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Disclaimer

Legal Notices & Disclaimers

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Welcome to CRA Credit Solutions. We are committed to transparency, legal compliance, and consumer protection. Please read the following disclosures carefully, as they govern your use of our services and explain your rights as a consumer.

 

1. Credit Repair Organization Act (CROA) Disclosure

In accordance with the Credit Repair Organizations Act (CROA):

  • You have the right to dispute inaccurate or incomplete information in your credit report for free, directly with the three major credit reporting bureaus:

    • Equifax

    • Experian

    • TransUnion

  • The credit bureaus are legally required to investigate your disputes at no cost to you.

  • You are entitled to a free credit report every 12 months at:
    https://www.AnnualCreditReport.com

  • No one, including our organization, can legally remove accurate, current, or verifiable information from your credit report.

  • You may cancel your service with CRA Credit Solutions at any time.

 

2. Results

Your results depend on multiple factors, including, but not limited to:

  • Your individual credit history

  • Creditor responses

  • Credit bureau procedures

  • Supporting documentation

  • Timing and frequency of updates

Some items may not be removed, even if challenged.

 

3. Not Legal or Financial Advice

CRA Credit Solutions is not a law firm and does not provide:

  • Legal advice

  • Tax advice

  • Financial advice

  • Professional representation

Nothing on this website or within our communications should be interpreted as legal or financial guidance.

For legal questions, please consult a licensed attorney or qualified professional.

 

4. Credit Report Access & Authorization

If you authorize CRA Credit Solutions to access your credit reports:

  • We may use a third-party credit monitoring or soft-pull provider.

  • Soft-pull inquiries do not affect your credit score.

  • We only use your reports to analyze, monitor, and prepare dispute documentation.

Your information is processed securely and in compliance with relevant data privacy requirements.

 

5. Accuracy of Information

All information provided through CRA Credit Solutions:

  • It is for educational purposes

  • Reflects general credit principles

  • Should not be interpreted as personalized legal or financial advice

While we strive for accuracy, we cannot guarantee that every resource, article, or piece of content is up-to-date with the latest laws, bureau procedures, or creditor policies.

 

6. Limitation of Liability

By using our services, you agree that:

  • CRA Credit Solutions is not responsible for any decisions you make based on our services

  • We are not liable for actions taken by the credit bureaus, creditors, or collection agencies

  • We do not guarantee any specific outcomes, deletions, or credit score results

 

7. Third-Party Links & Services

Our website may contain links to third-party websites or credit monitoring platforms.

We are not responsible for:

  • Their content

  • Their data practices

  • Their terms and conditions

You use third-party services at your own discretion.

 

8. Privacy & Data Protection

We are committed to protecting your personal information.

Data collected through our platform is used solely to:

  • Provide credit repair services

  • Verify identity

  • Prepare and submit dispute documentation

  • Maintain account security

We do not sell your personal information.

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