Terms & Conditions


Client Acknowledgements.  Integrated Loan Assistance cannot perform services without obtaining copies of your credit reports and all correspondence from the credit bureaus. Clients agree to provide all relevant and requested documents as soon as reasonably possible, but preferably within five (5) business days, in order for Integrated Loan Assistance representatives to begin reviewing your case. The success of this service depends on client providing requested documents to Integrated Loan Assistance. Failure to cooperate with our representative throughout this process, and complete all of these activities will constitute waiver of any refunds or warranties under the Credit Service Agreement. Furthermore, Clients agree to promptly inform Integrated Loan Assistance of any change in mailing address.

Clients understand that Integrated Loan Assistance has no ability to dictate or monitor client’s financial decisions that impact their credit report, credit score, and/or any other responsibilities relevant to their financial health.  Clients agree not to hold Integrated Loan Assistance accountable or liable for any actions, and/or consequences regarding their past, present, and/or future decisions that may impact their credit report, credit score, financial situation, or standing with any financial institution or company.

Information Reporting.  For Integrated Loan Assistance to provide the best possible service, client would like to dispute all information found on their credit report that could indicate misleading or inaccurate information, except for the information disclosed to Integrated Loan Assistance separately. Integrated Loan Assistance will consider any information that is not disclosed to be inaccurate, unverifiable, or obsolete.

Terms of Service.  Integrated Loan Assistance provides services on a month-to-month basis.  Client is not obligated to a fixed term and may cancel his or her service at any time.

Payment.  Clients agree failure to promptly pay Integrated Loan Assistance for services will result in the suspension of all work on client’s account. Integrated Loan Assistance will work with clients seeking to resolve billing or service issues if that client promptly contacts our representative to resolve any of their billing or accounting issues.

Termination & Cancellation Rights.  Integrated Loan Assistance reserves the right to suspend or terminate, without notice, any Service for the following: (a) breaching, failing to follow, or abusing the Credit Service Agreement; (b) denied payment transaction; (c) using/suspicion of using Services in any manner restricted by or inconsistent with the Credit Service Agreement; (d) providing false or inaccurate information; (e) interfering with our operations; (f) harassing, threatening, or abusing, our employees or agents; (g) late payment; (h) providing false, inaccurate, dated, or unverifiable identification or credit information; or (i) becoming insolvent or bankrupt.

Clients are aware that they can cancel their service at any time. Cancellation requests received through fax, text, and voicemail are not accepted and will NOT be processed.  Client must provide written notification of intent to cancel, or by contacting a representative by telephone.

Refunds.  All funds collected from client for the engagement of services after five (5) days from initial start date are non-refundable.  If client does not abide by these terms, Integrated Loan Assistance has the right to terminate this contract and all sums paid by client to Integrated Loan Assistance shall not be refundable.

Indemnification.  Client hereby agrees to indemnify, defend, and hold Integrated Loan Assistance and our subsidiaries, affiliates, and parent companies harmless from any claims arising out of or relating to your actions, including, but not limited to, your use of the Service and any information you submit, post, transmit, or make available; failure to safeguard your information, or other account information; or violating this Agreement or any policy referenced in this Agreement, any applicable law or regulation, or the rights of any third party.

Severability.  If any provision of these Terms is found to be invalid or unenforceable under any applicable law or a court of competent jurisdiction, such provisions shall be deleted without affecting the remaining provisions of these Terms.

Amendments of Terms.  Integrated Loan Assistance, at its sole discretion, may change, modify, add or remove any portion of these Terms from time to time as the terms of service may change.

Governing Law & Jurisdiction.  This Agreement and all actions and obligations performed hereunder are deemed to have been executed and performed exclusively in the State of Colorado for all purposes – regardless of where Client may reside.  Client’s relationship with ILA shall be governed exclusively by Colorado state law and federal law governing Colorado federal courts, without regard to conflict of law provisions.  Any legal or equitable action concerning this engagement or the relationships created by it shall be initiated only in Jefferson County, Colorado.

Other Applicable Terms.  These Terms and Conditions do not constitute the full and final terms governing a client’s relationship with Integrated Loan Assistance, nor do they constitute an engagement between Integrated Loan Assistance and any users of www.integratedloanassistance.com.  Prior to formal engagement of Integrated Loan Assistance for credit repair services, clients will be asked to carefully review and sign a formal agreement containing the full scope of credit service terms.