Website terms of use

Content on this site is general education, not legal, tax or financial advice. We are not attorneys and we are not a lender.

Results vary. We do not guarantee any score change, the removal of any item, or approval for any loan, card, home or car. No one can legally remove accurate, current and verifiable information. Our money-back guarantee is a promise to refund, not a promise of results; its terms are in your contract.

We never charge before the work is done. You can dispute errors with the credit bureaus yourself, for free.

We are not affiliated with Equifax, Experian or TransUnion. Their names are used only to identify them.

We only publish real reviews from real clients. If anyone was given something for a review, we will say so.

If you become a client, your signed contract and the required disclosures control over anything on this site.