top of page
Terms and conditions

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, or insurance. You can receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then investigate and modify, or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's investigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.


The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

Credit Counseling and Repair Services Agreement

This agreement between Payton Consulting Services LLC DBA Payton Credit Services LLC (consultant), here and after “Payton Credit Services LLC” and you, the Client printed and signed herein (also referred to as ”client” “You,” “your,” “his/hers,” “him/her,” “he/she”), an individual who has voluntarily sought out Payton Credit Services LLC who desires to utilize or services and who is willing to provide payment to the company, as set forth herein, in exchange for services rendered as outlined in this agreement. For{ any efforts to be practical, you (the client) must be truthful and diligent in giving the correct information to Payton Credit Services LLC. Payton Credit Services LLC reserves the right to cancel the agreement with any client it believes to be providing false or fraudulent information to us, its creditors, or the credit bureaus. This agreement is legally binding and effective as of the date that you sign this agreement, the client.

Credit Audit: 

The client understands and agrees that they will pay for all costs and fees associated with the credit improvement program. 

You agree to pay a one-time non-refundable Audit fee per person to be charged three days after signing up for our services and is due at that time. Also, you agree to provide a completed packet which will include a copy of the license and recent utility bill or bank statement, plus provide the necessary credit monitoring login from our preferred credit monitoring provider. In exchange for the nonrefundable, one-time Audit fee you will receive the following:

  • Credit analysis report via email 

  • Access to your client portal for 30 days 

  • Educational content

  • File set up 

The client understands the credit analysis will be provided via email and it is the client’s responsibility to retrieve the link from the email you provide at the time of enrollment. The client is required to pay the monthly fee 30 days after the audit fee.

Monthly Service: Within three days after you have signed this agreement, Payton Credit Services LLC agrees to perform the following:

  1. Prepare your monthly written correspondence by mail to the credit bureaus (Transunion, Equifax, and Experian) and collection accounts stating the basis for challenging and disputing the validity and completeness of non-accurate information contained in the file.

  2. Review updated credit reports through your credit monitoring account.

  3. Review all updated documents sent to our company.

  4. Educate you on the credit score improvement process by email, text, or video. 

  5. Educate you on the credit restoration process by email, text, or video. 

  6. Keep your client tracking portal updated with your credit improvement process.

  7. Provide check-ins every 40-45 days per client scheduling link or by phone( Cape Cod and Castle plans only)

  8. Castle plan only: disputes 3 additional bureaus and will issue complaints on clients behalf. Client also provides Payton Credit Services with right to 3rd party communications. 

The client is required to pay the monthly fee 30 days after the audit fee. The cost of these services is per person per month,This agreement is month to month and cancellation should be handled according to the section labeled Cancellation policy. 

Payment policy and Authorization :

  1. The client understands that they are being charged for the previous month's services, as described in the monthly services section. 

  2. The client agrees to pay their monthly fee every 30 days and authorizes PAYTON CREDIT SERVICES  to withdraw the monthly payment automatically using the payment method provided at the time of enrollment. 

  3. PAYTON CREDIT SERVICES accepts debit cards or credit cards as an acceptable form of payment. 

  4. PAYTON CREDIT SERVICES will not change the due date of your payment at any time. If you are late, we will attempt to collect and your normal payment will resume.

  5. PAYTON CREDIT SERVICES  is not required to provide you with advanced notice of withdrawal of your payment as this agreement is the notice that your payment will be due according to the agreement you selected and the invoices/payment reminders provided. 

  6. The client understands that PAYTON CREDIT SERVICES will attempt to capture any failed payments.  If the account is not brought current then we will follow or missed payment process. 

  7. The client agrees to pay a $50 file review fee plus past due balance to resume services if the file is closed for the past 30 days.

  8. If the company closes the account due to non-payment, then we reserve the right to undo the work that has been completed on the file or will send the account to collections for the month(s) of non-payment. 

  9. The client agrees to pay the NSF fee of $35 if payment is made and returned by your financial institution

Missed payment process: Missed payments will be processed on a dunning schedule. Missed payments will be collected as follows:

  • 72 hours after the due date

  • 72hours after the previous attempt

  • 72 hours after the previous attempt

After the third attempt, your file will be closed and may be referred to collections. 

Client Responsibilities:

  1. Credit monitoring: The client agrees to provide PAYTON CREDIT SERVICES  with credit monitoring from our preferred credit monitoring provider during the duration of this agreement as a separate fee to that provider. If you are unable to enroll with the selected credit monitoring provider, you will not be able to utilize us for your credit repair needs. PAYTON CREDIT SERVICES  will not reimburse, pay, or give money towards maintaining credit monitoring. If you are unable to provide us with access to the credit monitoring for longer than 72 hours, we may cancel this agreement, and no refund will be provided. The client understands that credit monitoring services offered are for the use of disputing incomplete, inaccurate, obsolete, unverifiable, misleading, or incorrect information indicated during the audit and not for any other purpose. 

  2. Submission of paperwork: The client agrees to provide PAYTON CREDIT SERVICES with a copy of all correspondence and credit report documentation within seven days through your secure client portal. Failure to do so will result in repeat disputes, prolong your process or cause us to close your file. 

  3. Disputed items: The client represents that items to be disputed to the best of their knowledge are either incomplete, inaccurate, obsolete, unverifiable, misleading, or incorrect. The client understands that Payton Credit Services LLC cannot guarantee the removal of any item. The client understands that PAYTON CREDIT SERVICES  cannot guarantee that your score will increase by any particular amount as each file varies case by case. 

  4. Credit application notification disclaimer: The client agrees that he/she WILL NOT apply for any credit (i.e., credit cards, home financing, automobile financing, personal loans, etc.) at any time during the credit restoration and improvement process unless specifically directed to do so by PAYTON CREDIT SERVICES  or by communicating it to us. Doing so can be counterproductive to the work PAYTON CREDIT SERVICES  is doing on your behalf and could result in negative results. 

  5. Cannot sue: The client understands that PAYTON CREDIT SERVICES is not responsible for any legal actions taken by creditors against the client mentioned in this contract prior, during, or after our services. 

  6. Confidentiality agreement: Due to the nature of this service, the client understands that individuals that are employed by or work with PAYTON CREDIT SERVICES may view their file and its contents. PAYTON CREDIT SERVICES  and its staff/ contractors will take all reasonable measures to ensure that this information will be handled responsibly and confidentially.

Refund Policy: PAYTON CREDIT SERVICES has a zero refund policy. 

Consumer Net Impression Disclosure: Credit Repair Organization's goal is to provide credit repair services to assist the client in achieving an accurate credit report. The client hereby acknowledges that the Credit Repair Organization does not guarantee any specific outcomes or results on behalf of the client but contracts to provide the specific list of services as more fully described herein. Credit Repair Organization does not charge for, nor shall Credit Repair Organization collect for any services, until such services, as detailed in the listed contracted services, are fully provided. Credit Repair Organization does not contract for services to remove accurate and/or verifiable information from the client's credit file. The client hereby acknowledges that active participation in providing the Credit Repair Organization with all requested documents, forms, and information, including investigation results, is essential to providing the credit services for the client. Credit Repair Organization does not provide tax, legal, or financial advice. If you need any legal assistance, you must contact a licensed professional.

Cancellation Policy: The term of this agreement shall be month to month. You, the buyer, may cancel this contract at any time before midnight of the 3rd day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right


po box 135

Bethel, De 19971


The client understands PAYTON CREDIT SERVICES may at any time end the contract in writing if we conclude that no further work is necessary or the client did not adhere to their client's responsibilities.

Cellular Communications: If Client provides PAYTON CREDIT SERVICES with the client’s cell phone number, Client agrees that Payton Credit Services may contact Client on that number using an automatic dialing system, text messaging, or prerecorded or artificial voice to discuss Client’s account, including current or possible future services, customer service, or billing. The client understands that providing the Client’s cell phone number is not required to purchase PAYTON CREDIT SERVICES services and that the client may revoke this permission at any time in writing.  

Limited Liability: 

PAYTON CREDIT SERVICES  cannot be held liable for any lost profits, savings, or incidental, indirect, or damages stemming from your use of PAYTON CREDIT SERVICES’ service or breach of this agreement.

Arbitration Clause: Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.

Governing Law and Jurisdiction: If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of the DELAWARE state.

Acknowledgment of Receipt of Notice

I, the client, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm the fact that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights.

*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site:       

The Tine House Plan 
$149 to start due with 3 days of enrollment
$69 a month every 2 or 4  weeks until cancellation or 6 months whichever happens 1st. 

The Cape Cod Fees
$199 due within 3 days of sign up
$ 99 Due 30 days thereafter until cancellation or 6 months. Whichever happens 1st.

The Castle Plan Fees
$199 due as an enrollment fee
$199 a month every 2 or 4 weeks until the cancellation of 6month contract, whichever comes first. 

Real Estate Agent Disclosure

The owner of this company, Shannon Payton, is an independent contractor with Exp Realty Delaware, as a licensed Delaware Realtor, Licensed # RS-0023403. The opinions expressed and materials provided are for general information only. Any communication or agreement for Credit repair is not a solicitation for services if you are already in a working relationship with a REALTOR. 

Affiliate Disclosure/Disclaimer 
Payton Credit Services LLC and or Payton Consulting Services LLC may receive compensation for services that you purchase from this page. This compensation does not cost you anything and we only promote what we believe will help you grow. 

bottom of page