JNRS LLCCredit Repair · Debt Consolidation Free consultation

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Terms of Service

The rules for using our website, chat, and forms, and the protections that apply to our credit repair services.

Effective date: November 10, 2026 · Last updated: November 10, 2026

1. Agreement to these terms

These Terms of Service ("Terms") govern your use of the JNRS LLC website, live chat, and contact forms (together, the "Site"). "JNRS," "we," "us," and "our" mean JNRS LLC. By using the Site you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

These Terms cover the Site only. Any credit repair, debt consolidation, or coaching services are provided only under a separate written services agreement signed by you and JNRS LLC (a "Services Agreement"). If a Services Agreement conflicts with these Terms, the Services Agreement controls for those services.

2. About our services

JNRS LLC offers credit report review, help disputing information you believe is inaccurate, incomplete, outdated, or unverifiable, debt organization and consolidation guidance, and budgeting and credit-building coaching. We work remotely by phone, text, video, and email.

  • We are not a law firm, lender, debt settlement company, debt collector, credit bureau, or licensed financial, tax, or investment advisor.
  • We do not make loans, arrange specific credit terms, hold or manage your money, or negotiate settlements of your debts.
  • Information on the Site is general and educational. It is not legal, tax, or financial advice for your specific situation.

3. No guarantee of results

We do not and cannot guarantee any specific outcome. This includes any increase in your credit score, removal of any item from your credit report, approval for any loan or credit product, any interest rate, or any timeline. Accurate, current, and verifiable information generally cannot be removed from a credit report. Results vary from person to person based on factors outside our control, including decisions by the credit bureaus, creditors, and lenders.

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus yourself, at no cost. Using our services is optional.

4. Federal and state consumer protections

Where our services are subject to the federal Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and applicable state law, including Arizona law, we follow these rules:

  • No advance fees. We do not charge or accept any payment for credit repair services before those services are fully performed.
  • Written agreement first. No services begin until you receive our required disclosures and sign a written Services Agreement that describes the services, their total cost, and the estimated time to complete them.
  • 3-day right to cancel. You may cancel a Services Agreement without penalty or obligation before midnight of the third business day after you sign it. See the Notice of Cancellation.
  • Your rights statement. You will receive the "Consumer Credit File Rights Under State and Federal Law" statement before signing. It is also published on our Consumer Disclosures page.

Costs are explained clearly during your free consultation, before any work begins. Your free consultation carries no obligation.

5. Your responsibilities

If you use the Site or our services, you agree to:

  • Provide information that is true, accurate, and complete, and keep it up to date.
  • Only ask us to dispute information you believe in good faith is inaccurate, incomplete, outdated, or unverifiable.
  • Not ask us to help you create a new credit identity, use a credit profile number (CPN) or someone else's Social Security number, or make any false statement to a credit bureau, creditor, or lender. We will not do these things.
  • Not send Social Security numbers, full account numbers, passwords, or card numbers through the website chat or contact forms. We will collect any documents we need through a secure method.
  • Use the Site lawfully and not attempt to disrupt, scrape, or gain unauthorized access to it.

6. Live chat and AI assistant

The chat on our Site ("Rosie") is an automated assistant powered by artificial intelligence. It is not a person and does not represent Justin Reding or JNRS LLC in any binding way. Chat responses may be incomplete or inaccurate, are for general information only, and do not create a contract or a client relationship. Please don't rely on the chat for decisions about your finances; speak with us directly. You can ask the chat to pass a message to Justin at any time.

7. Consent to communications

When you submit a form or leave a message, you agree that JNRS LLC may contact you about your request at the phone number and email address you provide, including by phone call and text message. Consent is not a condition of any purchase. Message and data rates may apply, and message frequency varies. Reply STOP to any text to opt out, or HELP for help. You can also ask us to stop contacting you at any time using the contact details below.

You agree that we may provide notices and documents to you electronically, including by email.

8. Website content

The Site's text, design, logos, and images are owned by or licensed to JNRS LLC and are protected by law. You may view and print pages for your personal, non-commercial use. Some images on the Site are illustrative and do not depict actual clients or staff. Third-party names such as FICO®, Equifax®, Experian®, and TransUnion® are trademarks of their owners; JNRS LLC is not affiliated with or endorsed by them.

The Site may mention or link to websites we don't control, such as AnnualCreditReport.com, the credit bureaus, the FTC, or the CFPB. We are not responsible for their content, policies, or practices.

10. Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement, to the fullest extent permitted by law. We do not warrant that the Site will be uninterrupted or error-free.

11. Limitation of liability

To the fullest extent permitted by law, JNRS LLC and its owner will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, data, or opportunities, arising out of or related to your use of the Site. Nothing in these Terms limits any right you have that cannot be waived under applicable law, including your rights under the Credit Repair Organizations Act.

12. Indemnification

You agree to indemnify and hold harmless JNRS LLC from claims arising from information you knowingly submit that is false, or from your misuse of the Site, to the extent permitted by law.

13. Governing law

These Terms are governed by the laws of the State of Arizona and applicable federal law, without regard to conflict-of-law rules. Subject to any non-waivable rights you have under applicable law, disputes relating to the Site will be brought in the state or federal courts located in Maricopa County, Arizona. Before filing a claim, we ask that you contact us so we can try to resolve the issue informally.

14. Changes to these terms

We may update these Terms from time to time. The "Last updated" date above shows when they last changed. Changes apply to your use of the Site after they are posted and do not change any Services Agreement you have already signed.

15. Other terms

If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any part is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site.

16. Contact us

JNRS LLC
Attn: Justin Reding
Phoenix, AZ
Phone / text: (623) 268-4379
Email: admin@jnrscreditrepair.store