Terms of Service
Last updated: September 13, 2026
These Terms of Service govern your use of The Credit Avenue's website and services. By using this website or engaging our services, you agree to these terms.
About Our Services
The Credit Avenue is a credit repair organization operating as a DBA of Avenue Collective, LLC, in Kentucky. We review your credit reports, identify inaccurate or obsolete information, and create dispute correspondence on your behalf. We act as your advocate throughout the credit dispute process.
No Guarantee of Results
The Credit Avenue does not guarantee the removal of any specific item from your credit report or any specific increase in your credit score. Outcomes vary based on individual credit history and the decisions of credit bureaus, creditors, and collection agencies. We do not control those decisions.
Your Right to Repair Your Own Credit
You have the right to dispute inaccurate information on your credit report yourself, for free, directly with the credit bureaus. You do not have to hire The Credit Avenue or any credit repair company to exercise that right.
Communication
All communication between you and The Credit Avenue is conducted via email and the client portal. We do not conduct consultations or sales by telephone.
Payment Terms
No credit repair fee is charged or collected before services for that billing period have been fully performed. Credit monitoring fees are paid directly to myScoreIQ and are separate from The Credit Avenue's services.
Cancellation
You may cancel your contract within 5 business days of signing it without penalty or obligation. See our Refund and Cancellation Policy for details.
Affiliated Business Relationship
The Credit Avenue and Avenue Real Estate Group are affiliated through common ownership and related Avenue branding. You are not required to use Avenue Real Estate Group or any specific agent, lender, or service provider. Your choice of provider will never affect your ability to work with The Credit Avenue. No referral fees are paid or accepted between The Credit Avenue and Avenue Real Estate Group.
Affiliate Disclosure
If you sign up for credit monitoring through a link on this site, The Credit Avenue may receive compensation. The monitoring provider sets its own pricing, terms, and cancellation policies. You are not required to use any provider we link to and can choose another monitoring service.
Limitation of Liability
The Credit Avenue acts as your advocate throughout the credit dispute process. We do not control decisions made by credit bureaus, creditors, or collection agencies. We are not liable for the actions, decisions, or outcomes determined by those third parties. Nothing in these terms waives your rights under the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), or applicable state law.
Contact
For questions about these terms, contact us at hello@thecreditavenue.com.