The Credit Laboratory Text Message Terms and Conditions

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Last updated June 2023

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The Credit Laboratory LLC

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These The Credit Laboratory LLC Text Message Terms and Conditions ("Text Message Terms") are between you and The Credit Laboratory LLC, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("The Credit Laboratory LLC," "we" or "us"), with a principal place of business at 750 Downtowner Loop W STE H, Mobile, AL, 36609. The Text Message Terms have the same effect as an agreement in writing and govern your participation in The Credit Laboratory LLC’s Text Message Program. The Credit Laboratory LLC’s "Text Message Program" includes sending text message(s) to The Credit Laboratory LLC and/or receiving text message(s) from The Credit Laboratory LLC.

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BY PARTICIPATING IN The Credit Laboratory LLC’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE TEXT MESSAGE TERMS.

The Credit Laboratory LLC’s Privacy Policy and Terms of Use apply to your participation in The Credit Laboratory LLC’s Text Message Program, and their terms are made a part of the Text Message Terms. To view The Credit Laboratory LLC’s Privacy Policy, click here. To view The Credit Laboratory LLC Terms of Use, click here. By participating in The Credit Laboratory LLC Text Message Program you acknowledge you have reviewed The Credit Laboratory LLC Privacy Policy and Terms of Use and agree to their terms.

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BY PARTICIPATING IN The Credit Laboratory LLC’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND The Credit Laboratory LLC ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND The Credit Laboratory LLC     

, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TEXT MESSAGE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TEXT MESSAGE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH The Credit Laboratory LLC. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST The Credit Laboratory LLC IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST The Credit Laboratory LLC IN ANY JURISDICTION IN THE UNITED STATES. The Credit Laboratory LLC WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Text Message Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Text Message Terms). The arbitrator shall have authority to interpret the Text Message Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Text Message Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Text Message Terms. You agree that the Text Message Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Text Message Terms is governed by the laws of the state of Utah as they apply to agreements made solely therein. This Arbitration Clause shall survive termination of the Text Message Terms.

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1. About the Text Message Terms

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If you do not agree to the Text Message Terms, you may not participate in The Credit Laboratory LLC Text Message Program. The Credit Laboratory LLC may modify the Text Message Terms at any time. If you do not agree to the changes, you must discontinue your participation in The Credit Laboratory LLC’s Text Message Program before the changes take effect. Your continued participation in The Credit Laboratory LLC’s Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you participate in The Credit Laboratory LLC’s Text Message Program you reaffirm your acceptance of the Text Message Terms. The Text Message Terms may be supplemented by additional terms and conditions and, together with these Text Message Terms and The Credit Laboratory LLC Privacy Policy and Terms of Use, govern your participation in The Credit Laboratory LLC’s Text Message Program.

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2. About The Credit Laboratory LLC text messages

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The Credit Laboratory LLC’s Text Message Program assists users in communicating with The Credit Laboratory LLC. The Credit Laboratory LLC text messages are marketing SMS messages sent to individuals who have provided The Credit Laboratory LLC with written consent to send the messages. Such written consent may be obtained through the use of electronic signatures, as broadly defined under the E-SIGN Act. The Credit Laboratory LLC text messages are not mobile spam. The service is a recurring message program.

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3. Consent for The Credit Laboratory LLC text messages

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When you signed up for The Credit Laboratory LLC’s Text Message Program, you provided express written consent to receive automated texts about credit repair or credit repair marketing from The Credit Laboratory LLC. By continuing to participate in The Credit Laboratory LLC’s Text Message Program (e.g. by not texting STOP in response to any program text), you agree to continue to receive automated texts from The Credit Laboratory LLC in accordance with your previously provided consent and these Text Message Terms.

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4. Cost of The Credit Laboratory LLC  text messages

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Although all The Credit Laboratory LLC  text messages are complimentary, Message & Data Rates May Apply. Depending on your text plan, you may be charged by your carrier.

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5. Discontinuing text messages

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To stop receiving The Credit Laboratory LLC text messages, simply text STOP (and no other words or characters) to the short code from which you received The Credit Laboratory LLC text message(s). After doing so, you will receive a text message confirming your opt-out and will no longer receive The Credit Laboratory LLC text messages to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be removed from The Credit Laboratory LLC’s texting list(s). NOTE: texting STOP will only stop text messages, and will only stop text messages to the phone number you used to text STOP. To stop receiving marketing phone calls from The Credit Laboratory LLC  that are not text messages, simply text CALLSTOP (and no other words or characters) to the short code from which you received The Credit Laboratory LLC text message(s). After doing so, you will no longer receive marketing phone calls from The Credit Laboratory LLC to the phone number used to text CALLSTOP. Almost all CALLSTOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text CALLSTOP to be added to The Credit Laboratory LLC’s internal do-not-call list. To stop receiving marketing phone calls from The Credit Laboratory LLC (that are not text messages) to any phone number, you may call Get Started and add your telephone number to The Credit Laboratory LLC’s internal do-not-call list.

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6. Opting back in

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If you send The Credit Laboratory LLC  a STOP text in response to a The Credit Laboratory LLC  text message, you can start receiving The Credit Laboratory LLC  text messages again by providing consent to The Credit Laboratory LLC  to send the messages.

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7. Receiving more info

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To request more info, simply text HELP to the short code from which you received The Credit Laboratory LLC  text message(s).

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8. Commands

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Stop: At any time, you can text STOP to the short code from which you received The Credit Laboratory LLC  text message(s). This will prevent you from receiving future The Credit Laboratory LLC  text messages to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be removed from The Credit Laboratory LLC’s texting list(s). Note that texting STOP will only stop text messages, and will only stop text messages to the phone number you used to text STOP. To stop receiving marketing phone calls from The Credit Laboratory LLC that are not text messages, you can text STOP to the short code from which you received The Credit Laboratory LLC text message(s). This will prevent you from receiving The Credit Laboratory LLC marketing phone calls (that are not text messages) to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be added to The Credit Laboratory LLC’s internal do-not-call list.


Help: At any time, you can text HELP to the short code from which you received The Credit Laboratory LLC text message(s). Texting HELP will return the following message:

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The Credit Laboratory LLC: Msg&Data Rates May Apply—Txt STOP to end texts. Visit https://www.thecreditlaboratory/textmessageterms or call Get Started for more info.

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9. Participating Carriers

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ACS Wireless, All West, Alltel, Appalachian Wireless, AT&T, Bluegrass Cellular, Boost, C Spire Wireless, Cambridge Telecom Coop, Carolina West Wireless, Cellcom, Cellular One, Cellular One of East Central Illinois, Cellular One of NEPA, Chat Mobility, Cincinnati Bell, Cricket, Custer, Duet IP, Eagle Valley Comm, Element Mobile, EpicTouch, Farmers Mutual, GCI Communications, Golden State, Illinois Valley Cellular, Immix, Inland Cellular, iWireless, Leaco, Manti, MetroPCS, Mobi PCS, Mosaic, Nemont, Nex-Tech Wireless, Nextel, nTelos, Nucla Nutria, NW Missouri Cellular, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Silver Star, South Central Comm, Sprint, Sprocket, Syringa, Thumb Cellular, T-Mobile®, U.S. Cellular, UBET, Union Wireless, United, Verizon Wireless, Viaero Wireless, Virgin Mobile and West Central Wireless.