Sharks (“we,” “us,” or “Company”) provides professional credit repair assistance. Our services include reviewing your credit reports to identify information that may be inaccurate, outdated, or unverifiable, and assisting with appropriate dispute processes on your behalf. We provide ongoing progress updates throughout your service period.

We do not guarantee that any specific item will be deleted from your credit report or that any particular credit score will be achieved. Individual results vary based on your individual reports and circumstances.

The Black Friday 2026 service period is six (6) months from the start of services. After your six-month service period, you may discuss next steps with your My Credit Sharks specialist and may continue services under a separate arrangement if needed.

The advertised Black Friday prices represent the total package or six-month price and are subject to a legally compliant payment schedule. No payment is collected before credit repair services have been performed as required by federal and applicable state credit repair laws.

The monthly plan is $19 enrollment plus $99 per month for six months (total six-month price $613, a $479 savings). The $500 package is a total package price for six months of service with enrollment included (a $592 savings). The regular six-month price is $1,092.

You may cancel without charge within the federal 3-business-day cancellation window before services are performed, as described in Section 5.

All clients must maintain an active Credit Hero Score monitoring subscription throughout their credit repair service period. Credit monitoring is paid separately and is not included in the advertised My Credit Sharks package prices. The pricing and terms of credit monitoring are disclosed by the monitoring provider before purchase.

You are responsible for activating and maintaining your required monitoring subscription through our approved enrollment link. Failure to maintain active monitoring may affect the services we are able to provide.

You have cancellation rights under federal and applicable state law, including the right to cancel without charge within the federal 3-business-day cancellation window before services are performed. You may cancel by notifying us through the contact channels provided during enrollment.

Additional cancellation rights may apply under your state’s credit repair laws. A separate cancellation rights disclosure is provided during enrollment.

Under the Credit Repair Organizations Act and applicable state law, you have the right to:

• A free copy of your credit report from each nationwide credit reporting agency.
• Dispute inaccurate or incomplete information on your credit report.
• Receive a copy of this agreement and the required consumer rights disclosure before signing.
• Cancel this agreement within the federal 3-business-day cancellation window.

No credit repair organization may charge or accept money for credit repair services before such services have been fully performed.

We do not guarantee the deletion of any specific item from your credit report or that any particular credit score will be achieved. Credit scores are influenced by many factors beyond credit repair, and individual results vary. We assist with appropriate disputes, but outcomes depend on your individual reports and applicable legal requirements.

We handle your personal information in accordance with our Privacy Policy. We do not store raw credit card details in our application database. Your contact information is used to provide services and communicate with you about your case.

This agreement is governed by our Terms of Service and Privacy Policy, which are incorporated by reference. In the event of a conflict, this Credit Repair Service Agreement controls with respect to the credit repair services described herein.

By completing enrollment and checking the agreement acknowledgment, you confirm that you have read, understood, and agree to this Credit Repair Service Agreement, including the mandatory credit monitoring requirement and your cancellation rights.