Disclaimer
Last updated: October 24, 2025
General Disclaimer
The information provided by FixMyCredit is for general informational and educational purposes only. All information on the site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.
Not Financial or Legal Advice
The content on FixMyCredit does not constitute financial, legal, or professional advice. Before taking any actions related to credit repair, you should consult with a qualified professional in the relevant field.
Credit Score Simulations
Our Monte Carlo credit score simulations are statistical models based on historical data and industry practices. These simulations are estimates only and do not guarantee actual results. Actual credit score changes may vary significantly based on numerous factors including:
- Individual credit history and behavior
- Credit bureau algorithms and scoring models
- Economic conditions and lending practices
- Actions taken by creditors and credit bureaus
No Guaranteed Results
While we provide tools and guidance to help improve credit scores, we cannot and do not guarantee any specific results or outcomes. Credit repair is a complex process that depends on many individual factors beyond our control.
Credit Bureau Relationships
FixMyCredit is not affiliated with, endorsed by, or sponsored by Experian, TransUnion, Equifax, or any other credit bureau or financial institution. Any integration with credit bureaus is done through authorized APIs and third-party services.
Fair Credit Reporting Act (FCRA)
Our dispute letter templates and guidance are designed to help you exercise your rights under the Fair Credit Reporting Act. However, we are not law firm and do not provide legal representation. If you need legal assistance, please consult with a qualified attorney.
Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled byFixMyCredit. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
User Responsibility
You are solely responsible for:
- Verifying the accuracy of your credit information
- Ensuring all dispute letters and communications are truthful and accurate
- Complying with all applicable laws and regulations
- Making informed decisions about your credit and financial matters
Changes to This Disclaimer
We may update this Disclaimer from time to time. We will notify you of any changes by posting the new Disclaimer on this page and updating the "Last updated" date.
Professional Advice
The information on this site is intended as a starting point for your own research and is not a substitute for professional financial or legal advice. Always seek the advice of qualified professionals for your specific situation.
Contact Us
If you have any questions about this Disclaimer, please contact us at support@fixmycredit.fyi.