Legal-safe credit repair disclaimers (CROA compliant)
Credit Repair Legal Disclosure (CROA Notice)
You have the right to dispute inaccurate information on your credit report by contacting credit bureaus directly at no cost. You are not required to purchase any service from Score Plus Financial to exercise your rights under federal law.
No Guarantee of Results
Score Plus Financial does not guarantee the removal of any specific item or improvement in your credit score. Results vary based on your individual credit profile and the accuracy of information reported by credit bureaus.
Accurate Information Policy
We do not remove accurate, current, and verifiable information from your credit report. Only items that are inaccurate, outdated, or unverifiable may be challenged in accordance with applicable laws.
Right to Cancel (3-Day Rule)
You have the right to cancel your service without any charge within three (3) business days from the date you sign your agreement, as required by federal law.
No Upfront Payment Policy
Score Plus Financial does not charge or receive payment for credit repair services before services are fully performed, in compliance with federal regulations.
Client Responsibility
You agree to provide accurate and complete information. Your participation, including timely responses and document submission, is essential to achieving the best possible results.
Educational Purpose Only
All tools, content, and services provided are for educational and informational purposes only and should not be considered financial, legal, or tax advice.
Independent Credit Bureaus
Score Plus Financial is not affiliated with Experian, Equifax, or TransUnion. These are independent credit reporting agencies responsible for maintaining your credit file.
Results Timeline Disclaimer
The time required to see results varies depending on your case and the response times of credit bureaus and creditors. No specific timeline is guaranteed.