TERMS AND CONDITIONS
Terms and Conditions
C&E Credit Solutions
Effective Date: October 3, 2026
Welcome to C&E Credit Solutions. By accessing or using our website at https://cecredit.solutions, you acknowledge these Terms and Conditions.
These terms describe our website, general services, communication practices, and important consumer disclosures. Clients who enroll in paid services will receive a separate written service agreement.
1. Our Services
C&E Credit Solutions provides credit education, credit report analysis, document preparation, credit dispute assistance, and personalized guidance designed to help consumers understand and improve their credit profiles.
Depending on the service program selected, our services may include:
Reviewing consumer credit reports to identify potentially inaccurate, incomplete, unverifiable, or obsolete information.
Assisting consumers in preparing correspondence to credit reporting agencies, creditors, debt collectors, and other appropriate entities.
Educating consumers about credit reporting, payment history, credit utilization, and responsible credit management.
Providing personalized credit improvement strategies and mortgage-readiness education.
Reviewing investigation results and correspondence received from credit reporting agencies and furnishers.
Providing ongoing educational support and guidance throughout the service period.
Specific services, fees, and estimated service durations are established in each client's written service agreement.
2. Client Enrollment and Agreements
Before beginning paid credit services, clients must complete the required enrollment process and receive or execute applicable documents, including:
Credit Services Agreement
Authorization for Credit Services and Dispute Assistance
Consumer Credit File Rights Under State and Federal Law
Notice of Cancellation
Other disclosures or authorizations required by applicable law
These website Terms and Conditions do not replace any legally required agreement, disclosure, or cancellation notice.
3. Client Responsibilities
Clients are expected to participate actively in the services they receive.
Responsibilities may include:
Providing accurate, complete, and truthful information.
Supplying requested documents and supporting evidence when necessary.
Maintaining access to current credit reports and any credit monitoring service required by their individual agreement.
Promptly forwarding correspondence received from credit reporting agencies, creditors, and debt collectors.
Notifying us of changes to contact information or circumstances affecting their credit.
Reviewing educational recommendations and taking appropriate steps toward their financial goals.
Failure to provide necessary information or maintain required services may delay or limit our ability to provide assistance.
4. Credit Monitoring Services
Certain service programs may require an active third-party credit monitoring subscription to obtain updated credit information and evaluate changes in credit reporting.
When required, clients are responsible for maintaining their subscriptions as described in their signed agreements.
Third-party monitoring providers operate independently of C&E Credit Solutions and may have their own pricing, terms, and cancellation policies.
5. Fees and Payments
Service fees, payment schedules, billing arrangements, and applicable payment obligations are disclosed in each client's written service agreement.
All charges and payment practices are subject to applicable federal and state consumer protection laws.
Nothing in these Terms and Conditions authorizes the collection of fees prohibited by law.
6. Right to Cancel
Consumers have the right to cancel their credit services agreement without penalty or obligation within the cancellation period provided by applicable law.
Under the federal Credit Repair Organizations Act, consumers generally have until midnight of the third business day after signing their agreement to exercise their statutory cancellation right.
Additional protections may apply under Arizona law or other applicable state laws.
Specific cancellation instructions and the required Notice of Cancellation are provided with the client's written agreement.
Nothing in these Terms and Conditions limits any statutory cancellation rights.
7. No Guarantee of Results
C&E Credit Solutions is committed to providing professional, diligent, and educationally focused services.
However, we do not guarantee:
Removal of any specific account or negative item from a credit report.
A particular increase in credit scores.
Approval for a mortgage, credit card, auto loan, or other financing.
A specific credit score within a particular timeframe.
Any particular outcome from a credit reporting agency, creditor, or debt collector.
Results depend on individual circumstances, the accuracy and completeness of reported information, responses from third parties, and other factors outside our control.
Accurate, current, and verifiable negative information cannot be guaranteed to be removed.
8. Mortgage Readiness and Financial Education
Our mortgage-readiness services are educational and designed to help consumers understand how credit may affect their ability to qualify for home financing.
C&E Credit Solutions is not a mortgage lender and does not make lending or underwriting decisions.
Mortgage approval, interest rates, loan terms, and eligibility are determined independently by lenders and other applicable parties.
9. SMS Terms and Conditions
SMS Program Name: C&E Credit Solutions
By voluntarily opting in to SMS communications from C&E Credit Solutions, you agree to receive text messages at the mobile number you provided, consistent with the messaging categories to which you have consented.
Types of Messages
Messages may include appointment confirmations, appointment reminders, consultation follow-ups, customer service responses, account and service updates, and other service-related communications.
Marketing and promotional messages, including special offers, educational events, and company updates, may be sent only to individuals who have provided the required marketing consent.
Message Frequency
Message frequency varies depending on your interactions with our company, scheduled appointments, service needs, and messaging preferences.
Message and Data Rates
Message and data rates may apply depending on your mobile carrier and service plan.
Opt-Out Instructions
You may opt out of SMS communications at any time by replying STOP to a text message received from C&E Credit Solutions.
You will receive an opt-out confirmation. No further messages will be sent under the applicable messaging program unless you subsequently provide consent again.
Customer Support
For assistance, reply HELP to a text message or contact C&E Credit Solutions at (602) 325-5426.
Consent
SMS participation is voluntary. Consent to receive marketing or promotional text messages is not a condition of purchasing goods or services.
Providing your mobile number or accepting these website Terms and Conditions alone does not constitute consent to receive marketing text messages.
Privacy and Information Sharing
No mobile information, SMS opt-in data, or text messaging consent will be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.
Authorized communication service providers may process information as necessary to deliver messages and support our communications systems.
Carrier Disclaimer
Mobile carriers are not responsible for delayed or undelivered messages.
Privacy Policy
For additional information about how we collect, use, and protect personal information, please review our Privacy Policy at:
https://cecredit.solutions/privacy-policy
10. Communication and Customer Support
Consultations and client support may be provided through telephone, email, SMS, video conferencing, virtual meetings, or other approved communication channels.
Our regular business hours are:
Monday through Friday: 9:00 AM – 6:00 PM
Saturday: 10:00 AM – 4:00 PM
Sunday: Closed
All hours are Arizona time.
Response times may vary depending on the nature of the inquiry, service demand, and availability of necessary information.
11. No Legal or Tax Advice
C&E Credit Solutions is not a law firm and does not provide legal representation or individualized legal advice.
Our services do not replace the advice of a licensed attorney, tax professional, mortgage lender, or other appropriately licensed professional.
Consumers facing lawsuits, garnishments, bankruptcy, or other legal proceedings should seek assistance from a qualified attorney.
12. Consumer Rights
Consumers have the right to dispute information in their credit reports directly with credit reporting agencies at no cost.
Consumers are not required to hire a credit services organization to exercise their rights under the Fair Credit Reporting Act or other applicable consumer protection laws.
C&E Credit Solutions provides assistance, education, and document preparation services for consumers who choose professional support.
13. Website Information
Information provided on our website, educational materials, blog, and social media platforms is intended for general educational purposes.
We strive to provide accurate and useful information. However, credit reporting practices, lending requirements, and applicable laws may change.
Website content should not be interpreted as a guarantee of results or individualized legal or financial advice.
14. Privacy and Information Protection
We recognize the importance of protecting consumer information.
Personal information collected through our website, communications systems, and enrollment processes is handled in accordance with our Privacy Policy and applicable legal obligations.
Clients should use approved, secure communication methods when submitting sensitive personal or financial documents.
15. Changes to These Terms
C&E Credit Solutions may update these website Terms and Conditions periodically to reflect changes in our services, business practices, or applicable legal requirements.
Updates will be reflected by the effective date published on this page.
Changes to these website Terms and Conditions do not automatically modify an existing signed client agreement or eliminate any statutory consumer rights.
16. Contact Information
For questions regarding our services, agreements, or these Terms and Conditions, please contact:
C&E Credit Solutions
Website: https://cecredit.solutions
Phone: (602) 325-5426
Credit Is Our Passion.
