FULL DISCLOSURE

ELYSIAN CREDIT GROUP

Full Disclosure

Last Updated: Jan 2, 2025.

Welcome to Elysian Credit Group. We are committed to providing professional credit education, credit consulting, dispute preparation assistance, and credit improvement strategies designed to help our clients better understand and improve their credit profiles.

Please read the following disclosures carefully before purchasing any products or services.

No Guarantee of Results

Elysian Credit Group does not guarantee:

Credit score increases
The deletion of any account
Approval for loans or credit cards
Mortgage approval
Refinancing approval
Employment approval
Rental approval
Faster dispute processing
Specific timelines for results

Every credit profile is unique. Results depend on numerous factors, including the accuracy of information being reported, creditor and credit bureau investigations, the client’s financial behavior, and compliance with applicable laws.

We Are Not a Credit Bureau

Elysian Credit Group is not affiliated with:

Experian
Equifax
TransUnion
FICO
VantageScore
Any bank
Any lender
Any government agency

We cannot alter, remove, or change information appearing on your credit reports unless the reporting entity determines the information is inaccurate, incomplete, unverifiable, or otherwise legally required to be corrected or removed.

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Credit Repair Organization Act Disclosure

Under federal law, you have the right to obtain a copy of your credit report directly from each nationwide consumer reporting agency.

You have the right to dispute inaccurate information on your own without hiring any company.

You are not required to purchase services from Elysian Credit Group in order to exercise your rights under the Fair Credit Reporting Act (FCRA).

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Educational Purposes

Our recommendations, educational materials, downloadable products, templates, AI-assisted tools, and consulting services are intended for educational and informational purposes only.

Nothing provided by Elysian Credit Group should be interpreted as legal advice, tax advice, accounting advice, financial planning, investment advice, or lending advice.

Clients should consult licensed professionals regarding legal, tax, investment, or financial matters.

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AI-Assisted Services Disclosure

Certain products and services utilize artificial intelligence to assist with:

Credit education
Dispute letter drafting
Credit analysis
Credit recommendations
Educational guidance
Personalized action plans

AI-generated recommendations are reviewed as appropriate but should not be considered legal advice or a substitute for professional judgment. Clients remain responsible for reviewing all documents before submission.

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DIY Credit Repair Products

Our DIY products include educational resources, templates, and tools intended to assist consumers in preparing their own credit-related correspondence.

Purchasing DIY products does not establish a client-service relationship for ongoing credit restoration.

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Done-for-You Credit Services

For clients enrolled in our Done-for-You programs, Elysian Credit Group may:

Review credit reports
Analyze credit profiles
Prepare correspondence
Submit disputes on your behalf when authorized
Monitor progress using client-provided credit monitoring
Provide educational recommendations

We do not communicate directly with creditors unless specifically authorized and legally permitted.

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Credit Monitoring Requirement

An active three-bureau credit monitoring account is required before we can:

Perform a complete credit analysis
Develop a personalized credit improvement plan
Recommend dispute strategies
Monitor account changes
Prepare future dispute rounds

We currently recommend SmartCredit or myFICO because they provide comprehensive three-bureau reporting.

Clients are responsible for maintaining their own monitoring subscription.

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Client Responsibilities

Clients agree to:

Provide truthful and accurate information.
Submit requested documentation promptly.
Notify us of changes to their contact information.
Avoid submitting disputes independently while enrolled in our program unless discussed with us.
Inform us if they hire another credit restoration company during the course of our services.
Maintain communication throughout the program.
Continue making payments on valid debts and current accounts unless otherwise advised by a qualified professional.
Review all correspondence sent on their behalf.

Failure to cooperate may delay services.

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Identity Theft Services

Clients requesting identity theft assistance may be required to provide:

Federal Trade Commission Identity Theft Report
Police report, when applicable
Identity verification documents
Supporting evidence

Submitting false identity theft claims is a violation of federal and state law.

Elysian Credit Group reserves the right to refuse services if fraud is suspected.

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Response Time

Although many investigations are generally completed within approximately 30 days after receipt by the credit bureau, actual processing times vary.

Neither Elysian Credit Group nor any client can control the investigation timeline.

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Communication

Our standard response time is generally within one to three business days.

Communication may occur through:

Email
Client Portal
Phone
Text Message
Scheduled Consultation

Business hours may vary.

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Payments

Payment obligations are outlined in your signed Client Service Agreement.

Monthly plans continue according to the agreed schedule unless otherwise stated in your agreement.

Failure to make timely payments may result in suspension or termination of services as permitted by your agreement and applicable law.

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Refund Policy

Unless otherwise required by law or expressly stated in writing:

Digital products are non-refundable once delivered.
Downloadable templates are non-refundable.
Educational products are non-refundable.
Services already performed are non-refundable.

Refund eligibility, if any, is governed by your signed Client Service Agreement and applicable consumer protection laws.

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Electronic Communications

By providing your email address and telephone number, you consent to receive communications regarding your account, appointments, invoices, service updates, and documents electronically.

You may withdraw consent where permitted by law; however, doing so may affect our ability to provide services efficiently.

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Privacy

Your information is treated confidentially and used solely for providing requested services, complying with legal obligations, and improving the client experience.

We do not sell your personal information.

Please review our separate Privacy Policy for additional details regarding information collection, storage, and usage.

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Limitation of Liability

To the fullest extent permitted by applicable law, Elysian Credit Group shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from the use of our services, educational materials, AI-assisted tools, downloadable products, or website.

Our total liability shall not exceed the amount actually paid by the client for the specific service giving rise to the claim, unless otherwise required by law.

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Governing Law

These disclosures shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes shall be resolved in the appropriate state or federal court located within Florida unless otherwise required by applicable law.

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Contact Us

Elysian Credit Group

Website: www.elysiangrp.co

Email: info@elysiangrp.co

Thank you for choosing Elysian Credit Group. We appreciate the opportunity to assist you on your credit improvement journey through education, compliance, and personalized guidance.