Terms & Conditions
A legal disclaimer
The information provided on this website is for informational and educational purposes only and does not constitute legal, financial, or credit advice. Freedom Credit does not guarantee any specific credit score increase, loan approval, or financial outcome. Individual results may vary based on personal credit history, compliance, and other factors. All services are subject to applicable federal and state laws. By using this website, you agree to our terms and acknowledge that you are responsible for your own financial decisions.
Terms & Conditions - the basics
By accessing this website, you agree to be bound by these Terms and Conditions. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit others from using the site.
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Freedom Credit offers credit education and document preparation services to help consumers understand and improve their credit. We do not offer credit repair guarantees or act as a credit bureau.
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By submitting your information through our forms, you consent to be contacted via phone, text, or email. You also confirm that all information you provide is accurate and truthful.
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We do not guarantee the removal of any specific item from your credit report or a specific credit score increase. Results depend on a variety of factors, including creditor cooperation and the accuracy of information reported.
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Freedom Credit is not liable for any indirect, incidental, or consequential damages resulting from the use or inability to use this website or our services.
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These terms are governed by the laws of the state in which our business is registered. Any disputes will be resolved in the appropriate jurisdiction.
What to include in the T&C document
The TR document is the file or report we provide after a credit analysis and/or service request. It typically includes:
• Client Information (Name, DOB, Address – partially redacted if needed)
• Summary of Credit Findings (based on Experian/TransUnion/Equifax data)
• List of Negative Items Identified (collections, charge-offs, late payments, inquiries, etc.)
• Dispute Recommendations or Actions Taken
• Educational Resources regarding consumer rights under the FCRA
• Consent Documentation if disputes were initiated
• Progress Notes or next steps discussed during consultation