By purchasing any credit repair or credit consulting service from BlakksUniversity, you acknowledge and agree to the following terms and conditions.

1. No Guarantee of Specific Results

BlakksUniversity provides credit education, consulting, and dispute assistance based on the Fair Credit Reporting Act (FCRA). While we work to challenge inaccurate, outdated, or unverifiable information, specific results cannot be guaranteed. Credit reporting agencies and creditors make the final decision regarding updates or removals.

2. Client Responsibility

Clients agree to provide accurate and truthful information regarding their credit reports, accounts, and personal information. Failure to provide accurate information may affect the effectiveness of the service.

Clients are responsible for:

• Making on-time payments on current accounts

• Following recommended credit rebuilding strategies

• Avoiding new negative credit activity during the service period

3. Service Scope

BlakksUniversity assists with:

• Credit report analysis

• Disputing inaccurate, outdated, or unverifiable information

• Credit education and rebuilding strategies

BlakksUniversity does not create new credit accounts, guarantee funding, or provide legal representation.

4. Payment Terms

All service fees are non-refundable once work has begun. By purchasing a package, the client agrees that payment is for time, knowledge, and services rendered, not for a guaranteed outcome.

Payment plans or buy-now-pay-later options such as Klarna or Afterpay are subject to approval by the payment provider.

5. Client Cooperation

Clients agree to respond to requests for documentation or information when needed. Failure to communicate may delay the dispute process.

6. Communication

Clients may communicate with BlakksUniversity via approved communication channels for updates or guidance during their service period.

7. Compliance

BlakksUniversity operates in compliance with applicable consumer protection laws, including the Fair Credit Reporting Act (FCRA).

Clients understand that credit repair is a process that may take time and varies depending on each individual credit profile.

8. Agreement

By purchasing services from BlakksUniversity, the client confirms that they have read, understood, and agreed to these terms and conditions.