Legal Disclaimer

Not a Credit Repair Organization

ScoreWipe is a document generation and credit report management tool. ScoreWipe is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679. We do not:

• Guarantee the removal, modification, or improvement of any items on your credit report
• Represent, advise, or act on your behalf in communications with credit bureaus, data furnishers, or any third party
• Provide legal advice or legal representation of any kind
• Make any promises or guarantees about the outcome of any credit dispute

Your Rights Under the FCRA

The Fair Credit Reporting Act (15 U.S.C. § 1681) grants every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. This is a federal right that belongs to you, regardless of whether you use ScoreWipe or any other tool. Key provisions include:

• Section 609 (15 U.S.C. § 1681g): Your right to request disclosure of all information in your consumer file
• Section 611 (15 U.S.C. § 1681i): Your right to dispute inaccurate information and require credit bureaus to investigate within 30 days
• Section 623 (15 U.S.C. § 1681s-2): Your right to dispute directly with data furnishers
• Section 605B (15 U.S.C. § 1681c-2): Your right to block information resulting from identity theft

ScoreWipe provides tools to help you exercise these pre-existing rights. You do not need ScoreWipe or any third-party service to dispute items on your credit report. You can write and send dispute letters on your own at no cost.

Self-Help Tool

ScoreWipe is a self-help tool. The dispute letters generated by ScoreWipe are based on publicly available information about your rights under the FCRA. They are provided to assist you in drafting your own dispute correspondence. You are responsible for:

• Reviewing every letter before sending it to ensure accuracy
• Ensuring that the information you provide to ScoreWipe is accurate and truthful
• Making your own decisions about which accounts to dispute and what dispute type to use
• Printing, signing, and mailing dispute letters yourself
• Keeping copies of all correspondence for your records

No Legal Advice

Nothing on the ScoreWipe platform or in any dispute letter generated by ScoreWipe constitutes legal advice. The information provided is for general informational purposes only. If you need legal advice regarding your specific situation, credit report issues, or consumer rights, please consult a licensed attorney in your jurisdiction.

Results May Vary

The outcome of credit report disputes depends on many factors outside of ScoreWipe's control, including but not limited to:

• The accuracy and completeness of the information you provide
• The specific policies and practices of individual credit bureaus
• The response of data furnishers to investigation requests
• Whether the disputed information is, in fact, inaccurate, incomplete, or unverifiable
• Applicable federal and state laws and regulations

Past results achieved by other users do not guarantee similar results for you. Every consumer's situation is unique.

Dispute Accuracy

Under the FCRA, you have the right to dispute information you believe to be inaccurate. However, intentionally disputing information that you know to be accurate may constitute fraud. By using ScoreWipe, you represent that you are disputing information you genuinely believe to be inaccurate, incomplete, or unverifiable.