Disclaimer

1. Educational Purpose

CreditScoring.fyi is an educational website designed to help individuals understand credit scores, credit reports, and related financial concepts. All content is provided for informational and educational purposes only.

What We Provide:

• General information about credit scoring systems
• Educational resources on credit reports and credit history
• Guidance on understanding credit-related concepts
• Information based on publicly available resources from federal agencies

What We Do NOT Provide:

• Personalized financial advice
• Credit counseling services
• Credit repair services
• Legal advice
• Tax advice
• Investment recommendations

2. No Professional Relationship

Use of this website does not create a professional relationship between you and CreditScoring.fyi, its owners, or contributors. We are not:

• Financial advisors or planners
• Credit counselors
• Legal professionals
• Tax professionals
• Licensed investment advisors

For personalized advice regarding your specific financial situation, please consult with appropriately licensed professionals.

3. Accuracy of Information

While we strive to provide accurate, current, and reliable information, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, or reliability of information on this website
• The suitability of information for any particular purpose
• The currency of the information provided

Information Sources:

Our content is based on information from:

• Federal Deposit Insurance Corporation (FDIC)
• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC)
• USA.gov and other government sources
• Publicly available financial education resources

Note: Credit laws, regulations, and industry practices change frequently. While we endeavor to keep our content current, some information may become outdated. Always verify current requirements with official sources.

4. No Liability

CreditScoring.fyi and its owners, contributors, and affiliates shall not be liable for any losses, injuries, or damages arising from the use of this website or reliance on its content, including but not limited to:

• Financial losses from decisions based on information provided
• Credit score changes
• Denied credit applications
• Errors or omissions in content
• Website unavailability or technical issues
• Third-party content or links

5. Not Credit Bureau or Lender

CreditScoring.fyi is not:

• A credit reporting agency or credit bureau
• A lender or credit provider
• A credit repair organization
• A credit monitoring service

We do not:

• Access, review, or modify your credit reports
• Provide credit scores or credit reports
• Offer credit repair services
• Make credit decisions on behalf of lenders
• Guarantee any specific outcomes regarding your credit

6. Third-Party Links and Resources

This website may contain links to third-party websites and resources. These links are provided for convenience only and do not constitute an endorsement by CreditScoring.fyi.

We have no control over and assume no responsibility for:

• The content, privacy policies, or practices of third-party sites
• Products or services offered by third parties
• The accuracy of information on external sites

Your use of third-party websites is at your own risk and subject to their terms and conditions.

7. No Guarantees or Warranties

We provide this website and its content “as is” without any guarantees or warranties of any kind, including but not limited to:

• Warranties of merchantability
• Warranties of fitness for a particular purpose
• Warranties of non-infringement
• Warranties that the website will be uninterrupted or error-free

No Results Guarantee:

Following the information, strategies, or suggestions on this website does not guarantee:

• Improvement in your credit score
• Approval for credit products
• Specific financial outcomes
• Resolution of credit report disputes

8. Individual Results Vary

Credit situations are highly individual and depend on numerous factors including:

• Your complete credit history
• Current financial situation
• Credit utilization patterns
• Payment history
• Types of credit accounts
• Length of credit history

Information that applies to one person may not apply to another. Results will vary based on individual circumstances.

9. Changes to Content

We reserve the right to:

• Modify, update, or remove content at any time without notice
• Change the structure, design, or functionality of the website
• Discontinue the website or any features at any time

We are not obligated to update information for changes in law or industry practices, though we strive to do so.

10. User Responsibility

As a user of CreditScoring.fyi, you agree to:

• Use the information for personal, educational purposes only
• Verify important information with official sources
• Consult with qualified professionals before making financial decisions
• Check the date of content to ensure currency
• Report any errors or outdated information you discover

11. Testimonials and Examples

Any examples, case studies, or scenarios presented on this website are for illustrative purposes only and should not be considered typical results. They are not guarantees of specific outcomes you will experience.

12. Federal and State Law

Credit laws and regulations vary by jurisdiction and change over time. Information on this website may not reflect:

• The most recent changes to federal law
• State-specific regulations that may apply to you
• Local laws affecting credit practices

Always check current federal, state, and local laws applicable to your situation.

13. Privacy and Data

This disclaimer should be read in conjunction with our Privacy Policy, which explains how we collect, use, and protect your information.

14. Professional Consultation Recommended

Before making any significant financial decisions, we strongly recommend consulting with:

• Financial Advisors: For personalized financial planning and advice
• Credit Counselors: For assistance with debt management and credit improvement
• Attorneys: For legal matters related to credit or debt
• Tax Professionals: For tax implications of financial decisions

15. Limitation Period

Any claims arising from use of this website must be brought within one (1) year of the date the cause of action arose, to the extent permitted by applicable law.

16. Severability

If any provision of this disclaimer is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this disclaimer shall otherwise remain in full force and effect.

17. Contact Information

If you have questions about this disclaimer, please contact us through our Contact page.