The agreement that keeps it fair.

By requesting an evaluation, enrolling in services, or providing your contact information, you agree to these Terms & Conditions and our Privacy Policy. A signed service agreement is required of all clients before work begins.

Microflair Financial is a credit repair organization as defined by the CROA. Consistent with federal law:

• We do not charge or accept payment for any credit repair service before that service is fully performed.
• We do not make any guarantee or promise of specific results, score increases, or the removal of accurate, verifiable information from your credit file.
• You have the right to dispute inaccurate information directly with the credit bureaus at no cost.

We audit your credit file for inaccurate, incomplete, or unverifiable items and file disputes with the credit reporting agencies on your behalf under the FCRA. We do not provide legal counsel. The outcome of any dispute depends on the accuracy and verifiability of the disputed information and the bureaus' responses.

Fees for each package are disclosed before enrollment. In accordance with the CROA, no fee is charged until the associated service has been performed. Recurring monitoring subscriptions (e.g., IdentityIQ® Secure Pro / Secure Max) are billed by the monitoring provider per its published terms.

By providing your mobile number and consenting, you authorize Microflair Financial to send SMS messages via a registered A2P 10DLC business number in compliance with the TCPA and CTIA guidelines.

• Purpose: updates on your evaluation and dispute results.
• Frequency: approximately 2–4 messages per month.
• Msg & data rates may apply. Carriers are not liable for delayed messages.
• Reply STOP to opt out; reply HELP for assistance.

You may cancel services at any time. To cancel, email support@microflairfinancial.com. Cancellation does not relieve you of charges for services already performed. To cancel SMS messaging, reply STOP at any time.

You agree to provide accurate information and, where requested, upload a current credit report. You understand that we cannot dispute items you do not disclose and that you must forward bureau responses to us promptly so we may continue work.

Microflair Financial is not liable for the accuracy of information held by credit bureaus, for bureau decisions, or for any actions taken by third parties. Our aggregate liability is limited to the fees you have paid for the service at issue.

Results vary based on your unique credit file and bureau responses. We make no representation that any specific item will be removed or that your score will increase.

These terms are governed by applicable U.S. federal law and the laws of the state in which you reside, without regard to conflict-of-laws principles.

Questions about these terms? Email support@microflairfinancial.com.