Disclaimer

Not a Credit Repair Organization

ScoreWipe is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not perform credit repair services. We are a technology platform that provides tools to help you exercise your rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.

Not Legal Advice

The information and tools provided by ScoreWipe do not constitute legal advice. While our dispute letters cite relevant sections of the FCRA, they are generated by artificial intelligence and should be reviewed by you before sending. If you need legal advice regarding your credit situation, consult a licensed attorney in your jurisdiction.

No Guarantee of Results

ScoreWipe does not and cannot guarantee any specific outcomes from using our Service. We cannot guarantee that:

• Any specific item will be removed from your credit report
• Your credit score will increase by any specific amount
• Credit bureaus will respond within any specific timeframe
• Dispute letters will achieve your desired outcome

Results vary significantly based on individual circumstances, the nature of the items being disputed, and the responses of credit bureaus and data furnishers.

Your FCRA Rights

Under the Fair Credit Reporting Act, you have the right to:

• Dispute inaccurate, incomplete, or unverifiable information on your credit report (§ 1681i)
• Receive a response from the credit bureau within 30 days of your dispute (§ 1681i(a)(1))
• Have unverified items removed from your report (§ 1681i(a)(5)(A))
• Receive a free copy of your credit report annually from each bureau (§ 1681j)
• Sue credit bureaus or furnishers that violate the FCRA (§ 1681n, § 1681o)

ScoreWipe helps you exercise these existing rights — we do not create or expand upon them.

AI-Generated Content

Dispute letters generated by our AI are produced using machine learning technology. While we design our AI to create accurate, legally-relevant content, AI-generated text may contain errors, omissions, or statements that do not accurately reflect your situation. You are solely responsible for reviewing all generated content for accuracy before sending it to credit bureaus.

Truthfulness Requirement

You should only dispute information that you genuinely believe to be inaccurate, incomplete, or unverifiable. Filing frivolous disputes or disputes you know to be false may violate federal law. ScoreWipe is designed to help consumers address legitimate errors — not to remove accurate information from credit reports.

Testimonials

Testimonials and success stories displayed on our website represent individual experiences and are not indicative of future performance or success. Individual results will vary.

Third-Party Services

ScoreWipe integrates with third-party services including payment processors, mailing services, and AI providers. We are not responsible for the actions, policies, or practices of these third parties. Use of third-party services is subject to their respective terms and privacy policies.

Contact

If you have questions about this disclaimer, contact us at legal@scorewipe.com.