Terms and Conditions
1. Company Information
Scudder Strategic LLC (“Scudder Strategic,” “Company,” “we,” “us,” or “our”) is a credit services organization operating in the State of Missouri and maintains any required surety bond for the protection of our clients, as applicable under Missouri law (Mo. Rev. Stat. §§ 407.635–407.644).[web:3][web:24]
Our principal office is located in Platte City, Missouri, and we provide credit audit, credit education, and credit restoration services to consumers (“Client,” “you,” or “your”).[web:1][web:3]
2. Nature of Services
Scudder Strategic provides, for a fee, services that include reviewing credit reports, identifying potentially inaccurate, outdated, or unverifiable information, preparing and sending dispute letters, and providing general education regarding credit and debt.[web:1][web:11]
Scudder Strategic does not extend credit, make loans, provide debt settlement or debt management plans, or act as a law firm or financial advisor, and no attorney–client, tax, or investment advisory relationship is created by enrollment in our services.[web:6][web:11]
3. No Legal, Tax, or Investment Advice
All information and services are provided for general educational and advocacy purposes regarding your credit profile.[web:6]
Nothing on this website, in our marketing, or in our communications constitutes legal, tax, accounting, or investment advice, and you should consult qualified professionals for such advice.[web:6]
4. No Guarantees or Promises of Results
While Scudder Strategic uses legal and forensic strategies to challenge information on your credit reports, we do not guarantee any specific outcome, including removal of any particular item; approval for any loan, credit card, or other product; or a particular credit score or score increase.[web:6][web:9]
Credit bureaus, creditors, and other data furnishers are independent third parties, and they alone determine the content of your credit file and your credit scores based on factors outside our control.[web:6][web:11]
5. Compliance With Credit Repair Organizations Act (CROA)
Scudder Strategic operates in compliance with the federal Credit Repair Organizations Act, 15 U.S.C. §§ 1679–1679j (“CROA”).[web:12][web:15]
Under CROA:
- We do not charge or receive any payment until the services have been fully performed as described in your written agreement.[web:6][web:12][web:15]
- We provide you with a written contract that clearly describes the services to be performed, the total cost, and an estimate of the time needed to perform the services.[web:6][web:12]
- We provide you, before you sign any contract, with the “Consumer Credit File Rights Under State and Federal Law” disclosure required by CROA.[web:12][web:15]
- We do not advise you to make untrue or misleading statements to creditors, credit bureaus, or any third party, and we do not engage in creating new identities or similar schemes.[web:6][web:9][web:12]
6. Missouri Credit Services Organization Requirements
Scudder Strategic is subject to Missouri’s Credit Services Organization laws, including Mo. Rev. Stat. §§ 407.635–407.644.[web:3][web:26]
Missouri law limits the term of a credit services contract to a maximum of 180 days, after which a new contract must be executed if services are to continue.[web:3]
7. Written Contract and Term
Before any services are performed, you will receive a written contract, which you must sign, that includes:
- A clear description of the services to be performed.[web:3][web:21]
- The total cost of services and the method of payment.[web:3][web:21]
- The length of the contract, not to exceed 180 days under Missouri law.[web:3]
- Your rights to cancel and obtain a refund, as described in these Terms and in your contract.[web:3][web:4]
You will receive a completed copy of the contract and required disclosures at the time you sign.[web:12]
8. Client Responsibilities
By enrolling and using our services, you agree that you will:
- Provide accurate and complete information and documentation necessary for us to perform services.[web:6]
- Promptly review your credit reports, communications from creditors and bureaus, and any documents we send you.[web:6]
- Not make false or misleading statements to any creditor, credit bureau, or third party in connection with any disputes or communications we help you prepare.[web:6][web:9]
You remain fully responsible for any debts and financial obligations you owe to creditors; our services do not eliminate, reduce, or renegotiate debt amounts.[web:8]
9. Prohibited Uses
You may not use our services or website for any unlawful purpose, to harass or defraud any person or entity, or to obtain credit under false pretenses.[web:6][web:9]
Scudder Strategic may terminate services immediately if fraud, misrepresentation, or abusive conduct is suspected, subject to applicable refund obligations described below.[web:6][web:9]
10. Payment Terms
Fees and payment schedules will be clearly described in your written contract and may include pay‑per‑work‑completed or monthly service fees that are billed only after services corresponding to that payment have been performed.[web:6][web:12][web:15]
You authorize Scudder Strategic or its payment processor to charge your chosen payment method for amounts due, but only after services have been rendered in accordance with CROA and Missouri law.[web:3][web:21]
11. Right to Cancel (Three‑Business‑Day Cooling‑Off Period)
You have the right to cancel your contract with Scudder Strategic, without any penalty or obligation, at any time before midnight of the third business day after the date you sign the contract.[web:3][web:4][web:12][web:15]
Your contract and a separate “Notice of Cancellation” form will explain how and where to send your cancellation notice, including the required address and specific language prescribed by Missouri law and CROA.[web:4][web:21]
How to Cancel Within Three Business Days
To exercise your three‑business‑day cancellation right, you must mail or deliver a signed and dated written notice stating that you are canceling the contract to the address specified in your contract and Notice of Cancellation form.[web:4][web:21]
Cancellation is effective as of the date you mail or deliver the notice, and any payment you have made must be returned to you within ten days after the date the Company receives your cancellation notice.[web:3][web:4]
12. Refund and Cancellation Policy
a. Full Refund Within 10 Days of Signing
Missouri law requires that consumers of a credit services organization be allowed a full refund of any payment made within ten days from the date they sign the contract.[web:3][web:4][web:10]
If you request a refund within ten days of signing, any payments you have made under the contract will be returned in full within ten days after we receive your written refund request or cancellation notice, consistent with Missouri law.[web:3][web:4]
b. Refunds After the First 10 Days
After the initial ten‑day statutory refund period, refunds are governed by both CROA and Missouri law, as well as the specific terms of your contract.[web:3][web:6][web:12][web:15]
Because Scudder Strategic does not bill until services have been performed, payments made after the initial ten‑day period generally correspond to completed work; any additional, discretionary refunds or credits beyond what is required by law will be handled according to the refund provisions in your contract and evaluated on a case‑by‑case basis.[web:3][web:6][web:21]
c. Timing of Refunds
When a refund is owed under Missouri law or CROA, Scudder Strategic will return the required amounts within ten days of receiving your proper cancellation or refund request, or as otherwise required by applicable law.[web:3][web:4][web:10]
Refunds will be sent using the original form of payment whenever reasonably possible, unless otherwise agreed in writing.[web:3][web:4]
13. Service Suspension or Termination
Scudder Strategic may suspend or terminate services if:
- You fail to make required payments after services are rendered.[web:6]
- You fail to cooperate or provide necessary documents.[web:6]
- You engage in abusive, fraudulent, or unlawful conduct.[web:6][web:9]
In any termination, your statutory rights to cancel and receive any required refund under Missouri law and CROA remain in force, and any contract‑specific refund provisions will also be applied.[web:3][web:4][web:12]
14. Privacy and Data Use
Scudder Strategic collects personal information (including credit reports and identification) only as reasonably necessary to perform credit audit and dispute services, and to comply with legal and regulatory obligations.[web:25]
Scudder Strategic does not sell or rent your personal information to third‑party marketing firms and shares it only with credit bureaus, creditors, payment processors, and service providers as needed to perform services or meet legal requirements, as described in our Privacy Policy.[web:25]
15. Third‑Party Services and Affiliate Links
Scudder Strategic may recommend or provide links to third‑party credit monitoring providers that supply credit reports useful for the audit and dispute process.[web:1]
Scudder Strategic may receive compensation if you enroll through an affiliate link, but you are under no obligation to use a specific third‑party provider or link, and you may obtain your reports through any lawful source that provides the required information.[web:1][web:21]
16. Intellectual Property
All content on this website, including text, graphics, logos, and images, is owned by or licensed to Scudder Strategic and is protected by intellectual property laws.[web:1]
You may not copy, reproduce, distribute, or create derivative works from this content without prior written permission, except for personal, non‑commercial viewing and printing for your own use.[web:1]
17. Disclaimer of Warranties
Services and website content are provided “as is” and “as available,” without any express or implied warranties, including warranties of merchantability, fitness for a particular purpose, or non‑infringement, to the fullest extent permitted by law.[web:6][web:11]
Scudder Strategic does not warrant that any particular creditor, lender, or credit bureau will respond in a specific way or within a specific timeframe, or that any item will be removed from your credit report.[web:6][web:11]
18. Limitation of Liability
To the maximum extent permitted by law, Scudder Strategic’s total liability to you for any claim arising out of or relating to your use of services or this website will not exceed the total amount of fees actually paid by you to Scudder Strategic under the contract giving rise to the claim.[web:6][web:11]
Scudder Strategic is not liable for consequential, incidental, indirect, special, or punitive damages arising out of or related to the use of our services or website, even if advised of the possibility of such damages, except where such limitation is prohibited by law.[web:6][web:11]
19. Dispute Resolution and Governing Law
These Terms and your contract with Scudder Strategic are governed by the laws of the State of Missouri and applicable federal law, without regard to conflict‑of‑law principles.[web:11][web:14]
Any dispute arising out of or relating to your contract or our services shall be resolved in a court of competent jurisdiction located in Missouri, unless otherwise required by law or provided in your written contract.[web:11][web:14]
20. Changes to Terms
Scudder Strategic may update these Terms and Conditions from time to time by posting a revised version on this page, with an updated “Last Updated” date.[web:1]
Your continued use of the website or services after any changes are posted constitutes your acceptance of the revised Terms, but such changes will not retroactively alter any statutory rights or obligations in an existing written contract already signed by you.[web:11][web:15]