Legal information
Terms of Service
Last updated: July 15, 2026
Scope of service
The evaluation identifies information and possible options based on the documents provided. The service does not constitute legal advice and does not guarantee a specific credit outcome.
Results and accuracy
No organization can legally remove information that is accurate, complete, and verifiable. Results depend on each case and on the responses of bureaus, creditors, and third parties.
External services
The site may include affiliate links to independent providers, including SmartCredit. Those services have their own terms, costs, and policies. We may receive compensation for certain sign-ups.
Before offering credit repair services, terms, disclosures, and contracts must be reviewed to comply with CROA, FCRA, and applicable state laws.