Service Disclosures

Our personal credit consulting service provides education, review, and dispute support based on your credit profile and documentation.

• We do not guarantee any specific credit score increase, tradeline deletion, or removal of any item from your credit reports.
• Results depend on the accuracy of the items disputed, bureau and furnisher response times, the documentation you provide, and your ongoing participation.
• You retain the right to dispute information directly with the credit bureaus and furnishers at no cost under the Fair Credit Reporting Act (FCRA).
• Consulting fees are paid for the work performed (review, education, dispute preparation, and coaching), not for any specific outcome.

Our business credit and funding readiness service helps you structure your business profile, build tradelines, and prepare for lender, vendor, and investor review.

• Credit Legal Help is not a bank, lender, broker, or finance company. We do not issue loans, lines of credit, or funding of any kind.
• We do not guarantee approval for any business loan, line of credit, vendor account, credit card, or other form of funding.
• Funding decisions are made solely by third-party lenders and creditors based on their own underwriting criteria.
• Tradeline reporting and bureau acceptance are controlled by Dun & Bradstreet, Experian Business, Equifax Business, and individual creditors — not by Credit Legal Help.

Legal credit review is an attorney-supported review of credit reports, furnisher conduct, and supporting documentation for potential FCRA, FDCPA, or related issues.

• Reviewing your file or speaking with our team does not, by itself, create an attorney-client relationship. An attorney-client relationship is formed only when a separate written engagement agreement is signed with the supervising attorney or law firm.
• Nothing on this website or provided during a consultation is legal advice for your specific situation until an engagement agreement is in place.
• We do not guarantee any specific legal outcome, settlement, damages award, item deletion, or that litigation will be pursued in any matter.
• If your matter is referred or accepted for legal representation, the terms of that representation will be governed by the separate written engagement agreement.

Real estate readiness helps you align your credit profile, documentation, and overall financial picture with what mortgage lenders and real estate professionals typically expect.

• Credit Legal Help is not a mortgage lender, mortgage broker, loan originator, or appraiser. We do not originate, fund, or approve mortgage loans of any kind.
• We do not guarantee mortgage approval, a specific interest rate, loan program eligibility, down payment requirements, or closing on any property.
• Mortgage, refinance, and investment property decisions are made solely by licensed lenders based on their underwriting standards, market conditions, and your full financial profile at the time of application.
• Real estate brokerage services, where offered, are provided by a licensed Georgia real estate agent and are governed by a separate written real estate agreement.

By submitting a contact form, booking an audit, or otherwise providing your contact information, you consent to communications from Credit Legal Help related to your inquiry and services.

• You may be contacted by phone call, SMS/text message, and email at the contact information you provide, including for appointment reminders, follow-ups, and service updates.
• Message and data rates may apply. Message frequency varies based on your account activity and inquiries.
• Consent to receive marketing communications is not a condition of purchasing any service.
• You may opt out of SMS messages at any time by replying STOP, and may unsubscribe from marketing emails using the link provided in each email. Some transactional messages related to active services may still be sent.