Terms and Conditions

By visiting our website, submitting a form, scheduling a consultation, enrolling in services, signing an agreement, making a payment, or communicating with Valerus Enterprises LLC or NextLevel Credit Repair, you agree to these Terms and Conditions.

If you do not agree with these Terms, do not use our website, submit your information, or enroll in our services.

Valerus Enterprises LLC operates NextLevel Credit Repair, a credit education, credit repair, and funding-positioning company. Our goal is to help clients improve their credit profile, correct inaccurate or unverifiable information, build stronger credit habits, and position themselves for future personal or business funding opportunities.

Credit repair is not the final goal. Credit repair is a qualification tool designed to help clients become better positioned for approvals, funding, credit cards, loans, housing, auto financing, and other financial opportunities.

Our services may include, but are not limited to:

• Credit report review and credit profile analysis
• Credit repair strategy
• Preparation and submission of dispute letters
• Dispute tracking and follow-up
• Client coaching and credit education
• Credit monitoring guidance
• Funding readiness education
• Credit building recommendations
• Client portal access
• Document collection and account updates
• Communication through phone, email, text message, live chat, and client portal

We do not provide legal, tax, accounting, or financial investment advice.

Valerus Enterprises LLC and NextLevel Credit Repair do not guarantee:

• A specific credit score increase
• Removal of accurate, verified, or legally reportable items
• Approval for credit cards, loans, funding, housing, auto financing, or any financial product
• A specific timeline for results
• Any specific lender, bank, creditor, or bureau decision

Results vary based on each client's credit profile, documentation, creditor responses, credit bureau investigations, payment history, utilization, account age, new accounts, inquiries, and other factors outside of our control.

We work to challenge inaccurate, unverifiable, outdated, incomplete, duplicate, or questionable information using rights available under consumer protection laws, including the Fair Credit Reporting Act.

To receive the best possible service, you agree to:

• Provide accurate personal information
• Maintain active credit monitoring if required
• Upload requested documents in a timely manner
• Forward credit bureau, creditor, collector, or identity verification letters to us
• Respond to requests for information
• Keep your contact information updated
• Avoid taking actions that harm your credit profile while enrolled
• Make payments according to your selected plan
• Be honest about your credit history, current debts, goals, and financial situation

Failure to cooperate may delay or limit your results.

Credit monitoring may be required for enrollment and ongoing service. Credit monitoring allows us to review updated credit report data, track changes, and prepare disputes or recommendations.

Credit monitoring services may be provided by third-party platforms. You are responsible for maintaining access to your credit monitoring account and understanding any separate charges, trial terms, or subscription terms from the monitoring provider.

Credit repair service pricing may include:

• $700 one-time payment, or
• $110 per month payment plan, with the remaining balance due upon completion, unless otherwise stated in your signed agreement or checkout terms.

Pricing may vary based on promotions, service level, signed agreement, or payment processor terms.

All payments are subject to the terms of the payment processor used at checkout.

Because credit repair and consulting services involve time, labor, analysis, strategy, onboarding, dispute preparation, administrative work, and client support, payments may be non-refundable once work has started, unless otherwise required by law or stated in your signed service agreement.

Any refund request will be reviewed based on:

• Whether work has already started
• Whether disputes were prepared or submitted
• Whether client onboarding was completed
• Whether the client failed to provide required information
• Whether the request falls within any legal cancellation period

Nothing in this policy is intended to waive any rights you may have under applicable federal or state law.

You may have the right to cancel your credit repair service agreement under applicable law. Any cancellation rights, deadlines, and procedures will be provided in your client agreement and/or cancellation notice where required.

If you wish to cancel, contact us at:

Email: khalil@valerusenterprises.com

Phone: 786-432-0057

We may educate clients on how to become better positioned for funding. This can include credit profile improvement, utilization strategy, credit building, account mix, positive payment history, inquiry management, and lender-readiness education.

We are not a lender. We do not make credit decisions. We do not guarantee approval. Any approval, denial, limit, rate, or funding offer is determined solely by the lender, bank, creditor, or financing provider.

By submitting your phone number through our website, intake form, booking form, client portal, live chat, checkout page, or any other Valerus Enterprises LLC or NextLevel Credit Repair form, you agree to receive SMS/text messages from Valerus Enterprises LLC and/or NextLevel Credit Repair.

Messages may include:

• Appointment reminders
• Credit repair updates
• Client onboarding instructions
• Credit monitoring reminders
• Document requests
• Payment reminders
• Service updates
• Account notifications
• Funding readiness updates
• Promotional or educational messages, where permitted

Message frequency varies. Message and data rates may apply.

You may opt out at any time by replying STOP. For help, reply HELP or contact us at 786-432-0057 or khalil@valerusenterprises.com.

Consent to receive text messages is not a condition of purchase.

We do not sell or share SMS opt-in consent or phone numbers with third parties for their marketing purposes.

By submitting your information or enrolling in services, you agree that we may contact you by email, phone, SMS, live chat, client portal, or other electronic communication methods related to your inquiry, account, services, payments, or updates.

You may receive access to a client portal or software platform. You are responsible for keeping your login credentials secure. Do not share your login credentials with unauthorized individuals.

We may use third-party software tools for credit repair processing, document uploads, communication, billing, credit monitoring, CRM management, and workflow automation.

We work to keep our website accurate and updated. However, information may change without notice. Website content is for educational and informational purposes only and should not be treated as legal, financial, or lending advice.

You agree not to:

• Submit false information
• Use our services for fraudulent activity
• Misrepresent your identity
• Interfere with our website, systems, software, or communications
• Copy or resell our materials without permission
• Harass, abuse, or threaten our team members
• Use our service to attempt to remove accurate and verified information improperly

We may recommend or use third-party services, including credit monitoring platforms, payment processors, scheduling tools, CRM systems, dispute software, client portals, funding partners, or affiliate services.

We are not responsible for third-party websites, fees, service interruptions, privacy practices, terms, or decisions.

To the maximum extent permitted by law, Valerus Enterprises LLC, NextLevel Credit Repair, owners, employees, agents, contractors, partners, and affiliates will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of our website or services.

You agree to hold harmless Valerus Enterprises LLC, NextLevel Credit Repair, owners, employees, agents, contractors, and partners from claims, damages, losses, liabilities, costs, or expenses resulting from your misuse of our services, false information, breach of these Terms, or violation of applicable laws.

We may update these Terms at any time. Updates will be posted on this page with a new effective date. Continued use of our website or services after updates means you accept the revised Terms.

For questions about these Terms, contact:

Valerus Enterprises LLC / NextLevel Credit Repair

Email: khalil@valerusenterprises.com

Phone: 786-432-0057

Address: 2200 N Commerce Parkway, Suite 200, Weston, FL 33326

Website: https://valerusenterprises.com