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Please read this Disclaimer regarding the content and use of this website.

The information found within this site is general based and is intended for a vast range of readers alike. Any information found within this site is aimed to be accurate and correct however due to the nature of changing laws regarding credit and debts things could change at any given time.

As a result the information found here may not have been updated to reflect these changes. There is also the possibility of errors within this information and as a result no information found within this site should be taken as the ultimate truth not should it be used for you to make decisions regarding your own finances of any kind.


Never use this website or material found within as a replacement or alternative to advise received from a financial institution or legal counsel. Nothing on this site should ever be taken as counsel or a recommendation. Each person's situation varies and as a result information pertaining to one person does not necessarily pertain to someone else. For this reason we would encourage your to find a qualified professional to talk to regarding your situation and any questions you have on credit/debt/financial issues.

Never hold back from professional advice as a result of viewing this website. We do not claim that the information found here is completely and utterly accurate and as a result can not provide a guarantee of such. We do not provide legal advice regarding any credit/debt/financial issues.


This     website believed it is best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2). 

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a). 

Please us this site at your own risk.