Disclosures & Important Notices

Last Updated: 2024. Please read the following disclosures carefully before using any services offered by Credit Repair San Diego - Fix Your Credit Scores, located at 5069 Logan Ave, San Diego, CA 92113. By engaging our services, you acknowledge and agree to the terms and limitations described below. If you have questions, contact us at (858) 283-4568 or [email protected].

1. No Guarantee of Credit Score Outcomes

Credit Repair San Diego provides credit education, counseling, and dispute assistance services designed to help consumers understand and potentially improve their credit profiles. However:

• We do not guarantee any specific increase in your credit score or credit rating.
• Credit score changes, if any, depend on a wide range of factors including your individual credit history, creditor responses, the accuracy of disputed items, and actions taken by the major credit bureaus (Equifax, Experian, and TransUnion).
• Results vary significantly from one consumer to another. Past results achieved for other clients are not indicative of future results for your account.
• Any timelines referenced for potential credit improvement are estimates only and typically range from 30 to 180 days depending on the complexity of your credit profile and creditor response times.

2. No Guarantee of Loan Approval or Funding

Nothing communicated by Credit Repair San Diego — verbally, in writing, or through any digital platform — constitutes a promise or guarantee of loan approval, mortgage qualification, credit card acceptance, or any other form of financing. Specifically:

• Improving your credit profile may increase your eligibility for certain financial products, but approval decisions rest solely with individual lenders and creditors.
• Lenders evaluate applicants using a variety of criteria beyond credit scores, including income verification, debt-to-income ratios, employment history, and collateral, among other factors.
• We have no affiliation with any lender and do not make credit or lending decisions on behalf of any financial institution.

3. No Representation of Specific Rates, Payments, or APR

Credit Repair San Diego does not quote, promise, or imply any specific interest rate, annual percentage rate (APR), monthly payment amount, or loan term. Please be aware that:

• Interest rates and loan terms are determined exclusively by individual lenders based on their own underwriting guidelines and your credit profile at the time of application.
• Any rate information you may encounter through our marketing materials or website is for illustrative purposes only and does not represent an offer or commitment to lend.
• Rates, payments, and terms vary by lender, applicant profile, loan type, and market conditions and are subject to change at any time without notice.

4. Credit Repair Organizations Act (CROA) Compliance

Credit Repair San Diego operates in compliance with the federal Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and applicable California state laws, including the California Credit Services Act of 1984. Under these laws, you have the right to:

• Cancel any signed contract without penalty within three (3) business days of signing.
• Receive a written contract detailing all services, fees, and your rights before any services are performed.
• Dispute inaccurate information on your credit report directly with the credit bureaus at no cost to you.
• Know that we cannot legally remove accurate, verifiable negative information from your credit report before its lawful reporting period expires.

5. Individual Results May Vary

Every consumer's credit situation is unique. The following factors, among others, can influence the outcome of credit repair efforts:

• The age, type, and severity of negative items on your credit report
• Creditor and collection agency response to disputes
• Your ongoing credit habits and payment behavior during the service period
• The number of open accounts, credit utilization, and length of credit history
• Changes in credit scoring models used by lenders

We encourage all clients to maintain responsible financial habits — including on-time payments and controlled credit utilization — as these factors may positively contribute to credit health over time.

6. Not Legal or Financial Advice

The information and services provided by Credit Repair San Diego are for educational and dispute-assistance purposes only. Nothing on our website, in our communications, or through our services constitutes legal, financial, or tax advice. We recommend consulting a licensed attorney, certified financial planner, or HUD-approved housing counselor for guidance specific to your financial situation.

7. Third-Party Services & Links

Our website or representatives may reference third-party services, tools, or websites for informational purposes. Credit Repair San Diego does not endorse, control, or assume responsibility for any third-party content, products, or services. Your interactions with third parties are governed solely by their own terms and policies.

8. Privacy & Data Use

Any personal or financial information you share with Credit Repair San Diego is used solely for the purpose of providing requested services. We do not sell your personal information to third parties. Please refer to our Privacy Policy for full details on how your data is collected, stored, and protected.

9. Contact Us

If you have questions about these disclosures or our services, please contact us:

• Business Name: Credit Repair San Diego - Fix Your Credit Scores
• Address: 5069 Logan Ave, San Diego, CA 92113
• Phone: (858) 283-4568
• Email: [email protected]
• Hours: Monday – Sunday: 8:00 AM – 6:00 PM

These disclosures are subject to change without prior notice. We encourage you to review this page periodically for updates.