Our website offers financial education and software. We are committed to providing our visitors with accurate truthful information and to educate them about credit and collection issues to the best of our ability while using reliable resources. This Website is offered to you, the "User," conditioned on your acceptance without modification, of the terms, conditions, and notices contained in this agreement.

Your use of this web site constitutes your agreement to all such terms, conditions, and notices herein. Other product and company names mentioned herein, including the names of participating partners and lenders, may be the trademarks of their respective owners. We receive compensation for advertising some programs. Providing their service helps to cover costs of our credit education information.

We intend that the information contained in this Web site be accurate and reliable; however, errors sometimes occurs. In addition, changes and improvements to the information provided herein may be made by us at any time. Our company is the preferred source for credit rebuilding and consumer education gathered in one place. We are not a law firm and do not offer any legal, tax or financial advice. We aggregate resources, products and services to offer them in one central place, our site.

All articles and pages contained within this site are thought to be accurate at the time of creation, however laws change so you need to be diligent in checking your own state laws. All articles within this website are the opinions only of the author(s) and you should always use good judgement when dealing with your credit issues by doing your own research. The Federal Trade Commission offers additional resources in credit and collection issues. The FTC's official website is located at ftc.gov and offers free consumer resources.

Do not let this website replace your need for an attorney. We cannot provide you with any legal advice and we do not operate as a law firm or attorney group. If you have legal questions you should always consult with an attorney.

By viewing our content you agree that we offer no personal legal or financial advice and offer no warranties of your actions based on what you may read and do with that information. Our site is for informational purposes and does not fit each person's exact case.

By viewing our member site you agree that we offer no warranties of how you may use the information or the educational material nor do we offer any legal, tax or financial advice to any visitors of this site. You repair your credit at your own discretion and are to use the Member site as intended: for education. We reserve the right to withdraw username and passwords or block your IP address on individuals who may abuse the membership or try to gain access after a refund has occurred.