Terms and Conditions of Use
Last updated: May 24, 2025
Welcome to The W Consulting Firm. By accessing this website or enrolling in our services, you agree to the terms outlined below. Please read them carefully.
1. Website Use & Disclaimers
Educational Content
The information provided on this website is for general educational purposes only and does not constitute legal, financial, or tax advice. Results may vary depending on your individual circumstances.
Intellectual Property
All content on this website, including logos, images, text, and graphics, is the property of The W Consulting Firm. You may not copy, reproduce, or reuse any content without express written permission.
Limitation of Liability
We do our best to keep all information up to date and accurate, but we are not responsible for errors, service interruptions, or third-party links. Use of this website is at your own risk.
Privacy
We respect your privacy. Any personal information collected via forms or sign-ups is used solely to provide services and will never be sold to third parties. See our Privacy Policy for full details.
2. Client Services & Legal Disclosures
Required Client Documents
Before we begin any credit education or document preparation services, you will be required to review and sign the following:
- Authorization for Credit Repair Action
- Consumer Credit File Rights (CROA Disclosure)
- Right to Cancel Notice
- Client Agreement (outlining service terms, billing, and cancellation)
Scope of Services
The W Consulting Firm offers credit education and document preparation services. We evaluate your credit reports and work with you to identify outdated, inaccurate, or unverifiable information. You decide which items you’d like us to dispute. We prepare all related documentation on your behalf and assist in managing responses from the credit bureaus.
Communication may occur via phone, email, SMS, secure portal, video calls, or other formats during standard business hours.
Billing & Fees
**An additional one time $25 Administrative Fee will be added to the first payment of all plans.
Secure The W Plan™ Billing
- $0 due at sign-up — You’ll receive a free consultation and credit evaluation.
- $169 Monthly Service Fee — Charged only after onboarding is complete. This covers credit file analysis, dispute strategy creation, secure portal activation, documentation prep & Submission. This fee recurs every 30 days until paused or canceled.
You may cancel at any time with written notice at least 7 days before your next billing cycle.
Credit Monitoring Requirement: Active credit monitoring through IdentityIQ ($1 for 7 days, then $24.99/month)is required throughout the duration of your service. We cannot perform services without access to your updated reports.
Refund Policy
We offer a 100% Money-Back Guarantee if, after 12 months of service, we have not successfully removed at least 25% of the negative items you enrolled with — provided you have:
- Maintained active credit monitoring
- Provided updated reports as requested
- Not added new collections, inquiries, or negative items during the process
- Not used another credit repair company within 2 years before enrollment
No Legal Advice
We provide education and document preparation based on federal and state credit laws. We are not attorneys and do not provide legal advice. For legal questions, please consult a licensed attorney.
3. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida. Any legal disputes will be handled within the jurisdiction of Florida.
4. Contact Information
The W Consulting Firm
7901 4th St N, #23665
St. Petersburg, FL 33702
PH. (407) 710-9939
📧 support@mytwcfcredit.com
By using this website or enrolling in services, you confirm that you have read, understood, and agreed to these Terms and Conditions and the accompanying Client Agreement.
Ready to Secure the W?
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.
We don’t play about your future — and we don’t waste time.
If you're serious about fixing your credit, we’re serious about helping you win.