Welcome to Renova Credit Co.
By accessing or using our website located at renovacreditco.com, or by enrolling in our credit assistance services, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of our website immediately. These terms apply to all visitors, users, and clients of Renova Credit Co.
Overview & Scope
These Terms & Conditions ("Terms") govern your access to and use of the Renova Credit Co. website, services, and all related content. Renova Credit Co. ("Company," "we," "our," or "us") is a credit services organization operating in compliance with the Credit Repair Organizations Act (CROA), Federal Trade Commission (FTC) regulations, the Fair Credit Reporting Act (FCRA), and applicable Florida state consumer protection laws.
By using our website or enrolling in our services, you acknowledge that you have read, understood, and agree to these Terms. These Terms supplement — and do not replace — your signed Client Service Agreement, which governs the specific service relationship between you and Renova Credit Co.
Services Disclaimer
Renova Credit Co. provides credit education, dispute assistance, and credit-related consulting services. Our services are designed to assist consumers in exercising their lawful rights under the FCRA and other applicable consumer protection laws.
- Review your credit reports across all three major bureaus (Equifax, Experian, TransUnion)
- Identify items that may be inaccurate, outdated, or unverifiable under applicable law
- Prepare and submit professionally drafted dispute correspondence to credit bureaus
- Provide ongoing credit education and strategic guidance
- Offer progress updates and monitoring through our client portal
No Financial or Legal Advice
All content provided on our website — including articles, FAQs, blog posts, videos, and all other materials — is provided for general educational and informational purposes only. Nothing on our website or in our service communications constitutes financial advice, investment advice, legal advice, or any other professional advice regulated by law.
Renova Credit Co. is not a law firm, financial advisor, credit counseling agency, or licensed professional in any regulated financial discipline. Our team does not hold legal or financial licenses authorizing the provision of professional advice.
Eligibility Requirements
To access or use our services, you must meet the following eligibility requirements:
- Age: You must be at least 18 years of age at the time of enrollment.
- Accuracy: You must provide truthful, accurate, and complete information during enrollment and throughout your service engagement.
- Lawful Use: You must not use our services for any fraudulent, deceptive, or unlawful purpose.
- Geographic: Our services are available to residents of the United States. Availability may vary by state.
- Compliance: You must cooperate with our service process and fulfill all client responsibilities outlined in your Service Agreement.
We reserve the right to refuse service, terminate enrollment, or deny access to any individual who does not meet these requirements or who violates these Terms.
CROA Disclosures
Renova Credit Co. operates in full compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. As required by federal law, we provide the following mandatory disclosures:
- Charge any fee before services have been fully rendered (CROA § 1679b)
- Make any untrue or misleading statements about our services
- Advise you to make any statement that is untrue to a credit reporting agency
- Attempt to remove accurate, current, and verifiable information from your credit report
- Engage in deceptive practices prohibited by CROA or FTC regulations
Pursuant to CROA requirements, before any services are performed, you will receive: (1) a written disclosure of your consumer rights, (2) a written service contract containing all required CROA disclosures, and (3) a notice of your 3-business-day right of cancellation without penalty.
Payment & Billing
In accordance with CROA, no fees are charged prior to services being performed. The following billing structure applies to all service plans:
| Billing Event | Timing | Details |
|---|---|---|
| Enrollment | $0 due at sign-up | No payment required at the time of enrollment |
| First Charge | ~7 days after active service begins | Occurs after initial file review and work has commenced |
| Recurring Billing | Every 30 days | Monthly recurring — Basic $99/mo, Premier $139/mo |
| Cancellation Billing | Per notice requirements | 14-day written notice required before next billing cycle |
By enrolling in our services, you authorize Renova Credit Co. to charge your designated payment method for all applicable fees in accordance with the billing schedule above. You represent that you are authorized to use the payment method provided. All amounts are in U.S. dollars.
Cancellation Rights
After the initial 3-business-day cancellation period, you may cancel your service at any time by providing written notice to Renova Credit Co. A minimum of 14 calendar days' written notice is required prior to your next scheduled billing date. Notice provided after this window may result in the processing of the next scheduled billing cycle before cancellation takes effect.
To cancel, send written notice to: [email protected] with "Service Cancellation" in the subject line, including your full name and enrollment date. You will receive written confirmation of cancellation within 3 business days of your request.
Refund Policy
Refunds are not automatically guaranteed and are evaluated on a case-by-case basis at Company's sole discretion. All refund requests are subject to an internal review process.
Approved refunds are processed within 30–60 business days of approval. Refund requests must be submitted in writing to [email protected].
90-Day Performance Guarantee
Renova Credit Co. offers a conditional 90-day measurable progress guarantee. If no measurable progress occurs within 90 days of active service commencement, you may request a refund consideration in accordance with this Section.
The guarantee is considered fulfilled if any of the following occur during the 90-day period:
- Deletion or removal of one or more negative accounts
- Updates or corrections made to any account information
- Accounts marked as disputed by a credit bureau
- Late payments removed, adjusted, or corrected
- Collection accounts updated, corrected, or removed
- Any positive reporting or verification activity on file
Client Conduct & Responsibilities
To protect the integrity of your file and the effectiveness of our dispute process, clients agree to the following responsibilities:
- Accurate Information: Provide truthful, accurate, and complete information throughout the engagement.
- Credit Monitoring: Maintain the credit monitoring service required to track bureau responses during active service.
- Responsiveness: Respond promptly to communications from our team to avoid service delays.
- Non-Interference: Do not submit independent disputes to credit bureaus or contact creditors in ways that conflict with Renova's active dispute strategy.
- No New Negative Activity: Refrain from actions that would add new negative items to your credit file during the dispute process.
Violation of these responsibilities may result in termination of services, voiding of the 90-day guarantee, and forfeiture of any refund eligibility for services rendered.
Intellectual Property
All content on the Renova Credit Co. website — including but not limited to text, graphics, logos, images, educational content, processes, methodologies, client portal features, and software — is the proprietary property of Renova Credit Co. and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, transmit, modify, create derivative works from, publicly display, sell, or exploit any content from our website or services without our prior written consent. Specifically, you may not:
- Copy or resell our dispute letter templates, educational materials, or methodologies
- Reverse-engineer our service processes or technology systems
- Use our brand name, logos, or trademarks without express written authorization
- Scrape, harvest, or systematically collect data from our website or portal
Privacy & Data
Your privacy is important to us. Renova Credit Co. collects and processes personal information — including name, contact details, financial information, and credit-related data — solely for the purpose of delivering our services and operating our business.
- Data Security: We use industry-standard encryption and security measures to protect your personal information.
- No Sale of Data: We do not sell, rent, or trade your personal information to third parties for marketing purposes.
- Electronic Consent: By enrolling, you consent to receive electronic communications including billing notices, updates, and legal disclosures. Electronic records have the same legal effect as written documents.
- GLBA Compliance: Where applicable, we comply with the Gramm-Leach-Bliley Act regarding the privacy of nonpublic personal information.
For full details, please review our Privacy Policy, which is incorporated by reference into these Terms.
Limitation of Liability
To the fullest extent permitted by applicable law, Renova Credit Co., its officers, directors, employees, contractors, and affiliates shall not be liable for:
- Any changes — positive or negative — to your credit score or credit profile
- Any denial of credit, loan, housing, employment, or other opportunity
- Decisions made independently by credit bureaus, creditors, or other third parties
- Indirect, incidental, consequential, special, or punitive damages of any kind
- Any loss arising from reliance on information provided on our website
In no event shall our total aggregate liability to you for any claim exceed the total amount paid by you for services in the three (3) months immediately preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so some of the above may not apply to you.
You agree to indemnify, defend, and hold harmless Renova Credit Co. and its affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising from: (a) your use of our services; (b) your violation of these Terms; (c) false or misleading information you provided; or (d) unauthorized use of our services.
Dispute Resolution & Arbitration
Any dispute, controversy, or claim arising out of or relating to these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), rather than in court. The arbitration shall be conducted in Miami-Dade County, Florida, or by remote proceedings.
Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm. Nothing in this section limits your rights under federal consumer protection laws including the CROA or FCRA.
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida for any disputes not subject to arbitration.
Nothing in these Terms limits or waives any rights you may have under applicable federal consumer protection laws, including but not limited to the CROA, FCRA, Fair Debt Collection Practices Act (FDCPA), or any applicable Florida consumer protection statutes.
Modifications & Updates
Renova Credit Co. reserves the right to update, modify, or replace these Terms at any time. When we make material changes, we will:
- Update the "Effective Date" at the top of this page
- Notify active clients by email at the address on file
- Post a notice on our website for a reasonable period
Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. If you do not agree to updated Terms, you must discontinue use and notify us in writing. We encourage you to review these Terms periodically.
Contact Us
If you have any questions about these Terms & Conditions, wish to exercise your CROA cancellation rights, or need to resolve a billing concern, please contact us through the following channels:
Miami, FL
For cancellation requests, please email with subject line: "Service Cancellation – [Your Full Name]"