01Who we are and acceptance
These terms govern the use of this website and the initial relationship with Insight Credit Consultants LLC ("Insight," "we," "us"), a company based in Orlando, Florida, USA. By using the site or requesting your evaluation, you accept these terms. If you do not agree, please do not use the site.
Nothing in these terms limits the rights given to you by the federal Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), or Florida law. Any waiver of those rights is void.
02The evaluation is free and does not obligate you
The credit evaluation is free. Requesting it, sending us your information, or talking with us does not obligate you to hire any service or to buy anything.
03How to hire the service
- Credit repair services are hired only through a written contract signed by you and by us. Nothing on this site replaces that contract.
- Before you sign, you receive in writing the "Consumer Credit File Rights Under State and Federal Law" disclosure, as required by CROA, and the information statement required by Florida law (Fla. Stat. §817.703), which includes your right to review and dispute your credit file and the total cost of the service.
- The contract describes the services, the estimated time frames, the fee of $150 per account deleted or corrected (regardless of how many bureaus), the accounts we will dispute, the maximum total you could pay, and how to cancel.
Right to cancel: You may cancel within 5 business days after signing, at no cost. No penalty applies. You will receive a "Notice of Cancellation" form with your contract. You may also notify us in writing at consultants@insightcredit.info.
04Fee model: no upfront payments
We charge nothing upfront. There is no down payment, no monthly fee, and no setup charge. The fee is $150 per account deleted or corrected, charged once per account no matter how many bureaus (Equifax, Experian, or TransUnion) it appears in, and you pay it only after the change appears on an updated report.
- Per account: if the same account is deleted from 1, 2, or 3 bureaus, you pay $150 only once. Your contract lists the accounts we will dispute and the maximum total you could pay.
- "Deleted" means the account no longer appears on the report. "Corrected" means the negative information we disputed (for example, a late payment, the balance, the status, or the date of the account) changed as you requested in the dispute. Changes to personal information (name, address, employer) are not charged.
- We charge only for accounts included in the disputes we prepared for you that changed after those disputes. We do not charge if the account comes off because its legal reporting period ended, if you paid it, or if the creditor deleted it on its own without a dispute.
- If an account for which you already paid us the $150 reappears on your report within 6 months after that payment, we refund that $150.
- We do not guarantee that any account will be deleted or corrected.
- The free evaluation has no cost under any circumstances.
05No guarantee of results
We do not guarantee results. No one can legally remove information from your report that is accurate and verifiable. We do not guarantee:
- that any specific account will be deleted or corrected;
- any credit score or score increase;
- approval of a loan, card, mortgage, or financing (that decision always belongs to the bank or lender);
- any time frame: timing depends on the bureaus, the creditors, and each case.
06You can do it yourself, at no cost
You have the right to dispute inaccurate or incomplete information directly with Equifax, Experian, and TransUnion, and with the company that reports the account, at no cost. You can also file a free complaint with the CFPB at consumerfinance.gov and get your reports for free at annualcreditreport.com. Everything we do, you can do yourself; our job is to save you time and support you through the process.
07How we work and your responsibilities
You file your disputes from your own account, with the credit bureaus and with the CFPB, using the information we prepare for you. We analyze your report, draft the text with you, and follow up with you.
You agree to:
- Give us truthful and complete information, and let us know of any changes.
- Not dispute as false anything you acknowledge is accurate. We only dispute what is inaccurate, incomplete, or cannot be verified.
- Review what we prepare for you before filing it, and share with us the responses you receive.
What we never do
- We do not recommend that you create a new credit identity or use a number other than your SSN or ITIN (for example, a "CPN").
- We do not make false statements to bureaus, creditors, or authorities.
- We are not a law firm and do not provide legal advice.
08Digital guides
- The guides are educational products that are paid for at the time of purchase.
- They are not a credit repair service or legal or financial advice, and they do not guarantee approvals or score increases.
- The information is based on each guide's update date; the terms of banks and issuers may change.
- They are for your personal use: you may not resell them or share them publicly.
Guide refund policy
Because they are downloadable digital products, the guides are non-refundable once downloaded. If the file is damaged or you could not download it, email us at consultants@insightcredit.info within 7 days after purchase and we will send you the file or refund your payment.
08Results shown on the site
The result screenshots we show are of our founder's personal credit; they are not client results, they do not represent what you can expect, and they are not guaranteed. We hide personal data. Your result may be different.
09Use of the site and intellectual property
- You may use this site to get information and to contact us. Do not use it for illegal purposes, to submit false information or someone else's information, or to interfere with its operation.
- The logo, the "Insight Credit Consultants" brand, the "From Debt to Income" tagline, and the text, designs, and materials are the property of Insight Credit Consultants LLC. You may not copy or use them without written permission.
- Equifax, Experian, TransUnion, Credit Karma, WhatsApp, Instagram, Facebook, Meta, and other brands mentioned belong to their respective owners. There is no affiliation, sponsorship, or endorsement on their part.
- Insight Credit Consultants does not make loans or issue cards.
10Privacy and communications
How we use your data and your consent to receive messages are explained in our Privacy policy. You can stop receiving messages by replying STOP.
11Governing law
These terms are governed by the laws of the State of Florida and applicable U.S. federal law, including CROA, FCRA, and Florida's Credit Service Organizations law (Fla. Stat. §817.7001 et seq.). This does not limit the rights given to you by the law of the state where you live.
12Changes to these terms
We may update these terms and will post the new version on this page. Changes do not modify a contract you have already signed, unless we both agree in writing.
Effective 09/28/2026.
13Contact
- consultants@insightcredit.info
- WhatsApp: 689-290-1002
- Orlando, Florida, USA
- Business hours: Mon–Fri 9 a.m.–9 p.m. · Sat 9 a.m.–2 p.m. · Sun closed (Eastern Time)
Insight Credit Consultants LLC · Orlando, Florida, USA