Credit Advise 120‑Day Guarantee
Credit Advise programs are designed to help consumers dispute questionable negative or erroneous information on their credit reports through education, AI technology-assisted tools, and dispute support.
Because meaningful credit improvement requires time and consistent participation, all Credit Advise programs include a minimum 120-day service commitment period.
Clients enrolling in a Credit Advise program agree to remain actively enrolled for the first 120 days of service. During this period, clients must maintain active participation in the program and remain in good standing with their account.
Credit Advise programs are structured as 12-month memberships with automatic renewal, subject to the cancellation provisions outlined below.
Cancellation Policy
Credit Advise maintains a no-refund policy. All program fees are non-refundable due to immediate access to our software, platforms, AI tools and technology. All program fees are considered earned once the consumer has been granted access and/or usage of the Credit Advise platform; regardless of success.
However, clients may cancel their agreement under the following conditions.
Clients may request cancellation only during the cancellation window between Day 121 and Day 127 following the date of their first successful payment that activated the account.
Cancellation requests must be submitted in writing within this seven (7) day window. Requests received before Day 121 or after Day 127 will not be eligible for cancellation until the end of the 12-month term.
In the event that the subscriber chooses to cancel within the window, Credit Advise does not guarantee reentry into our programs.
Conditions for Cancellation Eligibility
To qualify for cancellation during the Day 121–127 window, clients must meet all of the following conditions:
The account must remain active and in good standing for the full 120-day participation period.
All program payments must be made on time and in full without fail.
The client must not have created or caused any new derogatory items to be added to their credit report after enrollment.
The client must have provided all required identity verification and onboarding documentation requested by Credit Advise.
The client must not have missed payments, initiated chargebacks, or otherwise violated the service agreement.
If these conditions are met, the client may cancel the program during the eligible cancellation window.
After the Cancellation Window
If a cancellation request is not submitted between Day 121 and Day 127, the agreement will continue for the remainder of the 12-month program term and automatically renew thereafter unless cancelled according to the renewal terms outlined in the service agreement.
Credit Advise Legal Disclosure & Consumer Rights Notice
Credit Advise provides technology-assisted credit education, dispute tools, and financial guidance designed to help consumers address questionable negative information appearing on their credit reports.
Credit Advise does not guarantee specific credit score increases or the removal of any accurate information from a consumer's credit report. Results will vary based on each client's credit history, documentation, participation, and the response of creditors and credit reporting agencies.
Credit Advise services are designed to assist, guide, and provide tools that help clients take steps toward improving their credit profile.
Credit Advise cannot and does not alter accurate information reported by creditors or credit bureaus.
Consumer Credit Rights
Consumers have the legal right to dispute inaccurate or unverifiable information on their credit reports directly with credit reporting agencies without the assistance of a third-party service.
You are not required to purchase any credit improvement services in order to dispute information on your credit report.
Consumers may obtain a copy of their credit report from credit reporting agencies and may dispute inaccurate information on their own at no cost.
Credit Advise provides assistance, technology tools, and educational resources designed to make this process easier and more structured.
No Guarantee of Results
Credit Advise does not guarantee that any specific negative item will be removed from a credit report or that any specific credit score increase will occur.
Credit reporting agencies and creditors ultimately determine whether information will be removed, modified, or verified.
Credit Advise's role is to help guide clients through the process using technology-assisted tools and structured dispute methods.
Client Responsibilities
Clients participating in the Credit Advise program agree to:
Provide accurate and truthful information
Supply any requested documentation necessary to initiate disputes or account reviews
Maintain good standing in their program payments
Avoid creating new derogatory credit activity during the program
Failure to meet these responsibilities may affect program effectiveness.
120-Day Program Commitment
Credit Advise programs include a minimum 120-day participation commitment designed to allow sufficient time for disputes, creditor responses, and credit reporting cycles to occur.
Clients agree to remain actively enrolled for the first 120 days of service in order to properly evaluate the program.
Cancellation eligibility is governed by the terms set forth in the Credit Advise service agreement.
Important Notice
Credit Advise is a credit education and assistance service. We do not act as a credit bureau, lender, debt collector, or legal representative. Our services are intended to help guide consumers through the credit improvement process using modern tools, automation, and financial education.
Contact
Credit Advise — Omni Group
9625 Macleod Trail SW, Calgary, Alberta T2J 0P6
Phone: 1-866-530-3646
Email: info@creditadvise.ca