The information contained on this web site is intended for educational purposes only. All of the information contained on this web site was gathered from other sources including statutes, codes, news articles, internet resources, as well as from individual consumers. That information is intended for consumer education on the topics that may appear on this web site. We attempt to provide only accurate, up-to-date information. However, statutes change every day. The credit repair, financial, etc. industry is also constantly changing. Therefore, you should consult with a professional before undertaking credit repair and/or any other financial action.

The information here is not intended as a replacement for professional advice. The owners of this web site are not credit repair lawyers. You are encouraged to seek advice from qualified, professional individuals before undertaking any action that could have an impact on your credit or financial status.

This web site does not encourage or condone any fraudulent, or dishonest behavior. You should dispute only those items on your credit report that you believe are inaccurate, out-dated or items you believe should not appear on your credit profile for some valid reason.

We do not support irresponsible financial behavior. There is no replacement for sound financial decisions. Paying your bills on-time, every time is the best way to build good credit.

This web site contains links to web sites of companies that may provide some type of financial and/or credit repair service. Any relationship that you may form with any of those companies is exclusively between you, the consumer, and that company. We do not warrant the products and/or services provided by any of those companies that are linked to this site. This site only contains links to those companies for your convenience. We do not offer any credit repair, or financial service whatsoever.

We do not ever collect any payment from any visitor to this site.

Privacy Policy

We do not collect personal information regarding your last name, phone number, address. We will not collect your email address without your knowledge.

The only way we collect your email address is if you voluntarily provide it to us and request that we send you information regarding a certain topic.

We never send any unsolicited emails. You may voluntarily provide your email address because you wish to receive information from us. We will send you information via email that is relevant only to the purpose that you requested. We will not send email containing information about topics that we consider to be irrelevant.

If you do opt to receive email from us, you may unsubscribe at any time. Every email contains a easily identifiable link so that you may unsubscribe from our mailing list.

We do not rent, sell, or distribute your email address to any third party whatsoever.

We do not use spam.

We do not ever collect any payment from any visitor to this site. We do not sell any product or provide any service and therefore will never collect any personal financial information such as credit cards or banking information.