Terms of Service
What we do, what we don’t, how billing works, and how to cancel — in plain English.
The agreement
These terms govern your use of ready2act.work and the services offered on it by We Not Me Financial Group LLC, a Kentucky limited liability company. By using this site or engaging our services, you agree to them.
If you become a client, you will also sign a separate written service agreement. That agreement controls the specific work we do for you, the fees, and the term. Where these terms and your signed service agreement conflict, the service agreement wins.
What we do
We Not Me Financial Group is a credit repair organization as defined by the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq. Depending on the plan you select, we may:
- Review your credit reports from Equifax, Experian, and TransUnion and identify items that appear inaccurate, unverifiable, or outside the reporting period.
- Prepare and send disputes to the credit reporting agencies on your behalf.
- Request validation from third-party collectors where applicable.
- Report the results to you in writing each month.
- Provide guidance on rebuilding credit, and on business credit where that plan applies.
We also publish free educational material and tools on this site. Those are open to anyone and create no client relationship.
What we do not do
Read this section carefully. It is the part most often misunderstood about this industry.
- We are not a law firm and do not provide legal advice. Nothing on this site or in our communications is legal advice.
- We do not guarantee results. No specific score increase, no specific deletion, no specific timeline. Individual results vary, and anyone who promises otherwise is violating the CROA.
- We do not dispute accurate information. If an item is accurate, verifiable, and within the reporting period, it will generally remain on your report and we will tell you so.
- We do not create new credit identities. We will not obtain or advise the use of a CPN, EIN, or any other number in place of your Social Security number on a credit application. That is fraud, and we will end the engagement of any client who asks for it.
- We do not charge advance fees. Ever. See below.
Your rights under the CROA
Federal law gives you specific rights when working with a credit repair organization. These are yours regardless of anything else in this document:
- No advance fees. We cannot and do not charge you before services are performed.
- A written contract describing the services, the total cost, and the term, provided before any work begins.
- Three business days to cancel any signed contract, for any reason, without penalty or obligation.
- A written statement of your consumer rights before you sign anything.
- The right to do this yourself. You may dispute inaccurate information directly with the credit bureaus at no charge. You are never required to use us or anyone else.
Our full disclosures are on the CROA Disclosures page.
Fees and billing
Plan pricing is published on our Services page. Fees are:
- Billed in arrears. You are billed after each 30-day period of active work, never in advance.
- Flat monthly. No setup fees, no hidden charges.
- Payable by the method on file, charged on your billing date each cycle.
Credit monitoring is required and billed separately
You must maintain an active credit monitoring subscription for the entire time we are working your file. Monitoring costs approximately $30/month, is billed directly to you by that provider and not by We Not Me Financial Group, and is how we access your reports, file disputes, and verify results. If your monitoring lapses or is cancelled while work is in progress, we cannot continue and your service will be terminated.
Failed payments
If a payment fails, we will contact you and pause work on your file. If the balance is not resolved within 10 days, we may terminate the engagement. We do not send accounts to collections.
Cancellation and refunds
Your three-day right
You may cancel any signed service agreement within three business days of signing, for any reason, at no cost and with no obligation. Notify us in writing at info@ready2act.work or by mail to the address below.
Cancelling after that
There is no contract minimum and no cancellation fee. You may cancel at any time by emailing info@ready2act.work or calling (502) 325-0167. We will confirm your cancellation in writing.
- Cancellation takes effect at the end of your current 30-day billing period.
- You are responsible for the period during which work was performed.
- You will not be billed for any period beginning after your cancellation.
- We will send you a final written summary of the work performed and the results.
Refunds
Because fees are billed only after services are performed, there is generally nothing paid in advance to refund. If you were billed in error, for a period in which no work was performed, or after you cancelled, contact us and we will refund it. We aim to resolve billing disputes within 10 business days.
We do not offer refunds based on results, because we do not sell results — we sell the work, and we report that work to you in writing every month.
What we need from you
The work depends on your participation. As a client you agree to:
- Provide accurate, truthful information. We will not submit a dispute we have reason to believe is false.
- Keep your credit monitoring subscription active for the full term of service.
- Forward correspondence you receive from bureaus, creditors, or collectors promptly.
- Keep your contact and billing information current.
- Tell us before applying for new credit, so we can advise on timing.
If we cannot reach you or you stop participating, we may pause or terminate the engagement.
Free tools and content
The calculators, charts, letter templates, and educational modules on this site are provided free and as is, for general education. They are not legal or financial advice, and using them creates no client relationship.
The utilization calculator and dispute planner run entirely in your browser — figures you enter are never transmitted to us. See our Privacy Policy.
The bureau pull chart reflects patterns commonly reported by consumers. Issuers do not publish which bureau they pull and it varies by state, applicant, and time. Treat it as a starting point, not a guarantee.
Intellectual property
The content, design, and materials on this site are owned by We Not Me Financial Group LLC. You may use our free templates and tools for your own personal credit matters. You may not resell them, redistribute them commercially, or present them as your own.
Limitation of liability
To the fullest extent permitted by law, We Not Me Financial Group LLC is not liable for indirect, incidental, or consequential damages arising from your use of this site or our services. Our total liability for any claim is limited to the fees you paid us in the twelve months preceding the claim.
Nothing here limits any right you have under the CROA, the FCRA, or other applicable consumer protection law. Those rights cannot be waived, and we do not ask you to waive them.
Governing law and disputes
These terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in Jefferson County, Kentucky.
Before filing anything, please contact us. Most problems are a misunderstanding about scope or billing, and we would rather fix it directly.
Changes to these terms
We may update these terms. When we do, we will change the effective date above and post the revised version here. Material changes affecting active clients will be communicated directly. Continuing to use the site or our services after a change means you accept the updated terms.
How to reach us
We Not Me Financial Group LLC
9402 Ponder Lane
Louisville, KY 40272
Phone: (502) 325-0167
Email: info@ready2act.work
Questions about these terms, your account, or a billing issue — call or write and a person will answer.