Terms and Conditions

Terms and Conditions

The specific services, guarantees, payment terms, timeframe, and total cost are set forth in the client disclosure statement incorporated herein for all purposes. Now, in consideration of the mutual promises contained herein, the parties agree as follows:

Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company’s Products, they are not currently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months.

Client shall indemnify and hold Company free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of negligence or malfeasant acts of Client.

Company shall indemnify and hold Client free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of failure of Company to provide reasonable credit score increase within the allotted term.

While it is not the current policy of Instant Credit Hacks to use an affiliate service provider, Company has the option of fulfilling the credit services through a credit services processor or affiliate to best serve you.

a. Term. This Agreement shall continue as outlined in “Exhibit A” unless terminated by Company or Client as provided herein. b. Termination for Cause. If either party shall default in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party and if the default is not cured within thirty (30) days following such notice, the Agreement will be terminated.

Client acknowledges that by reason of its relationship to Company, they will have access to certain information and material concerning Company’s business that are of substantial value to Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company.

This Agreement shall be governed by and construed according to the laws of the State of New York.

This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.

Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address.

If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effort.

The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.


  1. Client will need a Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc…)
  2. Client agrees to maintain a “credit monitoring system” and provide Instant Credit Hacks access to that account. If client fails to keep an active monitoring account and fails to provide credit results, client’s file shall assess a $100 cancellation fee.
  3. Client agrees to forward all mail received regarding their credit file to Instant Credit Hacks.


Instant Credit Hacks offers no guarantee as to a specific result from the use of our services. Instant Credit Hacks is hired for the consultation and attempted repair or removal of each item on which the client chooses for us to work. Instant Credit Hacks requires the client to keep an active credit monitoring system. Each month, Instant Credit Hacks will update that monitoring account, and the client will be invoiced for the items that have been repaired or removed in the previous month. This charge will happen only after the removal or repair of an item as defined in the Terms of Service, and clients will be billed or charged for those items in accordance with the terms set forth in the Terms of Service.




A client has full authority to cancel this agreement anytime within the first 30 days with no fees. If that time period has passed, client will be liable for fees related to completed work. This will include any fees for deletions or repairs that have occurred on the client file excluding the client audit fee.

Upon the decision to cancel, client will be notified of their final file review date. At that point, Instant Credit Hacks will review the file for any deletions or repairs. Client will be billed for any deletions or repairs and the file will be closed. If no deletions or repairs have occurred, then no fees will be assessed, and the client file will be closed.


You may cancel this contract without penalty or obligation at any time before midnight of the 30th business day after the date on which you signed the contract.

You may cancel this contract, without penalty or obligation; within thirty (30) days after the date you sign this agreement.

If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt of your cancellation notice.

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to Instant Credit Hacks at address below, not later than midnight of the 5th day after your enrollment payment is received.

Instant Credit Hacks

340 SE 3rd Street

Miami, FL 33131


All clients of Instant Credit Hacks must read and understand the following statements.

  • Client understands this is a binding agreement and failure to make the payment for completed services can result in negative activity to client’s credit file.
  • Instant Credit Hacks also reserves the right to file the proper paperwork in attempt to obtain a Judgment for the amounts owed plus any legal fees.
  • Either party may cancel this agreement at any time, cancellation must be sent in formal written format. Notice shall not be considered received unless confirmation of receipt has been received by all parties.
  • Instant Credit Hacks shall, within the course of 1 to 3 business days of signup, set up clients with their online private client site which will allow them to check progress throughout their service.
  • A username and password will be provided to the client to access their online private client site.
  • Instant Credit Hacks will prepare client audit within 3 – 5 days and deliver via electronic means (email) before audit fee is charged.
  • Instant Credit Hacks shall prepare challenges for items appearing on the customer’s credit reports in accordance with the FCRA.
  • Instant Credit Hacks will submit transmittals of challenges within 7 business days of receipt of credit information and executed disclosure and agreement from customer.
  • After each consecutive round of service, Instant Credit Hacks shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act.
  • All items repaired or removed will be posted to the client’s private client site, which is accessed online by username and password provided to client upon initiation. This posting will be made BEFORE any charge is created for the deletion or repair that item.
  • Instant Credit Hacks shall assist client in determining the action to take with each account in regard to that client’s file. Instant Credit Hacks is available to review the client’s personal credit file by calling the customer service numbers provided upon enrollment.
  • Client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.
  • Client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.
  • Instant Credit Hacks shall also provide a client services staff for assistance in answering questions regarding a client’s account.
  • Instant Credit Hacks will ONLY challenge items as legally allowed.


Our pricing is set out in clear terms on our site and in this agreement.

Gold Hack

Our Gold Hack includes everything you need for most standard credit restoration issues and allows you to dispute each item on your credit report that you feel is inaccurate, misleading, incomplete, and/or unverifiable in any way.

Here’s how the Gold Hack pricing works:

  • The Gold Hack Plan is $147.00 for your first work fee and then $99.00 monthly until work is completed.

Platinum Hack

The Platinum Hack Plan includes everything in our Gold Hack plan plus several additional cutting-edge components which formulate a multi-tiered approach designed to yield the best possible results faster.

Here’s how the Platinum Hack pricing works:

  • The Platinum Hack Plan is $997.00 upfront fee plus a $47 setup fee.



  1. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
  2. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
  3. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
  4. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
  5. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
  6. If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
  7. The Federal Trade Commission regulates credit bureaus and credit repair organizations.
  8. For more information contact:
  9. The Public Reference Branch Federal Trade Commission Washington, D.C. 20580
    • (a) Separate Statement Requirement-The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.
    • (b) Retention of Compliance Records-In general-The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.
  10. Maintenance for 2 years-The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.


All clients of Instant Credit Hacks must read and understand the following statements.

  • All prices are per item and per bureau. A removal of ANY item from ANY bureau counts as ONE (1) removal. The deletion of an account from all three credit bureaus counts as THREE (3) deletions.
  • A “removal” is defined as an item, tradeline, personal information, or inquiry that is removed from any of the client’s three credit files for ANY reason during our service.
  • A “repair” is defined as any “formerly negative” tradeline or any of the client’s credit files that, during our service, becomes a “positive” tradeline. This could include but is not limited to removal of “late notations” or “status change”.


  • Create a unique, secure interactive client web portal for online access.
  • A username and password will be provided to the client to access their online private client site.
  • Create a secure online environment as part of the client web portal for secure document sharing and transfer.
  • Assist client in obtaining copy of credit report if needed.
  • Analysis and review of client credit report.
  • Enter Data from client’s credit report into internal database.
  • Enter Data from client’s credit report into secure interactive client web portal.
  • Enter client’s information into secure web portal for tracking purposes.
  • Provide client link to perform opt-out to reduce junk mail.
  • Analysis and review of client file status updates.
  • Instant Credit Hacks shall also provide a client services staff for assistance in answering questions regarding a client’s account.
  • Update client secure interactive web portal with most recent updates and/or notes.
  • Receiving and processing of Manual Updates.
  • Respond to, receive, and or initiate correspondence via telephone, mail, email, or fax.
  • Review clients credit report updates to determine next step.
  • Create strategic plan to assist clients in meeting their goals.
  • Create dispute letters.
  • Assist with credit questions.
  • Provide ongoing credit education.

We would like to take this time to thank you for trusting Instant Credit Hacks to help you through this difficult time. We are glad you have given us the chance to help, and we look forward to a successful relationship together.