MILLENNIUM BUDGET CONSULTING
TERMS
&
CONDITIONS
www.milleniumbudget.com
Collection and Use of Information
We generally collect two kinds of information: Submitted Information and Automatic Information. Submitted Information is the data users voluntarily send us through our web- based forms. This may include name, telephone number, mailing address, and email address, as well as any other information that may be required to match users to an education-related product or service. Submitting this information allows us the ability to provide the information requested by our visitors. Submitted information is stored and shared
with schools and other third parties when necessary in order to provide users with information on education-related services, schools, and programs.
Agreement Overview
These Terms and Conditions ("Terms") govern your use of the website, services, tools, and programs offered by Millennium Budget Consulting ("MBC," "we," "us," or "our"), operating as MBC Financial Rescue, a GSA Financial Literacy Foundation Company, headquartered in Oklahoma City, Oklahoma.
MBC is licensed under the Oklahoma Credit Services Organization Act (Title 24 O.S. §§ 131–148) and operates in compliance with the Federal Credit Repair Organizations Act (15 U.S.C. §§ 1679 et seq.).
By enrolling in any MBC service, accessing our website at millenniumbudget.com, or using any of our tools or platforms, you agree to be bound by these Terms. Please read them carefully before enrolling.
⚠️ You have the right to cancel your credit repair services agreement within 5 business days of signing without any penalty or obligation under the Oklahoma Credit Services Organization Act (Title 24 O.S. § 137).
Services Offered
MBC offers the following services and products:
Credit Repair Plans (Powered by DisputeProcess Portal)
Blueprint — $97/mo ($307/quarter · $627/6 months): Guided DIY credit repair. Up to 18 months of dispute rounds across all three bureaus (Equifax, Experian, TransUnion) using Metro2 and factual disputing. Includes CFPB complaint filing, access to 14 vetted credit building partners through the portal Resources tab, MBC Learning Portal, MBC Money Hub (add-on), and community access. Single person coverage.
Restore — $197/mo ($637/quarter · $1,267/6 months): Full done-for-you credit repair. All Blueprint features plus dedicated account manager, FCRA legal referral evaluation, Section 623 creditor-level escalation, NotaryFox Power of Attorney notarization ($49.95 one-time), mid-program assessment, customized financial plan, accountability sessions, and Money Hub included. Single person coverage.
Elevate — $297/mo ($937/quarter · $1,907/6 months): All Restore features for two people simultaneously. Coordinated dispute strategy, customized household financial plan, 1:1 accountability sessions, Money Hub Premium included, and private community access. Couples and family coverage.
Required Add-Ons
SmartCredit® Monitoring — Required for all active credit repair clients. 7-day trial at $5.97, then from $19.95/mo ($39.97/mo for full DIY tier). Billed directly through SmartCredit®. Governed by SmartCredit's own terms and conditions.
NotaryFox Remote Notarization — Required for Restore and Elevate plans. $49.95 one-time fee. Remote online notarization of your Power of Attorney document. Governed by NotaryFox's own terms.
Financial Education & Tools
MBC Learning Portal (academy.millenniumbudget.com) — Included with all credit repair plans. Course library, monthly money challenges, and community access.
MBC Academy — $49.95/mo standalone upgrade. Premium course catalog, masterclasses, and exclusive community access. Available to non-credit-repair subscribers.
MBC Money Hub (millenniumbudget.moretomoney.com) — $19.97/mo financial counseling tool. Budget coaching, cash flow management, savings goals, debt payoff planning, account monitoring, and net worth tracking. Included with Restore and Elevate plans. 30-day free trial available. Add-on for Blueprint.
7-Day Money Challenge — Powered by SmartCredit®. $5.97 for 7-day access. Entry point to the MBC ecosystem. Includes full SmartCredit® platform access and ScoreBuilder® 120-day plan. After 7 days, continues at SmartCredit's applicable monthly rate.
Referral & Affiliate Program — Open to approved partners. 10% commission on qualifying referrals. Governed by the separate Referral Partner Agreement.
Your Consent
We only collect, use, and/or disclose your information with your consent. Your consent may be implied from the circumstances or may be expressly given for a particular purpose. For example, when you submit your personal information to us, you are consenting to the collection, handling, use, and disclosure of your personal information for the purposes identified or apparent at the time of collection as otherwise described in this Privacy Policy.
Enrollment & Billing
Enrollment Process: Enrollment in any credit repair plan requires completion of the 5-day onboarding process including: signing the Credit Repair Services Agreement, uploading required identity documents, completing notarization (Restore and Elevate), setting up SmartCredit® monitoring, and authorizing payment.
Admin / Enrollment Fee: Your first month's plan fee serves as the enrollment and administrative processing fee, collected on Day 5 of onboarding — after documents are verified, agreement is signed, and notarization is complete (where applicable).
Recurring Billing: Monthly plans are billed on the same date each month following the enrollment fee collection date. Quarterly and 6-month plans are prepaid at enrollment.
Payment Methods: Payments are processed electronically through your authorized payment method on file. By enrolling, you authorize MBC to charge your payment method for all applicable fees.
Under the Oklahoma Credit Services Organization Act (Title 24 O.S. § 136), we may not charge or receive any payment before fully performing all services we have agreed to perform. Our billing structure complies with this requirement — dispute rounds are completed each cycle before the next billing period.
Failed Payments: If a payment fails, your account manager will notify you and your portal access and dispute services may be paused until payment is resolved. We will attempt to contact you by email and through your client portal.
Refund Policy: Monthly fees are non-refundable after the 5-business-day cancellation window has passed, except as required by applicable law. Quarterly and 6-month prepaid plans are non-refundable after the 5-day window.
Use of Your Personal Information
By submitting personal information, you authorize Millennium Budget Consulting , as
well as our affiliated schools and partners, to contact you in accordance with all
applicable laws by phone, text messages, email, or mail regarding education options or
related topics. If you receive email communications from us, a school, or a third party, you may unsubscribe through an opt-out link in the email that will remove you from any
further mailings from that sender.
By utilizing, Millennium Budget Consulting you acknowledge and agree that the
automatic information collected on our website may be shared with schools, affiliated
companies, and third parties for the purpose of providing information about degrees, programs,
and other education-related products and services. You also acknowledge and agree that we retain the right to release any collected information, including personally identifiable information, to businesses providing our company with administration services (such as an email delivery service). Through this action, you grant us, our affiliates, and partners and vendors the right to contact you for
a period of time, and relinquish any rights granted to you by the Do Not Call list or other applicable law. Your submission serves as an omission to Do Not Call requirements established by state and federal governments and may exempt us from other applicable laws. We retain the right to release your personal information when required to do so by law. For example, we may do this to abide by a
subpoena or other legal procedure, when we believe it is necessary to preserve our rights, to ensure the safety of you or others, to explore alleged fraud, to reply to a government or legal request, and/or in the instance that Millennium Budget Consulting are merging, in the acquisition, or selling some or all
of its assets to a third party.
Right to Cancel — Oklahoma Law
✓ You may cancel your credit repair services agreement within 5 business days of signing, without any penalty or obligation, by delivering written notice to MBC Financial Rescue at support@millenniumbudget.com. This is your unconditional right under the Oklahoma Credit Services Organization Act (Title 24 O.S. § 137).
To cancel after the 5-business-day window, you may terminate your agreement at any time by providing written notice (email is acceptable) to support@millenniumbudget.com. Your services will continue through the end of your current billing cycle. Any commissions earned by referral partners prior to termination will be honored per the Referral Partner Agreement.
Upon cancellation you agree to cease using any MBC materials, tools, or systems for which access was provided as part of your plan. Your client portal access will be disabled at the end of your final billing cycle.
Client Responsibilities
As a client of MBC, you agree to:
Not make any false statements to any credit reporting agency, creditor, or data furnisher in connection with our services, in compliance with 15 U.S.C. § 1679b(a)
Keep your contact information, payment method, and portal account current
Direct all creditor and collector contact to mail only, and report all contact attempts to your account manager through your portal
Not make any payments on disputed accounts, admit to disputed debts, or engage with creditors by phone regarding disputed items without first consulting your account manager
Not dispute any items on your own through any other channel while MBC is actively working your file, as duplicate disputes may interfere with our process
Maintain your SmartCredit® monitoring subscription for the duration of your active credit repair program
Upload all bureau responses, CFPB correspondence, and creditor letters to your client portal promptly upon receipt
Provide accurate, complete, and truthful information throughout the enrollment and dispute process
Use of Cookies
By using this website, you acknowledge that we use cookies and consent to our use of cookies.
Cookies are small pieces of data sent from a website and stored in the user’s web browser, most
commonly used for technical purposes such as web analytics. Our web analytics is primarily
performed using Google Analytics, a tool provided by Google, Inc. Advertising cookies do not contain personally identifiable information, but they do permit advertisers to make ads more relevant to the user’s interests. For more information about Google Analytics, check Google’s privacy policy at http://www.google.com/intl/en/analytics/privacyoverview.html. We, including activities through services and partnerships with vendors and third-party
service providers, may use cookies for: Web analytics such as demographic and other anonymous data for web optimization and other analysis; “Lead auditing” to ensure the accuracy, relevance, and validity of submitted information; Marketing and conversion-tracking cookies for, but not limited to, targeting and optimizing digital ad serving.
Use of Your Personal Information
You can remove cookies at any time through your browser settings, though you may need to do this every time you visit Millennium Budget Consulting. You can also generally opt out of receiving personalized ads from third-party advertisers and ad networks that are members of the Network Advertising Initiative (NAI) or that follow the Digital Advertising Alliance’s Self-Regulatory principles for Online Behavioral Advertising. Do this by visiting the opt-out pages on the NAI website and DAA websites.
No Guarantee of Results
As required by the Federal Credit Repair Organizations Act (15 U.S.C. § 1679c), we provide the following disclosure:
We cannot guarantee the removal of any specific item from your credit report, a specific credit score increase, or a specific outcome within a specific time period. Results vary based on individual circumstances including the nature of negative items, creditor and bureau responsiveness, and your own credit activity during the program.
Accurate, current, and verifiable information cannot be removed from your credit report regardless of the dispute method used. MBC's dispute process is compliance-based and factual — we do not use deceptive practices or make false claims on your behalf.
MBC will work diligently on your behalf using every legal tool available including bureau disputes, CFPB complaints, Section 623 creditor-level escalation, and FCRA legal referrals. Continued engagement and compliance with client responsibilities is required for best results
Intellectual Property
All content on millenniumbudget.com, academy.millenniumbudget.com, and our client portal — including text, graphics, logos, course materials, challenge content, templates, and software — is the property of Millennium Budget Consulting or its licensors and is protected by applicable copyright, trademark, and intellectual property law.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any MBC content without express written permission. The 52-Week Revenue Marketing Manager Playbook, course content, and all proprietary program materials remain the exclusive intellectual property of MBC and may not be resold or redistributed.
Limitation of Liability
To the fullest extent permitted by applicable law, MBC's total liability to you for any claim arising out of or related to these Terms or our services shall not exceed the total fees paid by you to MBC in the three months preceding the claim.
MBC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, loss of data, or loss of goodwill, arising from your use of or inability to use our services, even if MBC has been advised of the possibility of such damages.
MBC is not responsible for the acts, omissions, or services of third-party providers including SmartCredit®, NotaryFox, DisputeProcess, Money Hub, LegalShield, or any of the 14 vetted partners accessible through the client portal Resources tab. Each third-party service is governed by its own terms and conditions.
Dispute Resolution & Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms or our services shall first be submitted to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be submitted to binding arbitration in Oklahoma City, Oklahoma, under the rules of the American Arbitration Association.
Nothing in this section prevents you from filing a complaint with the Oklahoma Department of Consumer Credit or any other applicable regulatory authority.
Oklahoma Department of Consumer Credit
4545 N. Lincoln Blvd., Suite 164
Oklahoma City, OK 73105
(405) 521-3653 · ok.gov/okdocc
Affiliate & Referral Program Terms
Participation in the MBC Referral Partner Program is governed by the separate Referral Partner Agreement, which must be signed before any referral activity or commission tracking begins. Key terms include:
10% commission on each referred client's first paid invoice
90-day bonus: refer 3 paying clients within any 90-day period and receive your own MBC credit repair services free for the following quarter
90-day bonus: refer 3 paying clients within any 90-day period and receive your own MBC credit repair services free for the following quarter
Web form and tracking link access is gated — partners must complete portal onboarding and submit a portal message requesting access before it is activated
Partners may not perform credit repair services, collect client payments, guarantee outcomes, or misrepresent MBC services
Partners are independent contractors, not employees, of MBC
Form 1099-NEC will be issued for partners earning $600 or more in a calendar year
Community & Educational Platform Terms
Access to the MBC Learning Portal, MBC Academy, and community features (Facebook group and private community) is subject to the following:
Community participation must remain respectful, constructive, and in accordance with MBC's community guidelines
Financial information shared in community spaces is educational in nature and does not constitute licensed financial, legal, or investment advice
MBC reserves the right to remove any member from community spaces for violations of community standards
Course content and challenge materials are for personal use only and may not be redistributed or resold
The 7-Day Money Challenge is powered by SmartCredit® and governed in part by SmartCredit's terms of service
Amendments
MBC reserves the right to update these Terms at any time. Updated Terms will be posted on our website with a revised effective date. For material changes, we will provide notice through your client portal or by email. Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated Terms.
Contact
Millennium Budget Consulting
DBA MBC Financial Rescue
A GSA Financial Literacy Foundation Company
Oklahoma City, Oklahoma 73105
Email: support@millenniumbudget.com
Website: millenniumbudget.com
Client Portal: mbcrescue.scorexer.com
Terms of Use and Policy Changes Notification
From time to time, we will revise our Terms of Use and Privacy Policy if and when we
change our practices. We recommend that you periodically reread this document to stay
up to date with our practices concerning your privacy and other important information.
Millennium Budget Consulting
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©2026 Millennium Budget Consulting - A GSA Financial Literacy Foundation Company | All rights reserved
Millennium Budget Consulting provides financial education and coaching services. We are not licensed financial advisors, attorneys, or credit repair organizations as defined by federal or state law. Results may vary.