Legal
Terms & Conditions
These Terms & Conditions apply to tier1access.us and to the services of G&M Vantage Solutions LLC, doing business as Tier One Access (“Tier One Access,” “we,” “us”). Your signed service agreement controls if it differs from this page.
1. Who we are
G&M Vantage Solutions LLC, doing business as Tier One Access
975 S Congress Ave, Suite 110, Delray Beach, FL 33445
Phone: 877-988-8044 · Email: info@gmcreditsolutions.com
2. Our services
- Credit restoration. We review your credit reports with you, identify items that appear inaccurate, incomplete, outdated or unverifiable, prepare and send disputes on your behalf under the Fair Credit Reporting Act, and coach you on building positive credit history.
- Authorized-user tradelines. We arrange for you to be added as an authorized user on an existing credit account. How a tradeline affects your file depends on your existing credit and on how lenders and scoring models treat authorized-user accounts.
- Vehicle and timepiece sourcing. We help you locate exotic cars, powersports and timepieces and coordinate with third-party dealers and lenders. Approval, rates and terms are always decided by the lender.
Tier One Access is not a law firm, a lender or a credit bureau. Nothing on this website is legal or financial advice.
3. No guarantees
We cannot guarantee any specific result, score change, removal of any item, or credit approval. Accurate and timely information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, free of charge, directly with the credit bureaus, and to get free copies of your credit reports at AnnualCreditReport.com.
4. Your right to cancel
Before you sign, you receive the “Consumer Credit File Rights Under State and Federal Law” statement and a written agreement. Under the federal Credit Repair Organizations Act, you may cancel without penalty or obligation within three business days after you sign. Under Florida law (Fla. Stat. § 817.704), you may cancel until midnight of the fifth day after the date you sign. The longer period applies. To cancel, email info@gmcreditsolutions.com, call 877-988-8044, or write to the address above. See our Refund Policy.
5. Fees, billing and payment
- Your written agreement lists every fee, when each fee is charged, the services it covers and the total cost before you sign. We will not charge any fee that is not in your signed agreement.
- Ongoing credit restoration is billed month to month for work performed. Monthly charges continue on the schedule in your agreement until you cancel, and cancelling stops all future charges.
- Tradelines (starting at $699) and sourcing services are priced in your agreement for that service.
- We accept Visa, Mastercard, Discover and American Express. By providing a card, you authorize us to charge it for the fees in your signed agreement.
6. Delivery policy
Our services are delivered digitally, by phone and by video call. We do not ship physical products.
- Consultations take place by phone or video at the time you book.
- Credit restoration: after you sign your agreement, you receive a welcome email with your next steps within one business day. We review your reports with you, then prepare and send your first round of disputes. Credit bureaus generally have 30 days (in some cases 45) to investigate a dispute. Each month you receive a progress review by video call and a written summary by email.
- Tradelines: once your order is confirmed, we request the authorized-user addition. It usually appears on your credit report after the card issuer’s next statement closing date. That timing is controlled by the issuer and the credit bureaus.
- Sourcing: the timeline is set out in your sourcing agreement. Vehicles and timepieces are sold and delivered by the third-party dealer or seller under that seller’s own terms.
- Reports, letters and updates are delivered electronically by email or secure link.
7. Communications
If you checked the call-consent box on one of our forms, we may call you about your request, including with automated dialing technology. Consent is not required to buy anything, and you can withdraw it at any time by telling us. Every marketing email includes an unsubscribe link.
8. Your responsibilities
- Give us accurate, complete information.
- Do not ask us to dispute information you know is accurate, or to make any untrue statement to a credit bureau, creditor or lender.
- Disclose authorized-user accounts truthfully when a lender asks about them.
9. Third-party services
Our website links to third parties such as IdentityIQ. Their own terms and privacy policies apply. We receive a referral fee if you sign up for IdentityIQ through our link, at no additional cost to you.
10. Limitation of liability
To the extent permitted by law, our total liability for any claim relating to our services is limited to the fees you paid us in the 12 months before the claim. Nothing in these terms waives or limits any right you have under the Credit Repair Organizations Act, the Florida Credit Service Organizations Act or other law that cannot be waived.
11. Governing law
These terms are governed by the laws of the State of Florida.
12. Changes and contact
We may update these terms. The effective date at the top shows the latest version. Questions: info@gmcreditsolutions.com or 877-988-8044.