Terms of Service

These Terms govern your use of the Quantum Credit website, tools, and communications. By using the website, you agree to these Terms and our Privacy Policy. You must be at least 18 years old and legally able to enter an agreement.

Quantum Credit is a financial consulting service owned and operated by Millennial Management Group LLC and a credit repair organization under the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.

We are not a law firm, do not provide legal advice, and do not create an attorney-client relationship through this website. When appropriate, we may coordinate escalation support through a licensed legal provider.

Website information does not replace your written service agreement. Before services begin, you will receive a written contract describing the services and total payments, a separate statement of Consumer Credit File Rights Under State and Federal Law, and a detachable Notice of Cancellation form. If these Terms conflict with your signed contract, the signed contract controls for those services.

Per-dispute fees apply to each specific dispute filed. No fee is billed or collected until disputes for all eligible negative items are filed. The $80 monthly service starts one month after your first set of disputes is filed and includes access to Underwriter Mindset, $100K+ Credit Card Capital Access, and Bankers Blacklist Removal, plus customer service and credit reporting agency communication. Credit monitoring is not included, and the fee is not contingent on a deletion, score increase, or other result.

Your written contract provides the complete fee breakdown and payment terms before services begin.

You may cancel your credit repair contract without penalty or obligation at any time before midnight of the third business day after the date you sign it. Follow the cancellation instructions and use the detachable Notice of Cancellation supplied with your contract.

Our service goal is to continue lawful, fact-based dispute cycles until 100% of eligible negative items have been removed or corrected, or until our review indicates that escalation through a licensed legal provider may be appropriate. This describes a goal, not a promised outcome.

Results and time frames vary. We do not guarantee any deletion, score increase, lending approval, funding amount, or other outcome. Results depend on your credit file, the accuracy and completeness of information provided, your participation, and responses from credit bureaus, creditors, collectors, and data furnishers.

Quantum Credit is not affiliated with Equifax, Experian, TransUnion, or any credit bureau, creditor, collection agency, or lender.

• Provide accurate, current information and documents you are authorized to share.
• Review correspondence and investigation results and send requested materials promptly.
• Do not upload another person's credit report or misuse the website or analyzer.
• Make independent financial decisions and review all lender terms before applying or accepting an offer.

Analyzer summaries, category counts, action suggestions, and estimated point ranges are educational estimates, not credit, legal, lending, or financial advice. Automated analysis can be incomplete or inaccurate. Verify every result against the original report before relying on it.

The website may link to independent services such as AnnualCreditReport.com, Dispute Fox, legal providers, or lending providers. Their separate terms and policies apply when you use them. A link or referral does not guarantee access, approval, performance, or any particular result.

You may use the website only for lawful, personal purposes. Do not interfere with its operation, attempt unauthorized access, upload malicious material, copy protected content, or use the website to violate another person's rights. Quantum Credit's branding, design, copy, and original materials remain the property of Millennial Management Group LLC or their respective licensors.

We may update, suspend, or discontinue website features. To the fullest extent permitted by law, the website and its educational tools are provided without warranties of uninterrupted availability or error-free operation. Nothing in these Terms limits rights or remedies that cannot legally be limited, including rights provided by applicable consumer protection law.

We may revise these Terms as our website, services, or legal obligations change. The effective date above identifies the current version. Continued use of the website after an update means the revised Terms apply to later website use; changes to an existing paid service remain subject to your written agreement and applicable law.