Terms of Use

Acceptance of the Terms

By accessing or using the website operated by ScoreCraft Credit Solutions LLC ("ScoreCraft," "we," "us," or "our") at https://scorecraftsolutions.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Eligibility and Lawful Website Use

You must be at least 18 years of age to use this website. You agree to use the website only for lawful purposes and in a manner that does not violate applicable laws or infringe the rights of others.

Texas-Focused Consumer Service Area

ScoreCraft currently serves consumers residing in Texas residents only. Information on this website is provided for residents of Texas. If you reside outside Texas, these terms may not apply to your situation, and we may not be able to provide services in your jurisdiction.

Informational Nature of Website Content

All content on this website is for general educational and informational purposes. It is not legal, tax, accounting, investment, lending, or individualized financial advice. You should consult qualified professionals for advice specific to your individual situation.

No Client Relationship From Browsing or Submitting a Form

Browsing this website or submitting a contact or consultation form does not create a client relationship between you and ScoreCraft. A client relationship may arise only after required disclosures are provided, a separate written agreement is signed, and the applicable cancellation period has expired.

Separate Written Agreement Required for Credit Services

Any consumer credit-services engagement requires a separate written agreement that describes the services to be performed, the total cost, the payment schedule, and the estimated performance period. No services begin solely because a website form was submitted.

Required Disclosures and Cancellation Period

Before any consumer credit services begin, ScoreCraft will provide the required consumer disclosures and a written agreement. Consumers have the right to cancel a covered credit-services agreement within three business days of signing. See our Cancellation Rights page for more information.

No Services Beginning Solely Because a Form Was Submitted

Submitting a website form requests information or a consultation only. It does not authorize work, does not create a payment obligation, and does not begin any credit-services engagement.

No Advance Collection for Unperformed Consumer Credit Services

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

No Guarantee of Credit-Score Increases

ScoreCraft does not guarantee any particular credit-score increase. Credit scores are influenced by many factors outside our control, and results vary by individual.

No Guarantee of Deletion or Removal

ScoreCraft does not guarantee the deletion or removal of any specific item from a credit report or consumer report. Accurate, current, and verifiable information generally cannot be removed.

No Guarantee of Loan, Mortgage, Vehicle, Rental, Employment, Bank-Account, or Funding Approval

ScoreCraft does not guarantee approval for any loan, mortgage, vehicle financing, rental, employment, bank account, or funding opportunity. Lender and creditor decisions are made independently and are outside ScoreCraft's control.

Accurate, Current, and Verifiable Information Cannot Be Guaranteed for Removal

Accurate, current, and verifiable information that appears on credit reports or consumer reports cannot be guaranteed for removal. Our services focus on reviewing and, where appropriate, disputing information that may be inaccurate, incomplete, outdated, or unverifiable.

Consumers May Dispute Inaccurate Information Themselves

Consumers have the right to 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.

User Responsibilities

You are responsible for providing truthful and accurate information when using our website. You are responsible for reviewing documents, making your own decisions, and consulting qualified professionals when appropriate.

Prohibited Use

You agree not to:

Attempt to gain unauthorized access to systems, accounts, or data
Interfere with or disrupt website operations
Use automated tools to scrape or collect data without permission
Transmit viruses, malware, or other malicious code
Use the website for any unlawful, fraudulent, or abusive purpose
Submit false identity-theft reports or dispute information known to be accurate

Intellectual-Property Rights

All content on this website, including text, graphics, logos, and design elements, is the property of ScoreCraft Credit Solutions LLC or its licensors and is protected by copyright, trademark, and other intellectual-property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

Third-Party Websites and Services

This website may contain links to third-party websites and services. We do not endorse and are not responsible for the content, policies, or practices of third-party sites. Your use of third-party websites is at your own risk.

Electronic Communications

By using this website, you consent to receive electronic communications from ScoreCraft. Communications may include email responses to your inquiries and other service-related messages. You may withdraw marketing consent at any time without affecting service-related communications.

Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied. ScoreCraft does not warrant that the website will be error-free, uninterrupted, or free of harmful components.

Reasonable Limitation of Liability

To the fullest extent permitted by applicable law, ScoreCraft Credit Solutions LLC shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use this website or its content. This limitation is subject to all nonwaivable consumer rights under applicable state and federal law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless ScoreCraft Credit Solutions LLC and its affiliates from claims, damages, liabilities, and expenses arising from your misuse of the website or violation of these Terms of Use. This indemnification is subject to all nonwaivable consumer rights.

No Waiver of Nonwaivable Consumer Rights

Nothing in these Terms of Use is intended to waive or limit any consumer right that cannot be waived under applicable state or federal law, including rights under the Credit Repair Organizations Act or applicable Texas consumer-protection law.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Texas Governing Law

These Terms of Use are governed by the laws of Texas, subject to applicable federal and consumer-protection law, without regard to conflict-of-law principles.

Dallas County Venue

Any legal action arising from these Terms of Use shall be brought in Dallas County, Texas, when legally enforceable, subject to applicable law and any nonwaivable consumer rights regarding venue.

Changes to the Terms

We may update these Terms of Use from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the website after changes constitutes acceptance of the updated terms.

Contact Information

If you have questions about these Terms of Use, you may contact us at:

Email: info@scorecraftsolutions.com
Phone: 901-616-2358