Disclaimers

LEGAL DISCLAIMER.

Each person’s credit situation is unique. Results may vary, and CreditLady.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditLady.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

WEBSITE DISCLAIMER.

In relation to this website and any of CreditLady.com controlled websites, CreditLady.com retains attorneys to advise on internal business and legal issues. CreditLady.com is not a law firm, and is not licensed to practice law or provide legal advice. Further, there is no attorney-client relationship formed between you and a CreditLady.com-retained attorney in connection with (but not limited to) the following occurrences: (i) your receipt of information from this website; (ii) your use of this website to contact CreditLady.com; (iii) any provision of services to you by CreditLady.com; or (iv) any direct or indirect contact between you and such an attorney.

ADVERTISING (DIGITAL OR PRINT) DISCLAIMER.

In an advertising / marketing / branding scenario, CreditLady.com retains attorneys to advise on internal business and legal issues. CreditLady.com is not a law firm, and is not licensed to practice law or provide legal advice. Further, there is no attorney-client relationship formed between you and a CreditLady.com-retained attorney in connection with (but not limited to) the following occurrences: (i) your receipt of information from this material; (ii) your use of this material to contact CreditLady.com; (iii) any provision of services to you by CreditLady.com; or (iv) any direct or indirect contact between you and such an attorney.

HOW DO WE COUNT ITEM DELETIONS AND REMOVALS.

The number of accounts removed/deleted represents the combined removals for all three credit bureaus, on a per bureau basis. Example: A single (1) negative account is removed/deleted from all three credit reports, it is counted as three separate removals. A deleted/removed late payment paired within multiple payments would count as one per late reported, per bureau reporting.

CAN NEGATIVE ITEMS BE LEGALLY REMOVED?

The answer is 100% YES – The simple reason is that consumers have the legal right to request / investigate / challenge / verify (whatever word you want to use) an account reporting on their credit report. You have this right if any account/item is, in your best knowledge to be, in full, or in part: inaccurate, unverifiable, untimely, unclear or incomplete. In other words, if it is not 100% free of error or fully correct. 

WHAT IS ACCURATE?

For CreditLady.com, the word ‘accurate’ means 100% free from any current or past reporting errors. These errors are to be in no way: unclear, untimely, unverifiable or incomplete… In short, ACCURATE IS FAIR. Please note that the current reporting status of any given account/item on your credit report does not always tell the complete “fair” (accurate) story. Take a moment and look into the court rulings that have confirmed that even though some credit listings may be technically accurate, they are not truly accurate based on the particular, current circumstance.

WHAT IS VERIFIABLE?

The word ‘verifiable’ is defined and means to CreditLady.com that credit information can be verified with the source. If a creditor is unwilling, unable, or unavailable to verify that a credit item is accurate and timely, it must be removed

WHO DECIDES IF YOUR CREDIT ITEM(S) CURRENTLY REPORTING ARE QUESTIONABLE? 

The answer is simple, it is you, the consumer. With CreditLady.com, the consumer alone can, and in the end, ultimately you decide whether a reporting credit account/item should be questioned or verified or not. Only you know whether an item is not only accurate, but fair.

CreditLady.com™ does not advise that any consumer, client or not, abuse their consumer right to “fair” (accurate) credit by investigating the validity of an item in bad faith. This simple understanding that accurate and correct is determined by the account or listing is known to be 100% accurate and timely…. “FAIR”

CAN ANYTHING BE DONE TO REMOVE ACCURATE NEGATIVE ITEMS?

If the consumer knows a currently reporting, negative credit account/item is 100% accurate, CreditLady.com will not service because they do not have the legal grounds to question this item with the credit bureaus.

DO WE GUARANTEE OUR WORK? 

CreditLady.com guarantees to give direction and guidance as to how our clients have performed in the past and direct areas of general improvement specific to the FICO™ Scoring algorithm and scoring system in relation to the current items reporting. As the systems and reporting services evolve, so too will our credit advisement and overall general guidance. 

This is a loaded question, CreditLady.com™ cannot truthfully guarantee specific results, anymore than an attorney guaranteeing a particular legal outcome. It is also important to note we cannot promise a particular credit result within a certain time frame since every client file and credit report is different. 

There are no guarantees involved with our services offered or Service Levels. It is important to understand that a Credit Service Organization cannot guarantee results within a certain time frame or score improvement. No credit repair company should ever guarantee a removal or success, they are not being honest with you. CreditLady.com’s 25+ years of combined credit industry experience and its good name as assurances that your file will be fully serviced and handled in a responsible and professional manner at all times.

At CreditLady.com™ we don’t have to guarantee anything; our industry leading numbers speak for themselves. Since 2008, through the efforts of our Award Winning, Tranformation Support department, our Transformation Specialists have successfully deleted and removed over 216,000+ thousand negatively impacting credit accounts/items from the thousands of consumers serviced. 

 BUREAU DISCOVERY RESULTS / DISCLAIMER. 

A 2014 study using previous client’s data, saw that the average result was 14.2 removals after four months across their three reports. However, some members did not see that result and CreditLady.com™ makes no guarantee that you will receive that average result.

 CONSUMER REVIEWS & TESTIMONIALS DISCLAIMER. 

Testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else’s. Lexington promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Previous clients have seen impressive credit report results, with an average of 10.2 removals in 4 months across their three reports. Some members do not achieve that result and Lexington makes no guarantee that you will receive that average result.

CREDIT REPORT AUDIT – ASSESSMENT DISCLAIMER. 

CreditLady.com™ will begin by assisting in retaining your credit report and gathering all known information about your credit situation during the credit consultation. Upon conclusion of the credit assessment, you could complete and enroll into the service contract all at one time.

CONSUMER PORTAL & DASHBOARD DISCLAIMER. 

Such updates and dashboard support will be contingent on consumer(s) having either; online credit monitoring access or the consumer updates Company with credit bureau investigation results directly. Updates will occur no later than 60 days upon receipt of new information.

OFF-BOARDING / CANCELLATION POLICY. 

CreditLady.com will charge for our services only after work on your specific Service Level engagement has been completed for each month of service you are actively engaged. You are free to cancel the service at any time without penalty or further obligation by submitting your request in writing to:  Support@CreditLady.com

WHAT IS THE BUREAU DISCOVERY PROCESS? 

A full and complete investigation of each item chosen to verify 100% complete accuracy and to validate the item is reporting 100% free of error.

 HOW LONG DOES THE REPAIR PROCESS TAKE? 

A question our team has often, the overall progress of your service file is largely dependent on your proactive participation which is detailed within the Credit Lady Welcome Guide™ consumer handbook. Taking an active, approach to the steps given will, in most cases maximize the repair and building efforts set forth.

As to the batch and letters being serviced, when credit reports and credit bureau result letters are sent into our Solutions Department for processing, in most client cases, will have actions taken within their credit report history in response to the letters sent within the first 45 days and roughly 45-50 days on a continued basis until cancelled.

CreditLady.com™ has a very proud track record,  our clients have seen impressive credit report results, with an average of 14.2 items, or 40% of their representing negatives, removed within a 4 rounds/ batches of investigation letters serviced. These numbers delivered are 25% higher than one of the leaders in the industry. 

Last but not least, It is extremely important to note to be wary of any credit repair company that guarantees to clean up your credit in 30 days or guarantee score improvement in a certain time-frame. Not only are these sales tactics illegal to guarantee results for credit repair, it is impossible to predict the actions of your creditors or the credit as a whole.

CAN DELETED ITEMS REAPPEAR ON MY CREDIT REPORT?

The Fair Credit Reporting Act (FCRA) fully requires that the credit bureau inform you before they re-report a previously deleted listing. There has been times, on very rare occasions, a negatively reported account that was recently deleted may eventually be verified by the creditor. The FCRA makes it difficult for credit bureaus to re-report listings. Due to the difficulty placed by the FCRA, it is rare for an account to come back and return to your report once it has been deleted.

WHAT HAPPENS IF IT HAPPENS TO YOU?

During the course of enrollment with CreditLady.com, if a credit report account is verified at a later point in time, CreditLady.com will help challenge the account again if there are legitimate grounds to do so.

WHAT ARE CREDIT REPAIR SERVICES?

Credit repair services are provided through our designated service levels to assist clients in a variety of potential credit issues. Repairing and improving of your credit is an aggressive undertaking in which you can take on yourself legally. In fact, there are thousands of consumers nationally who have increased their credit score after taking the time to research their credit rights and the methods of credit repair available to them. The Credit Service Industry, is no different than labors, construction to even the legal industry, all of which can be done by the consumer naturally. Our team believes,  on a grand scale, expert and/or professional services and solutions are desired in comparison to trying this process on your own. In most cases, the average consumer doesn’t have the resources to repair their credit on their own or the time that is required to do service this process correctly. In the last five years, thousands have decided to engage into our professional, credit repair services with CreditLady.com or any other licensed credit repair organization.

BENEFITS OF EXPERT / LICENSED CREDIT REPAIR SERVICES. 

The experience and knowledge within our staff is top-notch and successfully competes with any credit organization in the nation hands down. The correct, particular credit education delivered to you which matches your credit situation and overall goal will be retained and utilized for years to come. Our developed service levels and credit solutions are designed from years of service experience, paired with thousands of consumers situation and internal research. The value to the research and development is to take the risk and mistakes out of the equation when dealing with this process yourself. Having industry experts servicing your file and advising you throughout, places a peace of mind for each client which in each step is correct and accounted for. The game plan is set for you. Instead of working on your credit yourself, consider the effectiveness of CreditLady.com’s advanced credit repair tactics to expedite your credit improvement progress and overall Credit IQ.