Effective Date: 29/10/25

1. Agreement to Terms

By using our website or services, you agree to these Terms of Service (“Terms”) between you and Dhillon Partners & Consulting LLC (“Company,” “we,” “us,” or “our”).
If you do not agree, please discontinue use of our website and services.

2. Services

Prime Credit provides credit repair and credit education services in compliance with the Credit Repair Organizations Act (CROA).
We assist clients in identifying and disputing inaccurate or unverifiable items on their credit reports.

3. No Guarantees

We do not guarantee any specific outcome or credit score improvement.
Results vary based on individual credit histories and circumstances.

4. Fees and Payments

All fees will be clearly explained before service begins.
You will not be charged for any service until it has been performed, as required by CROA.

5. Client Responsibilities

You agree to:

Provide accurate information necessary for credit repair services.

Respond to requests for documentation or verification.

Refrain from attempting to create a new credit identity.

6. Cancellation

You may cancel your service at any time without penalty.
Please refer to our Cancellation Policy for details.

7. Compliance with CROA

We comply fully with the Credit Repair Organizations Act.
You have the right to dispute inaccurate information directly with credit bureaus at no cost.

8. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from your use of our services.

9. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict-of-law principles.

10. Contact Us

For questions about these Terms, contact:
OWNER: PARAMVIR DHILLON

LEGAL NAME: DHILLON & PARTNERS CONSULTING LLC

ADDRESS: 2167 SHAW AVENUE CLOVIS, CA 93619

PHONE #: (559)536-4462