Terms & Condition

1. Acceptance of Terms

By using our website or services, you agree to these Terms.
If not, discontinue use immediately.

MRM Advantage provides multiple financial and credit services. Each bullet now includes a description:

Credit Report Analysis
We examine all three bureau reports to identify inaccurate, outdated, or unverifiable items.
Dispute Preparation & Submission
We prepare tailored disputes and communicate with credit bureaus and creditors on your behalf.
Inquiry Deletion Services
We challenge unauthorized or inaccurate credit inquiries.
Personal Information Correction
We correct name variations, outdated addresses, or incorrect employer info.
Negative Item Review
We challenge collections, charge-offs, late payments, and public records when possible.
Ongoing Credit Coaching
We provide education on utilization, payments, credit age, and growth strategies.

Funding Pre-Qualification
We review your credit and financials to assess your eligibility.
Lender Matching
We identify lenders suitable for your credit profile and business needs.
Application Guidance
We walk you through the application process so you know exactly what lenders expect.
Underwriting Preparation
We teach you what documentation lenders look for and how to structure your file.
Business Credit Education
We provide strategies to build or strengthen business credit.

One-on-One Sessions
Personalized discussions to review your progress and adjust strategies.
Custom Action Plans
Tailored steps to help improve personal and business credit.
Financial Education
Insight into budgeting, utilization, credit-building tools, and long-term planning.

Appointment Scheduling
Allows clients to book consultations online.
Digital Forms & Submissions
Used for onboarding and intake.
Educational Articles & Resources
Helping clients understand credit and funding topics.

Each bullet below includes a description:

No Guaranteed Deletions
Dispute outcomes depend on credit bureau investigations—not our control.
No Guaranteed Score Improvement
Many factors affect credit scores, including client behavior and creditor reporting.
No Guaranteed Funding Approvals
Approval depends solely on lender criteria.
No Guaranteed Funding Amounts
Lenders decide how much they offer based on risk and underwriting standards.
No Guaranteed Timelines
Credit bureaus have up to 30–45 days to investigate disputes; lenders set their own review timelines.

Each requirement includes a description:

Provide Accurate Information
Incorrect data may delay or limit your results.
Maintain Credit Monitoring
Required to track updates and disputes.
Avoid Late Payments
New negative entries can cancel progress.
Avoid Excessive Inquiries
Hard pulls may lower scores or complicate disputes.
Respond Promptly
Providing documents quickly helps maintain service flow.

Service Fees Must Be Paid Before Work Begins
Work starts immediately after payment.
Payment Plans Must Be Followed
Failure to pay may lead to service delays or termination.
Chargebacks Are Prohibited
Filing a chargeback is a violation of these Terms.

Work Begins Immediately
Reviewing credit reports, building your file, and preparing disputes are part of the paid service.
Administrative Time Is Non-Refundable
Research, analysis, and file setup cannot be undone.
Disputes May Already Be Sent
Once service is in motion, refunds are not permitted.

We Do Not Lend Money
We offer consulting and preparation services only.
Banks Make the Final Decision
We cannot influence lender decisions.
Funding Requirements Are Determined by Lenders
Factors include credit score, income, business age, and risk.
Your Actions Affect Eligibility
Late payments, high utilization, or new debt may reduce your chances.

Website Content Ownership
All text, logos, images, and videos belong to MRM Advantage.
Prohibited Use
Clients may not copy, resell, or distribute any material without permission.

No Unauthorized Access
Attempting to hack or access restricted areas is prohibited.
No Copying of Website Material
Content cannot be duplicated without written consent.
No Misuse of Forms
Submitting fake or fraudulent information is not allowed.

We Are Not Responsible for Indirect Losses
Includes lost income, lost opportunities, or credit score changes.
Maximum Liability Is Limited
If a claim arises, the maximum compensation is the cost of services paid within the last 90 days.

All disputes must be handled under:

We may terminate services for:

All outstanding balances remain due.

MRM Advantage
333 N University Dr #404, Plantation, FL 33324
support@fastfreedomacademy.com
(786) 582-5373