Disclaimer

Last updated: April 1, 2026

Service Disclaimer

Credit Coach provides credit analysis, dispute preparation, and credit improvement support services. The information and services provided are for informational and educational purposes and should not be construed as legal, financial, or tax advice.

No Guarantee of Results

Results vary. No guarantee of deletion or score improvement.

Credit Coach does not and cannot guarantee the removal of any specific item from your credit report, any specific improvement to your credit score, or any specific outcome from our services. Individual results depend on many factors unique to your credit profile, including the nature of the items on your report, the accuracy of information reported by creditors, the responses of credit bureaus and data furnishers, and your own ongoing credit behavior.

Not a Law Firm

Credit Coach is not a law firm and does not provide legal advice or legal representation. Our services include credit report analysis, dispute letter preparation, and credit improvement recommendations. If you require legal advice regarding your credit situation, consumer rights, or any legal matter, we recommend consulting with a licensed attorney.

Your Rights Under Federal Law

Under the Fair Credit Reporting Act (FCRA), you have the right to:

  • Dispute inaccurate or incomplete information on your credit report directly with the credit bureaus at no cost.
  • Receive a free copy of your credit report annually from each of the three major bureaus through AnnualCreditReport.com.
  • Place a fraud alert or credit freeze on your credit file.
  • Seek damages from entities that violate the FCRA.

You are not required to use a third-party service like Credit Coach to exercise these rights. Our Service is designed to assist you through the process, but you may pursue disputes and credit improvement independently.

Credit Repair Organizations Act (CROA) Disclosure

In accordance with the Credit Repair Organizations Act (CROA):

  • You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
  • Neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
  • The credit bureau must remove accurate, negative information from your report only after it is more than 7 years old (10 years for bankruptcies) or if the information cannot be verified.
  • You have a right to obtain a copy of your credit report from a credit bureau.
  • You have a right to cancel this contract within 3 business days from the date you signed it.

Third-Party Content

Our Service may contain references to third-party websites, services, or resources. Credit Coach does not endorse and is not responsible for the content, accuracy, or availability of third-party resources. Use of third-party resources is at your own risk.

Limitation of Liability

Credit Coach provides its Service on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Service, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event shall Credit Coach be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Contact

If you have questions about this disclaimer, please contact us at support@creditcoach.cc.