Disclaimer

1. No Guarantee of Results

We cannot guarantee that we will be able to remove any particular item from your credit report, improve your credit score by any specific amount, or achieve any particular outcome in your credit dispute process. The outcome of any dispute is ultimately determined by the credit bureaus and the creditors and data furnishers who reported the information.

Only inaccurate, unverifiable, or legally non-compliant information can be successfully disputed and removed. Accurate negative information that has been verified may remain on your credit report for the time periods prescribed by law — typically seven (7) years for most negative items and ten (10) years for Chapter 7 bankruptcy.

2. Not a Law Firm — No Legal Advice

Credit Approval Solutions is a credit restoration company, not a law firm. We are not attorneys. The information provided on our website and during consultations is for general informational purposes only and does not constitute legal advice. For legal questions regarding creditor violations, FDCPA or FCRA litigation, please consult a licensed consumer protection attorney in your state.

3. You Can Dispute for Free

Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information directly with the three major credit bureaus at no cost. You do not need to hire a credit repair company to exercise your rights.

• Equifax: equifax.com/personal/credit-report-services
• Experian: experian.com/disputes
• TransUnion: transunion.com/credit-disputes
• CFPB: consumerfinance.gov

Credit Approval Solutions provides a professional service to assist you through this process, but we are transparent that this service is available to you at no charge if you choose to do it yourself.

4. Credit Repair Organizations Act (CROA) Compliance

Credit Approval Solutions operates in full compliance with the federal Credit Repair Organizations Act (CROA). Under CROA, you have the right to:

• A written contract before any services begin
• Cancel any contract within three (3) business days of signing without penalty
• Not be charged before services are fully performed (in applicable jurisdictions)
• Sue a credit repair organization that violates CROA in federal court

5. No Fraudulent Practices

Credit Approval Solutions does not participate in, endorse, or facilitate any form of credit fraud, including the use of a Credit Privacy Number (CPN) or EIN as a substitute for a Social Security Number, misrepresentation of identity on any credit or loan application, or disputing information you know to be accurate and true.

Any client requesting fraudulent services will have their account immediately terminated. Engaging in credit fraud is a federal crime.

6. Testimonials & Results

Any testimonials or success stories displayed in our marketing represent individual client experiences and are not typical results. They should not be interpreted as a guarantee of your individual outcome.

7. SMS Disclaimer

Text messages from Credit Approval Solutions are sent only to individuals who have provided express prior consent. We do not send unsolicited commercial text messages. All messages include opt-out instructions. Reply STOP to opt out at any time. Message and data rates may apply.

8. Third-Party Links

Our website may contain links to third-party websites provided for convenience only. We do not control or assume responsibility for the content or privacy practices of any third-party sites.

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