Terms of Service

Last Updated: April 28, 2026

Please read these Terms of Service carefully before using the Best Choice Credit Solutions website or services. By accessing our website or submitting a form, you agree to be bound by these terms.

1. Services

Best Choice Consulting NC, operating under the trade name Best Choice Credit Solutions, provides credit education services, financial coaching, and consumer-rights consulting, including assistance with credit report dispute processes under the Fair Credit Reporting Act (FCRA). We do not guarantee specific results, as outcomes vary based on individual credit situations, creditor responses, and other factors outside our control.

2. Eligibility

Our services are available to individuals 18 years of age or older who are legal residents of the United States. By using our services, you represent that you meet these requirements.

3. Your Responsibilities

By engaging our services, you agree to:

Provide accurate and truthful information
Respond to communications in a timely manner
Not use our services for any unlawful purpose
Not misrepresent your identity or credit situation

4. SMS Communications (Transactional)

By providing your phone number and checking the SMS consent box, you agree to receive transactional and informational text messages from Best Choice Consulting, including appointment confirmations, reminders, account updates, document requests, and follow-up communications related to your inquiry. Our SMS program does not send promotional or marketing messages. SMS consent is collected separately and is not required to receive services. You may opt out at any time by replying STOP to any message. Reply HELP for help. Standard message and data rates may apply.

5. SMS Program Details

Best Choice Consulting operates a transactional SMS messaging program for users who explicitly opt in via the SMS consent checkbox on our website consultation form. Messages are limited to: (1) appointment confirmations and reminders, (2) account-related notifications, (3) document and information requests, (4) follow-up communications regarding your inquiry, and (5) educational content related to financial literacy. Marketing and promotional content is delivered exclusively via email, not SMS, and requires its own separate opt-in. Message frequency varies (typically up to 5 messages per month). Carriers are not liable for delayed or undelivered messages. Message and data rates may apply. Reply STOP to unsubscribe, HELP for help.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Best Choice Credit Solutions and is protected by applicable intellectual property laws.

7. Limitation of Liability

Best Choice Credit Solutions shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid for the specific service giving rise to the claim.

8. Disclaimer

Credit education and consumer-rights consulting services are regulated by applicable consumer protection laws, including the Credit Repair Organizations Act (CROA) where applicable. You have the right to cancel any contract with us within 3 business days of signing. We cannot guarantee specific credit score improvements or outcomes, and results vary for each individual.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Best Choice Credit Solutions operates.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services constitutes acceptance of any revised Terms.

11. Contact

Questions about these Terms? Contact us:

Website: bestchoicecredit.com
Email: shimelkag@gmail.com