Ascend Credit Solutions
These Terms and Conditions govern your use of the services provided by Ascend Credit Solutions ("Ascend," "we," "us"), a credit repair organization located in Atlanta, Georgia. By enrolling in a program, signing our service agreement, or using our website, you agree to these terms.
These terms work together with the written Consumer Credit File Rights disclosure and the service agreement you receive at enrollment. Where a signed service agreement conflicts with these terms, the signed agreement controls.
You must be at least 18 years old to use our services, enroll in a program, or consent to receive text messages from us. By enrolling or opting in, you confirm that you are 18 or older. We do not knowingly provide services to, or send messages to, anyone under 18, and we will close any account we learn belongs to a minor.
Ascend reviews your consumer credit reports and, on your behalf, disputes items that appear inaccurate, incomplete, obsolete, or unverifiable with the credit bureaus, creditors, and furnishers reporting them. A typical engagement includes:
We do not lend money, repair credit by creating a new identity, advise you to make false statements to any credit bureau or creditor, or promise removal of accurate, current information.
The Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq., gives you specific rights when working with any credit repair organization, including Ascend.
You may cancel your contract with Ascend Credit Solutions for any reason within three business days from the date you signed it, at no cost and without penalty. Notice of this right, and a form for exercising it, is provided in writing with your service agreement.
You also have the right to dispute inaccurate information on your own credit report yourself, at no cost, by contacting the credit bureaus directly. Nothing a credit repair organization can do for you costs more than what you can do for yourself, and you are never required to hire anyone to exercise these rights.
You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act, and to report violations to the Federal Trade Commission or to the Georgia Attorney General's Consumer Protection Division.
Consistent with 15 U.S.C. § 1679b(b), Ascend does not charge or collect any fee before the services being paid for have been fully performed. No payment is collected at signup. Your first payment is charged only after your first round of disputes has been prepared and sent on your behalf.
Program pricing is set out in your service agreement. Current standard pricing is a recurring monthly fee billed every 30 days for as long as your file remains active. Promotional and legacy rates may apply where a discount code was used at enrollment, and your agreement reflects the rate you actually pay.
| Stage | What happens |
|---|---|
| Enrollment | You complete onboarding and submit identification documents. No charge. |
| First dispute round | We prepare and send your first round of disputes. No charge. |
| First payment | After the first round has been sent, we send you a secure payment link to begin your monthly billing. |
| Recurring | Your card is charged on the same cycle every 30 days until you cancel. |
Payments are processed by a third-party payment processor. Ascend does not store your full card number. If a payment fails, we will contact you to update your payment method; work on your file may pause until your account is current.
You may cancel at any time. Cancellation within three business days of signing your agreement is free and unconditional, as described in section 3.
After that period, you may cancel by contacting us in writing by email or text. Cancellation stops future billing. Because fees are charged only for work already performed, payments already collected for completed dispute rounds are not refundable, except where required by law or where we have not performed the service you were billed for.
Replying STOP to a text message opts you out of text messaging only. It does not cancel your service or stop billing.
Our ability to work your file depends on your participation. You agree to:
If we cannot obtain the documents or report access needed to work your file, progress will stall and we may pause or close your account.
By providing your mobile number and opting in, you consent to receive text messages from Ascend Credit Solutions about your account, including dispute updates, document requests, appointment reminders, and billing notices. Consent is not a condition of purchasing any product or service.
Message frequency varies, typically two to six messages per month for active clients. Message and data rates may apply. Reply STOP to opt out or HELP for help. Carriers are not liable for delayed or undelivered messages.
How we handle mobile data is described in our Privacy Policy. In short: mobile information and text messaging opt-in data are never shared with third parties or affiliates for marketing or promotional purposes.
Ascend makes no guarantee, representation, or warranty about any specific outcome. We cannot promise that any particular item will be removed from your credit report, that your credit scores will increase by any amount, or that you will qualify for any loan, rate, or product.
Results depend on the accuracy of the information on your reports, the responses of credit bureaus and furnishers, and your own credit behavior during the engagement. Progress figures shared in your monthly updates describe your file only and are not a projection of future results. Accurate, verifiable, and current negative information cannot lawfully be removed and will remain on your report for the period allowed by law.
To the fullest extent permitted by law, Ascend's total liability arising out of or relating to these terms or our services will not exceed the total amount you paid us in the twelve months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including lost credit opportunities, lost profits, or denial of financing.
Nothing in this section limits any right or remedy available to you under the Credit Repair Organizations Act, which may not be waived. Any waiver of a CROA right by a consumer is void and unenforceable under 15 U.S.C. § 1679f.
These terms are governed by the laws of the State of Georgia, without regard to its conflict of law rules. If a dispute arises, we ask that you contact us first so we can try to resolve it directly.
If we cannot resolve it, the dispute will be brought in the state or federal courts located in Fulton County, Georgia, and both parties consent to the jurisdiction of those courts. This section does not limit your right to bring an action under the Credit Repair Organizations Act.
If any provision of these terms is found unenforceable, the remaining provisions remain in full effect. We may update these terms from time to time; the effective date at the top of this page reflects the current version, and material changes will be communicated to active clients.