Vance Credit · Free Auto Finance Calculator
The Math They Hope You Never Understand
See exactly how your credit score and interest rate shape what a car really costs you.
$0 due today — your card is stored, not charged.
Must match the billing address on file with your card. We use this to verify your card (AVS) and protect against fraud.
Stored securely and not charged today. Your card number is tokenized in your browser and never touches our servers. We accept Visa and Mastercard.
You're charged your plan fee ($99 Dispute / $149 Complete) only in a cycle where your credit report shows a favorable change. No movement, no charge.
No movement · No charge
No upfront fee. No charge for the months nothing changes. No getting locked into paying a company that isn't delivering. If your credit doesn't move, you don't pay.
We know why you hesitated
"Is this just another scam?"
Fair question. So we put it in writing: by law, we cannot charge you a cent before we do the work — and we don't. CROA-compliant, real terms, cancel anytime.
"They'll charge me every month and do nothing."
Not here. A month your report doesn't move is a month you're not billed. The fee is tied to results, not the calendar.
"What if it doesn't work at all?"
Then you pay nothing. Zero. The risk of "what if it doesn't work" is ours to carry — not yours.
"I can't afford to gamble on this."
You're not gambling. $0 today, and you only ever pay when your credit actually improves. It pays for itself out of real results.
Plans
Both plans bill the same way — no movement, no charge. The only difference is how fast your letters travel.
First Class mail
No movement, no charge
No movement, no charge
In any cycle your report shows no favorable change, you are not billed. Full stop.
Faster · Most Chosen
Certified mail · tracked
No movement, no charge
No movement, no charge
Certified speed, same promise — a cycle with no favorable change is never billed.
Federal law under CROA prohibits advance fees for credit repair. Billed only after a cycle your report moves. Individual results vary and are not guaranteed.
See it in real dollars
Most credit repair charges every single month, whether or not your credit budges. Drag the slider and watch what that really costs.
Over the next 6 months, how many actually show progress on your report? 3
A typical company
Charges you every month — results or not
$594
charged over 6 months
Vance Credit
Charges only the months your report moves
$297
charged over 6 months
Illustrative example. "Typical company" shown at $99/mo; actual competitor pricing varies.
How it works
01
Start at $0
Enroll in minutes. We securely store your card — nothing is charged today.
02
We dispute
We challenge the inaccurate, unverifiable, and outdated items across all three bureaus.
03
Your report updates
Each cycle we re-check your report for favorable changes — deletions and improvements.
04
You're billed — only if it moved
A favorable change posts, you're charged for that cycle. None posts, the cycle is free.
Straight answers
If nothing changes, I really pay nothing?
Correct. In any cycle your report shows no favorable change, there's no charge — and you don't lift a finger to claim it.
What counts as "movement"?
A favorable change to your report: a negative item deleted, or a status improved — like a late mark corrected to current.
Can you remove accurate information?
No, and neither can anyone else. We challenge items that are inaccurate, unverifiable, or outdated. Accurate, timely items stay.
Do you promise a specific score increase?
No. No honest company can. We promise the work — and a model where you only pay when your report actually moves.
What's the difference between the plans?
Only the mail. Dispute sends First Class; Complete sends Certified with tracking, which often gets a faster bureau response.
Is there a contract or cancellation fee?
Cancel anytime, no fee. You're never charged for a cycle that didn't move, so there's nothing to claw back.
Store your card, we get to work, and you pay only when your credit report shows it. $0 today.
Vance Credit · Free Auto Finance Calculator
See exactly how your credit score and interest rate shape what a car really costs you.
Vance Credit · Free Credit Calculator
The truth about your credit score.
Higher loan rates, denied jobs, predatory lending, missed investment opportunities — see exactly how much your credit score is costing you across 14+ life areas.
Someone with a 400 credit score loses up to
over 30 years compared to excellent credit
Enter Your Details
Input your credit score, income, and monthly expenses
See Your True Cost
View the lifetime impact across loans, insurance, employment, and more
Take Action
Get a personalized plan to optimize your credit and save thousands
Your Credit Score
Drag to adjust your score
Interest Rate Data
Insurance & Employment
Methodology
Assumptions
These calculations are educational estimates based on industry averages. Your actual costs may vary based on lender, location, and individual circumstances.
Understand how credit impacts every area of your life
Steps to improve your credit score
Check Your Credit Report
Get your free annual credit report from AnnualCreditReport.com and dispute any errors.
Pay Bills On Time
Payment history is 35% of your score. Set up autopay to never miss a due date.
Lower Credit Utilization
Keep credit card balances below 30% of your limit. Lower is better.
Avoid New Credit Applications
Each hard inquiry can drop your score. Only apply when necessary.
Vance Credit Truth Calculator — Educational purposes only. Calculations are estimates based on industry averages; actual costs may vary.
Vance Credit · Free Loan Approval Check
See your real approval odds, rates, and monthly payments for a car loan, mortgage, or credit card — before you apply and risk a hard inquiry.
Vance Credit · Free Budget & Forecast Simulator
Enter your income, expenses, and debts — then watch how small changes reshape your net worth, debt-free date, and retirement over the next 10 years.
Vance Credit · Free Decision Tool
Underwater on your car loan? Get an honest, math-based answer on whether to keep paying or let it go — factoring in your equity, deficiency risk, credit hit, and state law.
You don't pay us a dollar until after we've submitted disputes on your file. No setup fees. No advance charges. No exceptions. That's federal law, and it's how we've built everything.
What your credit score costs you on a $30,000 auto loan
60-month term · Illustrative example · Your terms vary
Rate ranges are illustrative estimates. Your actual rates depend on lender, loan type, down payment, and other factors.
The math nobody shows you
Every loan you take out — car, home, business — comes with an interest rate directly tied to your credit score. The lower the score, the higher the rate. The difference between a 541 and a 680 on a $30,000 car loan can cost you over $10,000 across the life of the loan.
Vance Credit costs you $0 until your report improves; then $99 (Dispute) or $149 (Complete) for that cycle only. That's the math. If inaccurate items on your report are holding your score back, the cost of not addressing them is almost always greater than the cost of addressing them.
No commitment until you decide to enroll. Rates are illustrative.
Score around 541 — subprime range
~$760/month
$30,000 auto loan at ~20% APR (typical subprime range) over 60 months
~$45,600 total paid
Score around 680+ — near-prime range
~$585/month
Same $30,000 loan at ~7% APR (typical near-prime range) over 60 months
~$35,100 total paid
~$10,500
extra cost of a lower score on a single auto loan. Multiply that across a mortgage, a business loan, a second car.
Rate ranges are illustrative estimates based on publicly available market data and vary significantly by lender, loan type, down payment, geography, and individual circumstances.
Goal tracks
Your dispute strategy is built around your actual goal. Auto lenders and mortgage underwriters look at different items. We optimize for your specific finish line.
Declined on a car loan or know your score isn't there yet. We target the items auto lenders weight most heavily — collections, charge-offs, late payments reported in error.
Lenders typically look for 620–640+ · varies by lender→ Return-to-dealer coordination when you reach your target range
Mortgage underwriters look at specific patterns — payment history, utilization, specific derogatory items. We focus the dispute strategy on what mortgage lenders actually flag.
FHA typically 580+ · Conventional typically 620+ · varies by lender→ Milestone report formatted for your loan officer at qualification
Explore Track trending_flatBusiness credit and personal credit are separate systems. Most entrepreneurs don't know they may not have a business credit profile. We build both simultaneously.
Many SBA programs prefer 680+ personal + active business credit profile→ D-U-N-S setup, SBA readiness, business credit card qualification roadmap
Score thresholds are typical lender benchmarks — they vary by lender, loan program, down payment, and individual financial profile. Vance Credit does not guarantee loan approval, specific score changes, or that reaching any threshold will result in credit approval. Individual results vary.
Client outcomes
These are documented outcomes from real Vance Credit clients. Individual results vary significantly. These are not typical results.
"I didn't believe it until I saw the deletions in my portal. Then I went back to the same dealer."
Marcus T. — Houston, TX · 4 months of documented dispute activity
"My loan officer said I needed 620. Vance got me to 641. We closed 6 weeks later."
Danielle M. — Charlotte, NC · 5 months of documented dispute activity
"Had zero business credit. Vance built my Dun & Bradstreet profile while disputing my personal file at the same time."
James R. — Atlanta, GA · 7 months of documented dispute activity
What we dispute
No credit repair company can legally remove accurate, verified information. Any company that tells you otherwise is violating federal law.
Medical collections — especially under $500
New CFPB rules significantly limit reporting of medical debt.
Late payments reported in error
Payments marked late that were actually on-time. Documented with bank records.
Accounts you don't recognize
Possible identity theft, mixed file, or administrative error.
Duplicate tradelines
Same debt showing twice from different collection agencies.
Items past the 7-year reporting limit
Most negative items must be removed after 7 years under the FCRA.
Unauthorized hard inquiries
Inquiries you didn't authorize or that resulted from identity theft.
Accurate, verified bankruptcies
Verified public records cannot be legally removed before their reporting window ends.
Late payments you know happened
Disputing accurate information is a violation of federal law — and it doesn't work.
Accurate charge-offs or repossessions
If it happened and the creditor can verify it, it stays.
Current high utilization
Utilization isn't a tradeline — it reflects your current balance. Pay it down.
Recent accurate collections
Within the 7-year window, verified, accurate — stays on the report.
Plans
Both plans bill the same way — no movement, no charge. The only difference is how fast your letters travel.
First Class mail
No movement, no charge
No movement, no charge
In any cycle your report shows no favorable change, you are not billed. Full stop.
Faster · Most Chosen
Certified mail · tracked
No movement, no charge
No movement, no charge
Certified speed, same promise — a cycle with no favorable change is never billed.
Federal law under CROA prohibits advance fees for credit repair. Billed only after a cycle your report moves. Individual results vary and are not guaranteed.
Every other credit repair model bills you for time or effort — a monthly fee, or a fee per round of letters, whether your report changed or not. We bill for exactly one thing: a favorable change on your credit report. A negative item deleted. An account status improved. That is the only event that ever triggers your plan fee — and until it happens, you pay nothing. No one else in the industry prices this way, because no one else is willing to carry the risk. We are.
In any billing cycle where your credit report shows no favorable change, you are not billed. Not a reduced fee — no fee. Full stop. You don't ask, claim, or prove anything: we verify your report against the prior cycle, and no movement means no charge, automatically.
Your card is stored securely at enrollment and charged nothing. Federal law prohibits advance fees for credit repair — our model goes further: no charge until your report has actually improved.
A charge only ever follows a verifiable favorable change — a deletion or a status improvement you can see on your own report. The proof exists before the payment does. Always in that order.
No contract term, no cancellation fee, no minimum. Cancel within 3 business days of signing for a full refund — your right under federal law. Cancel later, any time, and every improvement stays on your report. It's yours.
Federal law prohibits promising results — and any company that does is telling you who they are.
Accurate information a creditor can verify stays. We challenge the inaccurate, unverifiable, and outdated.
Bureaus control investigation outcomes and timing, not us. What we control is the pressure we apply — every cycle.
We win when your report moves. That's the whole business model.
Every dispute we file and every letter we send is aimed at documented movement on your report — because movement is the only thing we're ever paid for. Your incentives and ours point at exactly the same outcome. That is what standing behind the work looks like.
The guarantees above describe billing and service terms for Vance Credit plans ($99 Dispute / $149 Complete per moved cycle). A "favorable change" means a negative item deleted or an account status improved on your credit report versus the prior cycle. Individual results vary and are not guaranteed; no specific outcome, deletion, score change, or timeline is promised. Optional credit monitoring is provided and billed separately by a third party. Full terms in your Service Agreement.
The process
Every step, in order, exactly as it happens.
01
Vance Score Report — Free to start
You pull your 3-bureau report through our credit monitoring partner. A member of our team reviews every line and delivers a personalized dispute target list — what we'd challenge, why, and what the strategy is for your goal track. If we don't think we can make a meaningful difference, we tell you before you enroll in anything.
→ Real analysis. Not an algorithm. Not a quiz.
02
Your rights. Your contract. Three days to decide.
Before any work begins, you receive the Consumer Credit File Rights Under State and Federal Law disclosure — which explains your right to dispute items yourself at no cost. Federal law requires us to give you this.
→ 3 business days to cancel for a full refund. Your legal right. No questions.
03
Dispute strategy built for your goal
Auto Approved, Home Approved, or Business Funded. Your dispute strategy is built specifically for what you're trying to qualify for — not a generic template. The items a mortgage underwriter flags are different from what an auto lender looks at.
04
We submit. You watch.
Written dispute letters go to the bureaus — and when appropriate, directly to original creditors. Bureaus have 30 days to investigate under federal law. We track every open dispute and follow up. Everything is documented in real time in your portal.
→ Your portal shows the work. Then you see the invoice. Never the other way around.
05
Billing — only after work is documented
Your first charge fires after your dispute round is submitted and documented in your portal. Not at signup. Not at contract signing. After the work. Every billing cycle follows the same sequence: work, documentation, invoice. Federal law requires it.
→ Exact billing timing stated in your written contract before you sign.
06
Milestone — you reach your target range
We send your Vance Milestone Report — a summary of dispute activity and verified resolutions. If you came through a dealer referral, we coordinate your return. If you're on the home track, the report is formatted for your loan officer conversation.
FAQ
Do you charge before you do any work?
Never. Federal law under CROA prohibits it — and we've built our entire operation around this fact. Your first charge fires after your first dispute round is submitted and visible in your portal. Not at signup. After the work.
Can you guarantee my score will go up?
No — and any company that tells you they can is violating federal law. We guarantee what we control: our documented effort, our dispute submissions, our follow-up. How credit bureaus respond is outside our control.
What is "No Movement, No Charge"?
In any billing cycle where your credit report shows no favorable change versus the prior cycle, you are not billed for that cycle. You are billed only for a cycle in which a favorable change is documented. This guarantees our billing terms — not specific outcomes.
How long does credit repair take?
Bureaus have 30 days by law to investigate each dispute. How long your journey takes depends on your specific file, the number of disputable items, and how bureaus respond. After reviewing your Vance Score Report, we give you an honest estimate.
Can I do this myself for free?
Yes — and we are legally required to tell you this, so we will. You have the right to dispute inaccurate items directly with the credit bureaus at no cost. That right is explained in the Consumer Credit File Rights disclosure you receive before signing anything with us.
Can I cancel?
Yes. Within 3 business days of signing — full refund, no questions. That's your right under federal law and it's in every Vance Credit contract. After that, cancel any time. You only pay for completed dispute rounds. No cancellation fees.
What's a goal track?
Auto Approved, Home Approved, or Business Funded. Different lenders look at different items. We build your dispute strategy around your specific loan type — not a one-size-fits-all approach.
Do you work in every state?
Most U.S. states, yes. Georgia is the exception — Georgia law makes for-profit credit repair a misdemeanor. Georgia residents are routed to our partner nonprofit foundation at no charge.
Your rights
Federal law requires Vance Credit to provide you with this disclosure before any contract is signed. We provide it as a separate signed document at contract execution.
You may perform the services described in your Vance Credit contract yourself, for free, by contacting the credit bureaus directly. You are not required to use Vance Credit.
3 minutes. $0. A real person reviews your real file. No commitment until you decide.
Vance Credit LLC is a Credit Repair Organization operating under 15 U.S.C. § 1679 et seq. No advance fees collected. Post-service billing only. Individual results vary and are not guaranteed. You have the right to dispute inaccurate information directly with credit bureaus at no cost.
$0 to start — real analysis, not an algorithm
A real person reviews your full 3-bureau credit report and delivers a personalized dispute target list — before you commit to anything. No commitment until you decide to enroll.
What your score costs you — illustrative example, $30k auto loan, 60 months
Rate ranges are illustrative estimates. Actual rates vary by lender and individual circumstances.
"I didn't believe it until I saw the deletions in my portal. Then I went back to the same dealer."
Marcus T. · Houston, TX · Auto track · 4 months
"My loan officer said I needed 620. We closed 6 weeks after hitting 641."
Danielle M. · Charlotte, NC · Home track · 5 months
Individual results vary significantly. Not all clients see score changes. Results are not typical. These clients were not compensated.
A real person reviews your 3-bureau report and tells you exactly what's disputable — before you pay anything for credit repair.
Your information
Agreements & consent
By submitting you acknowledge the Consumer Credit File Rights disclosure. You may cancel within 3 business days for a full refund. No charge today.
Free financial tools
Summary
Vance Credit LLC is a Credit Repair Organization operating under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). We collect personal information to provide credit repair services, communicate with you about your account, and send SMS messages when you give us permission. We do not sell your personal information. We do not share your information for third-party marketing.
Section 01
Vance Credit LLC ("Vance Credit," "we," "us," or "our") is a Wyoming limited liability company operating as a Credit Repair Organization under 15 U.S.C. § 1679 et seq. Our principal place of business is 800 Maine Ave SW, Washington, DC 20024-2805.
This Privacy Policy applies to all information collected through our website, mobile-optimized pages, text message programs, phone interactions, and any related services (collectively, the "Services").
Section 02
Information you provide directly: Full legal name, mailing address, date of birth, and Social Security Number; email address and phone number; payment information processed through our secure payment processor; credit report data and dispute documentation; communications you send us.
Information collected automatically: IP address, browser type, device identifiers, general location data, pages visited, and clickstream data via standard web analytics.
Information from third parties: Credit report data from all three major credit bureaus obtained through your authorized monitoring service; bureau response data; referral data from authorized partners.
Section 03
We do not use your Social Security Number or credit report data for any purpose other than delivering the services you enrolled in.
Section 04
SMS / TCPA Compliance Notice
By providing your phone number and opting in to text messages, you consent to receive automated text messages from Vance Credit LLC. Consent is not a condition of purchasing or receiving any service. Message and data rates may apply. Reply STOP to cancel at any time. Reply HELP for assistance.
Message frequency during active enrollment: typically 4–8 messages per month. To opt out: reply STOP to any message, or contact us at contact@vancecredit.com.
Section 05
We do not sell your personal information. We share information only with: credit bureaus (to submit disputes on your behalf), original creditors (when disputing on your behalf), service providers (credit management, payment processing, and messaging vendors — bound by contract from other uses), and as required by law.
Section 06
Client service records: 5 years minimum. Call recordings: 3 years minimum. SMS consent records: 4 years minimum after opt-out. Credit report data: duration of service + 2 years. Payment records: 7 years. Website analytics: 24 months rolling.
Section 07
You may request access, correction, deletion, or portability of your personal information. You may opt out of SMS at any time by replying STOP. You may opt out of email marketing via the unsubscribe link. To exercise any right, contact contact@vancecredit.com. We will respond within 30 days.
Section 08
California Notice
If you are a California resident, you have additional rights under CCPA/CPRA, including the right to know, delete, correct, and opt out of the sale or sharing of personal information. We do not sell or share personal information. To submit a California privacy request, contact contact@vancecredit.com with "California Privacy Request" in the subject line.
Section 09
We implement SSL/TLS encryption for data transmission, encrypted storage for sensitive data, access controls limiting employee access on a need-to-know basis, and regular security reviews. If we become aware of a data breach that triggers notification obligations, we will notify affected individuals and relevant authorities as required.
Section 10
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at contact@vancecredit.com.
Section 11
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date and, where required by law, notify you by email or through a prominent notice on our website.
Section 12
Vance Credit LLC — Privacy Inquiries
Address:800 Maine Ave SW, Washington, DC 20024-2805
Email:contact@vancecredit.com
Contents
Please read carefully
These Terms of Service constitute a legally binding agreement between you and Vance Credit LLC. By using our website, enrolling in any service, or providing your information, you agree to these terms. If you do not agree, do not use our services. Section 13 contains an arbitration clause and class action waiver that affects your legal rights.
Section 01
These Terms of Service ("Terms") govern your access to and use of the website located at vancecredit.com and all related services provided by Vance Credit LLC, a Wyoming limited liability company ("Vance Credit," "we," "us," or "our").
By accessing our website, using our free tools, or enrolling in any paid service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
These Terms apply to all visitors, users, enrolled clients, and any other person who accesses or uses the Services. If you are using the Services on behalf of another person, you represent and warrant that you have authority to bind that person to these Terms.
Section 02
To use Vance Credit's paid services, you must:
Georgia residents: Pursuant to O.C.G.A. § 16-9-59, Vance Credit LLC does not provide for-profit credit repair services to residents of Georgia. Georgia residents are referred to our partner nonprofit foundation for complimentary services.
Other state restrictions: Credit repair services are regulated differently in different states. We may not serve certain states based on current licensing, bonding, and regulatory requirements. Contact us to confirm service availability in your state before enrolling.
Section 03
Vance Credit LLC is a Credit Repair Organization as defined in the Credit Repair Organizations Act (15 U.S.C. § 1679a). We provide the following services:
The specific services included depend on your selected plan (Vance Dispute or Vance Complete). Your written service agreement specifies your plan details, billing terms, and cancellation rights.
Section 04
Federal Law Disclosure — Required by 15 U.S.C. § 1679c
The following information is required by federal law and must be provided to you before any contract is signed.
Your right to cancel: You may cancel your contract within 3 business days of signing by any means — phone, email, or written notice. A Notice of Cancellation form will be provided at contract execution.
Written contract requirement: Before any services are performed, you will receive and must sign a written contract specifying the services, payment terms, billing timing, duration, and your right to cancel.
No advance fees: Federal law under CROA prohibits Vance Credit from charging any fee before services are fully performed. Your first payment will not be processed until after your first dispute round has been submitted and documented in your client portal. This applies to every plan, every billing cycle, without exception.
Section 05
Post-service billing: You are billed only for a billing cycle in which your credit report shows a documented favorable change versus the prior cycle (No Movement, No Charge). You will see the change in your client portal before any invoice is generated. Federal law under CROA (15 U.S.C. § 1679b) prohibits Vance Credit from charging any fee before services are fully performed.
Service plans and pricing:
Mail method disclosure: Vance Dispute uses First Class mail. Vance Complete uses Certified mail (USPS tracking + proof of delivery). Vance Credit absorbs all mailing costs — there are no per-letter charges to clients beyond your plan fee.
Payment processing: Payments are processed through our secure payment processor. By providing payment information, you authorize Vance Credit to charge applicable fees in accordance with your service agreement.
Failed payments: If a payment fails, we will notify you by email and make up to 2 additional attempts. If payment cannot be collected, services may be paused until resolved.
Taxes: You are responsible for all applicable taxes associated with your purchase of services.
Section 06
3-day cancellation right (federal law): You may cancel your contract within 3 business days of signing for a full refund. This right is guaranteed by CROA (15 U.S.C. § 1679d) and cannot be waived. Contact us by any means within this window: contact@vancecredit.com or +1 (516) 548-2623.
Cancellation after 3 business days: You may cancel at any time. You will not be charged for any future billing cycles. Fees already charged for completed and documented services are non-refundable.
No Movement, No Charge: In any billing cycle where your credit report shows no favorable change versus the prior cycle, no service fee is charged for that cycle. You are billed only for a cycle in which a documented favorable change occurs on your credit report. This guarantee concerns billing and documented service — not specific score outcomes. Conditions: active credit monitoring maintained throughout; client does not take actions that materially damage the credit file during the service period.
What is not refundable:
Section 07
TCPA / A2P 10DLC Compliance — SMS Program Terms
By opting in to receive SMS text messages from Vance Credit LLC, you agree to the following SMS-specific terms. These terms comply with the Telephone Consumer Protection Act (TCPA), CTIA messaging guidelines, and applicable carrier requirements.
Program name: Vance Credit SMS Alerts
Description: Vance Credit sends text messages related to: dispute status updates, portal notifications, billing confirmations, milestone alerts, appointment reminders, and educational resources.
Message frequency: Approximately 2–8 messages per month during active enrollment.
Message and data rates: Standard message and data rates may apply based on your mobile carrier plan.
Consent: Your opt-in constitutes your prior express written consent to receive automated text messages from Vance Credit LLC. Consent to receive SMS messages is not required as a condition of enrolling in or purchasing any Vance Credit service.
How to opt out: Reply STOP to any message. You may also email contact@vancecredit.com . After opting out, you will receive one final confirmation message. We process opt-out requests within 10 business days.
Help: Reply HELP to any message or contact us at contact@vancecredit.com .
Section 08
To receive the benefit of Vance Credit's services, you agree to:
Section 09
Important — No outcome guarantees
The Credit Repair Organizations Act (15 U.S.C. § 1679b) prohibits credit repair organizations from making misleading statements about results. We are required by law to be honest about what we can and cannot promise.
Vance Credit LLC cannot and does not guarantee:
What Vance Credit does guarantee:
Credit bureau investigation outcomes are determined by the bureaus and original creditors, not by Vance Credit. Any credit repair company claiming otherwise is violating federal law.
Section 10
Section 11
All content on the Vance Credit website — including text, graphics, calculator code, logo, brand elements, and educational materials — is the property of Vance Credit LLC and is protected by applicable copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our website and free tools for personal, non-commercial use only.
Client data you submit remains your property. You grant us a limited license to use it solely to deliver the services you have enrolled in.
Section 12
Disclaimer of warranties: Our website, free tools, and educational content are provided "as is" and "as available" without warranties of any kind, express or implied.
Limitation of damages: To the maximum extent permitted by applicable law, Vance Credit LLC's liability to you will at all times be limited to the amount paid by you in the 12 months preceding the claim. In no event will Vance Credit be liable for any indirect, incidental, special, consequential, or punitive damages.
No limitation on CROA rights: Nothing in this limitation of liability limits your rights under the Credit Repair Organizations Act or any other consumer protection statute that cannot be contractually limited.
Free tools: Our calculators are provided for informational purposes only. Rate estimates and score impact projections are based on general market data and may not reflect your individual circumstances.
Section 13
Arbitration notice — affects your legal rights
This section contains an agreement to resolve disputes through binding arbitration rather than court proceedings, and a waiver of class action rights.
Informal resolution first: Before initiating any formal dispute, you agree to contact us at contact@vancecredit.com and give us 30 days to resolve the issue informally.
Binding arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration under the American Arbitration Association (AAA) Commercial Arbitration Rules, conducted by telephone or videoconference. The arbitrator's decision shall be final and binding.
Class action waiver: You agree to bring any claims against Vance Credit in your individual capacity only, and not as a plaintiff or class member in any purported class action or representative proceeding.
CROA claims: Nothing in this arbitration provision limits your right to bring individual claims under the Credit Repair Organizations Act in any court of competent jurisdiction.
Small claims court: Either party may bring an individual action in small claims court for disputes within that court's jurisdiction.
Section 14
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of law provisions, except to the extent that federal law (including CROA, FCRA, and TCPA) applies and preempts state law.
Section 15
Entire agreement: These Terms, together with the Privacy Policy and your signed service agreement, constitute the entire agreement between you and Vance Credit regarding the Services.
Severability: If any provision is found to be unenforceable, the remaining provisions continue in full force.
No waiver: Our failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.
Updates to these Terms: We may update these Terms at any time. We will notify active clients of material changes by email and by posting the updated Terms with a new effective date.
Force majeure: We are not liable for delays or failures in performance resulting from causes beyond our reasonable control.
Section 16
For questions about these Terms, to exercise your cancellation rights, or to file a complaint:
Vance Credit LLC
Address:800 Maine Ave SW, Washington, DC 20024-2805
Email:contact@vancecredit.com
Website:vancecredit.com
Vance Credit LLC is a Credit Repair Organization operating under 15 U.S.C. § 1679 et seq. · 800 Maine Ave SW, Washington, DC 20024-2805 · © 2026 Vance Credit LLC. All rights reserved.
Interactive map
Green = open now. Teal = opening very soon. Amber = licensing in progress. Red = permanently excluded.
Coming soon states
We're actively pursuing licensing in additional states. Drop your info and you'll be the first we reach out to — before we announce publicly. No spam, no pressure.
We'll contact you when your state opens. No advance charges, ever — that's federal law and how we operate.
Georgia — Why Vance Credit cannot serve you directly
Georgia law (O.C.G.A. § 16-9-59) classifies for-profit credit repair as a criminal offense. This is a permanent statutory exclusion — not a licensing gap. Any for-profit credit repair company claiming to legally serve Georgia residents is either misinformed or operating illegally.
We will not serve Georgia residents through Vance Credit LLC. We've disclosed this clearly in our Terms of Service and on this page.
Georgia law permits nonprofit credit counseling organizations to provide credit assistance. We partner with a nonprofit foundation that provides credit dispute assistance to Georgia residents at no charge. Contact us directly and we'll connect you with the right resource.
Why we expand this way
Credit repair is one of the most regulated consumer services in the country. Every state has its own licensing and bonding requirements layered on top of federal CROA protections. A company that claims to serve all 50 states with no disclosures or restrictions is almost certainly cutting corners.
We don't cut corners. We file the paperwork, meet the requirements, and open only when we're legally and operationally ready.
Open states — full service available
All plans available. Post-service billing. 3-day cancellation right. CROA-compliant contracts before any work begins.
Almost open — minimal registration only
Delaware, Missouri, and Pennsylvania require only a simple administrative filing. Registration is in progress and these states open very soon.
Licensing in progress — join the waitlist
22 states require substantive CSO licensing and surety bonds. We're working through that process state by state.
Georgia — permanent exclusion explained
Georgia law makes for-profit credit repair a misdemeanor. Georgia residents are routed to our nonprofit partner — free of charge.
State availability FAQ
Why do you show a map at all?
Because that's what low-quality operators do — they ignore state-specific requirements and serve everyone with no disclosures. Credit repair is regulated at the state level. We map our coverage because transparency about legal availability is part of how we operate.
I'm in an open state. What can I do right now?
Enroll. All three Vance Credit plans are available to you today. Your first charge fires only after your first dispute round is submitted and documented. Federal law requires this.
I'm in a coming-soon state. How long until you open?
We don't publish specific timelines because state licensing moves at its own pace. What we can tell you is that signing up for the waitlist directly influences our priority order.
Do state restrictions change what you can dispute?
State restrictions determine whether we can operate in a given state at all — they don't change what's disputable under the Fair Credit Reporting Act. The FCRA is federal law and applies uniformly.
If you're in an open state, you can begin today.
Licensing in progress
We're actively working on licensing here. Drop your info and we'll reach out the moment we open — before any public announcement.
No spam. No commitment. No advance charges — federal law. We'll contact you when your state opens.
Credit conditions have tightened. The gap between buyers who want to transact and buyers who can qualify is wider than it has been in a decade. Almost none of them have a structured process for what happens when a client falls into that gap.
The architecture keeps your dealership or brokerage completely separate from the credit repair relationship. You refer. We serve. You earn.
The pitch is different for an F&I manager than it is for a mortgage loan officer.
Your F&I manager has a client who doesn't qualify. Instead of losing that client, you send them to a path that brings them back — to you, score ready, within 60–120 days.
A mortgage applicant who doesn't qualify today is often 60–90 days away from qualifying — if someone actually works their file. Most loan officers send them away with generic advice. You send them with a plan.
These scripts keep your referral clean and compliant — the credit repair relationship stays between the client and Vance Credit.