Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
- Credit Service Agreement
- Authorization for Credit Repair Action
- Consumer Credit File Rights (CROA Disclosure)
- Right Of Cancellation Notice
The services we perform may include
- Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
- We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
- You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
- Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
- Credit education and budgeting tools
- Credit monitoring and progress tracking
- Identity theft recovery and fraudulent account removal
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
RETURN POLICY
Wilson Financial and Sons LLC – Return & Refund PolicyEffective Date: 01/01/2025
At Wilson Financial and Sons LLC, our goal is to deliver high-quality financial services, products, and resources that empower our clients. Please review our Return & Refund Policy carefully, which is fully compatible with third-party payment providers including Klarna, Affirm, and Afterpay.
General Policy
Due to the specialized nature of our services—such as credit repair, financial consultations, digital products, and educational resources--all sales are final and non-refundable once services have been initiated or digital access has been granted.
Refund Eligibility
A refund or partial credit may be considered under the following circumstances:
Third-Party Payment Providers (Klarna, Affirm, Afterpay)
If you made a purchase using Klarna, Affirm, or Afterpay, please note:
Non-Refundable Items & Services
The following items and services are non-refundable:
Chargebacks & Dispute Resolution
Initiating a chargeback or payment dispute without first contacting us violates our terms of service and may result in account suspension and additional legal or collection actions.
We strongly encourage all clients to reach out to us directly with any concerns so we can assist in resolving issues promptly and fairly.
Customer Service Contact
If you have any questions regarding this policy or need assistance with Klarna, Affirm, or Afterpay-related purchases, please contact us:
Wilson Financial and Sons LLC
📧 rlwilson@wilsonfinancialandsonsllc.com
📞 (813) 563-1906
🌐 www.wilsonfinancialandsons.com
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
RETURN POLICY
Wilson Financial and Sons LLC – Return & Refund PolicyEffective Date: 01/01/2025
At Wilson Financial and Sons LLC, our goal is to deliver high-quality financial services, products, and resources that empower our clients. Please review our Return & Refund Policy carefully, which is fully compatible with third-party payment providers including Klarna, Affirm, and Afterpay.
General Policy
Due to the specialized nature of our services—such as credit repair, financial consultations, digital products, and educational resources--all sales are final and non-refundable once services have been initiated or digital access has been granted.
Refund Eligibility
A refund or partial credit may be considered under the following circumstances:
- Duplicate payment or billing error on our part
- Failure to deliver the service as outlined in your agreement (with verifiable documentation)
- Cancellation within 24 hours of initial payment and prior to any service being rendered or access being granted
Third-Party Payment Providers (Klarna, Affirm, Afterpay)
If you made a purchase using Klarna, Affirm, or Afterpay, please note:
- You remain responsible for all scheduled payments as agreed upon with the provider.
- Wilson Financial and Sons LLC cannot modify, cancel, or stop payments on your financing agreement.
- If a refund is approved by us, it will be submitted directly to the provider, and the amount will be applied to your account according to their internal refund processes.
Non-Refundable Items & Services
The following items and services are non-refundable:
- Credit repair packages once disputes or investigations have begun
- Digital downloads or eBooks once access has been granted
- Completed one-on-one coaching sessions or consultations
- Administrative fees and processing costs
- Subscription-based or recurring service charges beyond the 24-hour cancellation window
Chargebacks & Dispute Resolution
Initiating a chargeback or payment dispute without first contacting us violates our terms of service and may result in account suspension and additional legal or collection actions.
We strongly encourage all clients to reach out to us directly with any concerns so we can assist in resolving issues promptly and fairly.
Customer Service Contact
If you have any questions regarding this policy or need assistance with Klarna, Affirm, or Afterpay-related purchases, please contact us:
Wilson Financial and Sons LLC
📧 rlwilson@wilsonfinancialandsonsllc.com
📞 (813) 563-1906
🌐 www.wilsonfinancialandsons.com
