Credit Services Disclosure

Nature of Services

ScoreCraft Credit Solutions LLC ("ScoreCraft") provides consumer credit-education and credit-assistance services. ScoreCraft is not a law firm and does not provide legal, tax, accounting, or lending advice. ScoreCraft is not a credit bureau, bank, lender, government agency, or law-enforcement agency.

No Affiliation

ScoreCraft is not affiliated with or endorsed by Equifax, Experian, TransUnion, ChexSystems, Early Warning Services, any bank, lender, or governmental body. Any references to third parties are for informational purposes only.

Consumer Right to Dispute Information

Consumers may dispute inaccurate or incomplete information on their credit reports directly with consumer reporting agencies, without hiring ScoreCraft or any credit-services organization. Consumers should not dispute information they know to be accurate.

No Guarantee of Removal

Accurate, current, and verifiable information cannot be guaranteed for removal. ScoreCraft's services focus on reviewing credit-report information and, where appropriate, disputing information that may be inaccurate, incomplete, outdated, or unverifiable.

No Guarantee of Results

No specific deletion, investigation result, score change, approval, or completion time is guaranteed. Results vary according to each consumer's individual facts, records, creditor responses, bureau procedures, and other circumstances outside ScoreCraft's control.

Website Forms Request Information or Consultations Only

Website forms request information or consultations only. Submitting a form does not create a client relationship, authorize services, or create a payment obligation.

Separate Written Agreement and Disclosures Required

A separate written agreement and required consumer disclosures must be provided before any credit services begin. The written agreement will describe the services to be performed, the total cost, the payment schedule, and the estimated performance period.

Cancellation Period

Services do not begin during the applicable cancellation period. Consumers have the right to cancel a covered credit-services agreement within three business days of signing without penalty or obligation. See our Cancellation Rights page for more information.

Advance Payment Policy

No consumer credit-services payment may be collected before the agreed services associated with that payment have been fully performed.

Secure Document Handling

Consumers should not submit sensitive documents, including Social Security numbers, complete dates of birth, credit-report documents, account numbers, or identity documents, through ordinary public forms or email unless ScoreCraft provides an approved secure method for receiving them.

Consumer Rights Under Federal Law

Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., consumers have the right to:

• Cancel a credit-services contract within three business days of signing
• Dispute inaccurate information in their credit reports themselves, at no charge
• Receive a written contract detailing services, total costs, and performance timeline
• Receive a copy of the "Consumer Credit File Rights Under State and Federal Law" disclosure before signing any agreement

Related Policies

• Cancellation Rights
• Refund and Payment Policy
• Terms of Use
• Privacy Policy