Terms of Use

1. Who we are

ANRUS, LLC ("ANRUS", "we", "us", "our") is a credit repair organization as defined by the federal Credit Repair Organizations Act (CROA). Contact: support@anrus.us, +1 (760) 699-3307, 2323 Catalina Cir, Apt 350, Oceanside, CA 92056.

2. Our services

ANRUS reviews your credit reports from Equifax, Experian and TransUnion and, on your behalf, disputes information that is inaccurate, incomplete, outdated, or unverifiable, and assists you in improving the accuracy of your credit file. The specific scope depends on the service package you select.

3. Subscriptions, billing and renewal

• We never charge before the work is done. Under the Credit Repair Organizations Act (15 U.S.C. § 1679b(b)), a credit repair organization may not charge or receive any money for a service until that service has been fully performed. ANRUS bills only in arrears, after performance.
• There is no enrollment fee, setup fee, profile-creation fee or file-opening fee. Creating your account, reviewing your credit reports with you and preparing your plan of work cost you nothing.
• Your first payment becomes due only after the first agreed stage of work has been completed — that is, after your first round of dispute letters has been prepared and sent to the credit bureaus and/or furnishers. We notify you when that stage is complete, and the charge follows it.
• If work continues, each further fee is likewise charged after the work for that period has been performed, never before it. Current prices are shown at https://anrus.us.
• By providing a payment method you authorize us (and our payment processor) to charge it only for work already performed. You may withdraw that authorization at any time.
• If a payment for completed work fails, we may retry the charge and may pause further work until it is resolved.
• Any credit-monitoring or credit-report subscription you choose to obtain is an optional product supplied and billed by a third party and paid by you directly to that provider. It is not a fee for ANRUS's services and is not a condition of working with us. See Section 7.
• You are responsible for keeping your payment and contact information current.

4. Cancellation and refunds

Three-business-day right to cancel. Under CROA, you may cancel your contract for any reason, without penalty or obligation, before midnight of the third business day after you signed it. See the CROA Disclosure for the Notice of Cancellation.

Cancel anytime. You may stop the service at any time by emailing support@anrus.us or through your account. Cancellation stops all further work and all further charges. Because we bill only after work has been performed, you never owe anything for work we have not yet done.

Except for the three-business-day right above and any rights you have under applicable law, fees already paid for services performed are generally non-refundable. Nothing in this section limits your rights under CROA or state law.

5. No guarantee of results

We do not guarantee any specific increase in your credit score, the removal or change of any specific item, or any particular timeframe. Outcomes depend on your individual credit file and the responses of the credit bureaus and creditors. Results vary; past results do not guarantee future results.

6. Your rights and responsibilities

• You have the right to dispute information in your own credit report directly with the bureaus and creditors, for free, without using ANRUS.
• You agree to provide accurate, complete information and not to ask us to dispute information you know to be accurate.
• You authorize ANRUS to act on your behalf with the credit bureaus and creditors in connection with the services.
• You must be at least 18 years old and able to enter into a binding contract.

7. Third-party services

We use third parties to provide parts of the service, including account/payment portals and credit-report providers (for example, ScoreXer and MyFreeScore) and email delivery. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for the practices of third parties.

8. Acceptable use

You agree not to misuse the website or services, including by submitting false information, attempting to gain unauthorized access, interfering with the service, or using it for unlawful purposes (including any use of fraudulent identification numbers such as "CPN", which is illegal).

9. Intellectual property

The website, content, logos and materials are owned by ANRUS, LLC or its licensors and are protected by law. You may not copy, reproduce or distribute them without permission, except for your own personal, non-commercial use.

10. Disclaimers

The website and any educational content (including our blog) are provided for general information and are not legal, financial, or tax advice. The services and website are provided "as is" and "as available" without warranties of any kind, to the fullest extent permitted by law.

11. Limitation of liability

To the fullest extent permitted by law, ANRUS and its officers, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, arising from your use of the services. Nothing in these Terms limits liability that cannot be limited under applicable law, including under CROA.

12. Indemnification

You agree to indemnify and hold ANRUS harmless from claims arising out of your breach of these Terms or your misuse of the services, except to the extent caused by our own wrongdoing.

13. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in California, unless applicable consumer-protection law provides otherwise. Your rights under CROA and applicable state law are not waived.

14. Changes to these Terms

We may update these Terms from time to time. The "last updated" date will change, and material changes will be posted on this page. Continued use after changes means you accept the updated Terms.

15. Contact

Questions about these Terms: support@anrus.us · +1 (760) 699-3307 · ANRUS, LLC, 2323 Catalina Cir, Apt 350, Oceanside, CA 92056.

16. SMS and Mobile Messaging Terms

Program Description: By providing your mobile phone number, opting in via our web forms, or executing a service agreement with ANRUS, LLC, you agree to receive SMS/MMS messages regarding customer support, inquiry responses, missed call follow-ups, and service notifications.

Message Frequency: Message frequency varies depending on your interactions with us and requested services (typically 1–3 messages per inquiry).

Cost & Rates: Msg & data rates may apply. Standard message and data rates may apply from your wireless carrier for any messages sent to you from us or to us from you. ANRUS, LLC is not liable for delayed or undelivered messages.

Opt-Out Instructions: You may cancel the SMS service at any time. Simply text STOP to our number. After sending STOP, you will receive a single confirmation message confirming that you have been unsubscribed. No further messages will be sent to your mobile device unless initiated by you.

Customer Support: For assistance or questions regarding our text messaging program, reply with the keyword HELP to any message, or contact our customer support team directly at support@anrus.us or +1 (760) 699-3307.

Privacy & Data Sharing: We respect your privacy. Mobile information, phone numbers, and SMS opt-in data will not be shared, sold, rented, or transferred to third parties or affiliates for marketing or promotional purposes. For more details, please review our Privacy Policy.