By creating an account or using any feature of this platform, you agree to these Terms of Service. If you do not agree, do not use the platform.
C3 Credit 2 Millz is a credit education and dispute tools platform operated by Warren J Estates LLC, doing business as C3 Credit 2 Millz ("C3," "we," "us," "our"). Our registered business address is 44620 Valley Central Way #1147, Lancaster, CA 93536. Contact: contact@c3credit2millz.com | +1 (818) 457-9720.
C3 Credit 2 Millz provides tools, educational resources, and guided workflows to help consumers understand their rights under federal consumer protection law and prepare dispute correspondence. C3 is not a law firm and does not provide legal advice.
C3 Credit 2 Millz provides the following features depending on your subscription tier:
| Tier | Price | Features |
|---|---|---|
| Starter | Free | Basic platform access, limited dispute letters |
| Personal | $99/mo | Full dispute letters, credit building tools, C3 Intelligence |
| Business | $199/mo | Personal + business credit tools, launchpad, funding resources |
| Elite | $299/mo | Business + advanced strategies, priority support |
| Consultant | $499/mo | Elite + client management, referral tools |
C3 Credit 2 Millz provides immediate access to all platform tools, templates, and educational resources upon subscription activation. The full service is delivered at the time of payment. No services are withheld pending future performance.
By using C3 Credit 2 Millz, you agree that:
C3 Credit 2 Millz does not guarantee any specific result, including but not limited to: deletion of negative items, improvement of credit scores, approval for loans or credit cards, or any financial outcome. Results vary based on individual credit situations, bureau responses, and furnisher cooperation. Past results shown in community case studies are not guarantees of future outcomes.
C3 Credit 2 Millz is not a law firm. Nothing on this platform constitutes legal advice. The legal information provided — including references to FCRA, FDCPA, SCRA, CFPB regulations, and case law — is for educational purposes only. For legal advice specific to your situation, consult a licensed attorney.
All content on C3 Credit 2 Millz — including the platform design, C3 Intelligence system, dispute routing framework, deletion priority protocol, educational content, logos, and branding — is the exclusive property of Warren J Estates LLC. You may not copy, reproduce, distribute, or create derivative works from any part of this platform without express written permission.
Trademarks: C3 Credit 2 Millz™, Fix · Build · Fund™ are trademarks of Warren J Estates LLC. Trademark applications pending under Class 36 and Class 42.
Personal-use license; no resale. Letters and documents generated for you are licensed for your own personal credit use only. You may not resell, redistribute, sublicense, republish, or share the generated letters, templates, or any derivative of them with or to any other person or business. Violation terminates your license and may result in account termination.
Your use of this platform is subject to our Privacy Policy, which is incorporated into these Terms by reference. We comply with GLBA 15 U.S.C. §§ 6801-6802 regarding the protection of your nonpublic personal financial information.
To the maximum extent permitted by law, Warren J Estates LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this platform. Our total liability to you for any claim shall not exceed the amount you paid us in the 3 months preceding the claim.
These Terms are governed by the laws of the State of California. Any disputes shall be resolved in the courts of Los Angeles County, California, or through binding arbitration at our election.
Warren J Estates LLC dba C3 Credit 2 Millz
44620 Valley Central Way #1147
Lancaster, CA 93536
Email: contact@c3credit2millz.com
Phone: +1 (818) 457-9720
Federal law requires that we provide you with this disclosure before you sign any contract or pay any money for credit repair services. Read it carefully.
You have a right to dispute inaccurate information in your credit report without the help of a credit repair organization for free. You may contact a credit reporting agency directly.
You have the right to obtain a copy of your credit report from each of the three major credit bureaus free of charge at AnnualCreditReport.com. You have the right to dispute inaccurate or incomplete information directly with credit bureaus at no cost. You do not need to pay anyone to exercise these rights.
| Bureau | Free Dispute Portal | Phone |
|---|---|---|
| Experian | experian.com/disputes | 1-888-397-3742 |
| TransUnion | transunion.com/disputes | 1-800-916-8800 |
| Equifax | equifax.com/disputes | 1-866-349-5191 |
Under the Credit Repair Organizations Act, C3 Credit 2 Millz is prohibited from:
If C3 Credit 2 Millz violates the Credit Repair Organizations Act, you may sue for actual damages, punitive damages up to $5,000 per violation, attorney fees and costs, and any other relief the court deems appropriate.
Before you pay for any C3 Credit 2 Millz services, we are required to provide you with a written contract that includes:
This information is provided in our Terms of Service and confirmed at the time of subscription purchase.
Check the box below to acknowledge. Federal law requires you to read and acknowledge this disclosure before using C3 Credit 2 Millz dispute services. You must acknowledge both this CROA Disclosure and the Notice of Right to Cancel.
Federal law gives you the right to cancel your C3 Credit 2 Millz contract at no cost within 3 business days of the date you signed the contract. You do not need to provide a reason.
To cancel, you must notify us in writing within 3 business days of your subscription start date. You may cancel by:
Your full name, email address on the account, date of subscription, and statement that you wish to cancel. Keep a copy of your cancellation notice for your records.
| When You Cancel | Refund |
|---|---|
| Within 3 business days of initial signup | Full refund of any amount paid |
| After 3 business days — monthly subscription | Service continues until end of billing period. No partial refund. |
| After 3 business days — annual subscription | Service continues until end of annual period. No partial refund. |
| Technical failure on our part preventing service delivery | Pro-rated refund at our discretion |
To continue, fill in all three fields below, then check the box. By signing below, you confirm that you have read and understand your right to cancel this agreement within 3 business days.
C3 Credit 2 Millz does not guarantee that using our platform will result in the removal of any negative item from your credit report, an improvement in your credit score, or approval for any credit product, loan, or financial service. Individual results vary. The credit bureaus and data furnishers make their own independent decisions about how to respond to disputes.
Results shown in community case studies and testimonials reflect the experiences of specific individuals and are not typical. Your results may differ based on your unique credit history, the accuracy of the information being disputed, and the responses of credit bureaus and furnishers.
C3 Credit 2 Millz is not a law firm and is not operated by attorneys. No information provided on this platform — including references to federal statutes (FCRA, FDCPA, SCRA, CFPB, GLBA), case law citations, or dispute strategies — constitutes legal advice.
The legal information provided is for educational purposes only, to help you understand your rights as a consumer under existing federal law. For advice specific to your legal situation, consult a licensed attorney in your state.
Dispute letters generated through C3 Credit 2 Millz are tools provided to help you exercise your rights under federal consumer protection law. By generating and sending a dispute letter, you confirm that:
Information provided on C3 Credit 2 Millz regarding credit building, business credit, funding strategies, lending products, or financial planning is for educational purposes only and does not constitute financial advice. C3 Credit 2 Millz is not a registered investment advisor, financial planner, or mortgage broker.
Before making any financial decision — including applying for loans, opening credit accounts, or implementing any funding strategy — consult a qualified financial professional.
C3 Credit 2 Millz may earn compensation through affiliate partnerships when you click on links or sign up for third-party services recommended on our platform. These include but are not limited to: Self Lender, Kovo, Kikoff, Credit Strong, Tradeline Genie, Tradeline Supply, LawDepot, Ava, RentReporters, Experian, TransUnion, LifeLock, ZenBusiness, Alliance Virtual Office, Mercury Bank, and ADP.
Affiliate relationships do not influence our educational content or dispute guidance. We only recommend products and services we believe are beneficial to our users.
C3 Credit 2 Millz integrates with third-party services including Stripe (payment processing), Lob (physical mail), and Resend (email). We are not responsible for the actions, policies, or service interruptions of these third-party providers.
Federal law requires that dispute letters be authored by the consumer whose credit is being disputed. By signing below, you confirm that you are the consumer, that the information is accurate, and that you authorize this dispute to be sent on your behalf.
By providing your electronic signature below, you confirm and agree to all of the following:
Your electronic signature is legally binding under the Electronic Signatures in Global and National Commerce Act (ESIGN Act, 15 U.S.C. § 7001) and the Uniform Electronic Transactions Act (UETA). By typing your name and checking the acknowledgment box, you are creating a legally valid electronic signature equivalent to a handwritten signature.
The funding strategies, loan stacking guides, business credit information, and financial resources provided by C3 Credit 2 Millz are for educational purposes only. This is not financial advice. Results are not guaranteed. Individual outcomes depend on creditworthiness, income verification, lender decisions, and other factors outside our control.
Information about personal loan lenders including Upgrade, LightStream, Best Egg, SoFi, and others is provided for educational purposes. C3 Credit 2 Millz does not guarantee approval from any lender. Loan approval depends on each lender's independent underwriting criteria including credit score, income verification, debt-to-income ratio, and other factors.
When applying for personal loans, always provide truthful information about your employment status, income, and intended use of funds. Misrepresentation on loan applications is fraud and may result in criminal prosecution. C3 Credit 2 Millz recommends full truthfulness on all financial applications.
Information about building business credit, Net30 vendors, business banking, Wyoming LLC strategies, and other business credit topics is educational. Business credit results depend on your business structure, payment history, time in business, and other factors. C3 Credit 2 Millz does not guarantee that following our educational content will result in business credit approval.
Information about business vehicle acquisition and asset strategies is provided for educational purposes only. Consult a qualified tax professional, financial advisor, and/or attorney before making any major asset purchase or business decision. Tax implications, insurance requirements, and legal compliance vary by state and business structure.
Information about Stripe merchant accounts and payment processing is educational. Stripe's approval of merchant accounts is subject to their own terms of service and underwriting. C3 Credit 2 Millz is not affiliated with Stripe beyond standard platform usage and does not guarantee merchant account approval.
C3 Credit 2 Millz may receive compensation when you apply for or obtain financial products through links on our platform. This compensation does not affect the educational content we provide or the strategies we teach. All lenders and financial products mentioned are independent companies.
C3 Credit 2 Millz collects only the information needed to help you dispute items on your credit report. We protect your nonpublic personal financial information under the Gramm-Leach-Bliley Act (GLBA). We do not sell your data.
To provide the platform, we collect and process the following categories of information:
c3UserId) used to associate your reports and disputes across visits. This is not tied to your real-world identity.We do not collect government-issued IDs, full Social Security numbers, or login credentials. Your last-4 SSN, credit-account numbers, and street address are not stored on our servers — they stay on your device and are merged into your letters only when you view, print, or mail them. Last-4 SSN entered for e-signature is used only for the dispute correspondence itself and is not stored separately.
We share information with the following processors only to the extent required to deliver the service. Each is bound by their own privacy and security obligations.
| Processor | Purpose | Data Shared |
|---|---|---|
| Anthropic, PBC | C3 Intelligence Credit Analyzer of credit report PDFs and generation of dispute letter text | Credit report contents and dispute prompts; not retained for model training per Anthropic's API terms |
| Lob, Inc. | Certified physical mail delivery of dispute letters | Letter contents, sender name and address, destination bureau address |
| Upstash, Inc. | Encrypted Redis storage for dispute and mailing records | Dispute payloads and mailing records (90-day TTL) |
| Vercel, Inc. | Application hosting and serverless function execution | HTTP request metadata; standard hosting logs |
We do not sell, rent, or trade your personal information to third parties for advertising or marketing purposes.
Under the Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801-6802), we treat the financial information you provide as nonpublic personal information ("NPI"). We:
You have the following rights regarding your personal information:
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and the right to deletion. We honor verifiable consumer requests within 45 days.
To exercise any of these rights, email contact@c3credit2millz.com with your browser UUID (visible in your account settings) and a description of your request.
C3 Credit 2 Millz does not use third-party advertising cookies or behavioral tracking. We use only first-party browser localStorage to store your anonymous UUID, parsed reports, and legal acknowledgments. We do not run third-party analytics, advertising pixels, or social media trackers on this application.
C3 Credit 2 Millz is not directed to children under 18. We do not knowingly collect information from minors. If you believe we have collected information from a minor, contact us and we will delete it.
We may update this Privacy Policy from time to time. Material changes will be communicated by updating the effective date above and, where appropriate, by displaying a notice on the platform. Your continued use of the platform after a change constitutes acceptance of the revised policy.
Warren J Estates LLC dba C3 Credit 2 Millz
Attn: Privacy Officer
44620 Valley Central Way #1147
Lancaster, CA 93536
Email: contact@c3credit2millz.com
Phone: +1 (818) 457-9720