Effective date: November 11, 2026
These Terms of Service apply to your use of bhcreditsolution.com and describe how BH Credit Solution LLC (“BH Credit Solution”, “we”, “us”), 20200 W Dixie Hwy, Miami, FL 33180, provides its services. Any services we provide to you are also governed by the separate written agreement you sign with us. If these Terms and your signed agreement differ, your signed agreement and the law control.
Our services
BH Credit Solution helps consumers review their credit reports from Equifax, Experian and TransUnion, identify items that may be inaccurate, incomplete, outdated or unverifiable, and dispute those items with the credit bureaus and with the companies that report them. We also provide credit education and guidance on building positive credit history. We work in English and Hebrew.
We are not a law firm and do not give legal, tax or accounting advice. We are not a lender and do not make or arrange loans. For legal questions about a specific debt or lawsuit, please consult a licensed attorney.
No guarantee of results
We do not and cannot guarantee any specific result, including the deletion or change of any item, any credit score or score increase, any approval for credit, or any timeframe. Credit bureaus and the companies that report information make their own decisions. Accurate, current and verifiable information can lawfully remain on a credit report, generally for up to 7 years, and some bankruptcies for up to 10 years. Results vary from person to person.
Your responsibilities
- Give us true, accurate and complete information and documents.
- Do not ask us to dispute information you know is accurate, and do not use our services to misrepresent your identity. We will never suggest creating a new credit identity, such as using a “CPN” in place of your Social Security number.
- Tell us about letters and responses you receive from the credit bureaus or creditors about items we are working on.
You can do it yourself
You have the right to dispute inaccurate information in your credit report yourself, directly with the credit bureaus, at no cost. You can get your free credit reports at AnnualCreditReport.com.
Written contract and your right to cancel
Before we provide credit repair services, you will sign a written contract that describes the services. Under the federal Credit Repair Organizations Act (CROA), you may cancel that contract without penalty or obligation within 3 business days from the date you sign it. Under the Florida Credit Service Organization Act, you may cancel the contract at any time before midnight of the fifth day after the date of the transaction. To cancel, notify us in writing at BH Credit Solution LLC, 20200 W Dixie Hwy, Miami, FL 33180, or by email at bhcreditsolution@gmail.com.
Consumer Credit File Rights Under State and Federal Law
The following statement is required by the federal Credit Repair Organizations Act (15 U.S.C. 1679c):
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
Today, everyone can also get free credit reports from each of the three national credit bureaus at AnnualCreditReport.com, and more consumer information is available at consumer.ftc.gov.
Florida Credit Service Organization Act
In Florida, credit service organizations are also governed by the Florida Credit Service Organization Act, Florida Statutes sections 817.7001 to 817.706. Among other things, this law requires a written information statement and a written contract describing the services, and it gives you the right to cancel within 5 days as explained above.
Use of this website
The content on this website is general information and education. It is not legal advice and does not create a client relationship. Laws and credit bureau policies change, and every credit file is different. Links to other websites are provided for convenience; we are not responsible for their content.
The text, logos and design of this website belong to BH Credit Solution or are used with permission. Please do not copy them without our written permission.
Limitation of liability
To the extent allowed by law, BH Credit Solution is not liable for indirect or consequential damages arising from the use of this website. Nothing in these Terms limits any right you have under the Credit Repair Organizations Act, the Florida Credit Service Organization Act or any other law that cannot be waived.
Governing law
These Terms are governed by the laws of the State of Florida and applicable federal law.
Changes
We may update these Terms from time to time. The effective date at the top shows when they were last changed.
Contact us
BH Credit Solution LLC
20200 W Dixie Hwy, Miami, FL 33180
Phone and WhatsApp: (786) 520-5550
Email: bhcreditsolution@gmail.com
Office hours: Sunday to Thursday 9:00 AM to 8:00 PM, Friday 9:00 AM to 4:00 PM, Saturday closed.
See also our Privacy Policy.
