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Membership provides credit education, coaching, community, and credit services. 850 Club Credit is not a credit bureau, lender, or government agency, and is not affiliated with Equifax, Experian, or TransUnion. You have the right to dispute inaccurate information with a credit bureau directly, free of charge. Accurate, current, and verifiable information cannot be removed by anyone. No score increase, deletion, approval, or timeline is guaranteed, and figures shown on this site are estimates. You may cancel at any time; membership is month to month and amounts already paid are not refundable. Services are performed in accordance with the Fair Credit Reporting Act and the Credit Repair Organizations Act. 850 Club Credit is not a credit repair company.