Please read these Terms of Service ("Terms") carefully before using the My Credit Care website located at mycreditcare.org or enrolling in any of our programs. By accessing our website or submitting a consultation request, you agree to be bound by these Terms. If you do not agree, do not use our website or services.
My Credit Care is a financial services company that provides credit improvement services and coordinates access to attorney-backed debt resolution programs through a network of licensed attorneys. We are headquartered in Orange, California.
My Credit Care is not a law firm. We do not provide legal advice. Any debt resolution services involving legal processes are provided by independent licensed attorneys, not by My Credit Care directly.
Our website and services are intended for use by individuals who are 18 years of age or older and who are legal residents of the United States. By using our website, you represent and warrant that you meet these requirements. We reserve the right to deny access to our services to any person who does not meet these eligibility requirements.
My Credit Care offers the following services:
Specific program terms, fees, and eligibility requirements are provided at the time of enrollment and are governed by separate program agreements.
Results vary by client and are not guaranteed. My Credit Care does not guarantee specific credit score increases, removal of negative items, debt reduction, debt dismissal, loan approvals, or any specific financial outcomes. Individual results depend on each client's credit profile, financial history, bureau response times, and program participation.
Under federal law (the Credit Repair Organizations Act), credit repair companies are prohibited from making guarantees about the results of their services. Any company that promises guaranteed deletions or specific score improvements is making claims prohibited by law.
Our role is to provide a structured, compliance-based review and dispute process. We work diligently on behalf of each client, but we cannot control the decisions made by credit bureaus, data furnishers, creditors, or attorneys.
Under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have the following rights:
My Credit Care complies fully with all applicable provisions of the CROA and applicable state credit services laws.
By submitting your phone number through our consultation forms, you consent to receive SMS messages from My Credit Care related to your inquiry or enrolled program. You may opt out at any time by replying STOP to any message. Message and data rates may apply. See our Privacy Policy for full details on how we handle SMS communications.
All content on the My Credit Care website — including text, graphics, logos, icons, and design elements — is the property of My Credit Care and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.
You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the website.
Our website may contain links to third-party websites or reference third-party services. These links are provided for convenience only. My Credit Care does not endorse, control, or assume responsibility for the content or practices of any third-party website or service. Your use of third-party websites is governed by their respective terms and privacy policies.
Our website and the information contained on it are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. My Credit Care makes no representations or warranties regarding the accuracy, completeness, or suitability of any information on the website for any particular purpose.
We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by applicable law, My Credit Care, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of data, loss of revenue, or loss of business opportunities, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the total amount you paid to My Credit Care in the three months preceding the claim.
You agree to indemnify, defend, and hold harmless My Credit Care and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms, or your violation of any rights of another.
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or our services shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to personal jurisdiction in those courts.
We reserve the right to update or modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
If you have questions about these Terms of Service, please contact us at:
My Credit Care
333 City Blvd West, Suite #1700
Orange, CA 92868
Email: info@mycreditcare.org
Phone: (949) 606-1144