Terms of use & purchase
Last updated: October 7, 2026
Our educational products
YouNeedCreditRepair.com is owned and operated by YNCR Solutions LLC. Products are digital education and DIY informational resources. We do not perform credit repair services, submit disputes for you, or provide individualized legal, financial, or tax advice.
Personal use license
A purchase provides a nonexclusive, nontransferable license to use the purchased materials for your own learning and internal business planning. You may adapt designated templates for your own lawful use. Do not resell, redistribute, publish, or share the guides or download links.
Your responsibility
Use truthful information and supporting records. Do not dispute information you know to be accurate, fabricate identities, or misrepresent your circumstances. Business laws, licensing, advertising, and credit-services requirements vary; obtain qualified professional advice before operating a business.
Payments and access
Prices are in US dollars and shown before checkout. Payments are processed by Stripe. Downloads become available after confirmed payment. Keep your download links private. If payment is reversed or refunded, access may be revoked.
Outcomes and rights
No credit score change, deletion, loan approval, income, or business success is promised. These terms do not limit rights that applicable law does not allow us to waive. Review the refund policy before purchasing.
Before the store opens
Purchases are currently unavailable. Final downloadable materials, seller support contact information, and purchase policies must be verified before launch.