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Disclaimer

Last updated: April 22, 2026

Please read this disclaimer carefully. Using this Site means you understand and accept that all content is educational only and does not substitute for professional legal, financial, or credit advice.

Educational content only — not professional advice

That.You Credit provides free educational information about consumer credit, credit reporting, credit scores, debt management, and related personal finance topics. All content on this Site — including articles, guides, calculators, letter templates, checklists, and recommendations — is provided for informational and educational purposes only.

Nothing on this Site constitutes, and nothing should be interpreted as:

  • Legal advice — We are not a law firm and no attorney-client relationship is formed by your use of this Site.
  • Financial or investment advice — We are not licensed financial advisors or investment advisors.
  • Tax advice — We are not licensed tax professionals.
  • Credit counseling — We are not a nonprofit credit counseling agency as defined under applicable federal or state law.
  • Credit repair services — See below.

Always consult a qualified licensed professional — such as a consumer law attorney, certified financial planner (CFP), accredited financial counselor (AFC), or accredited credit counselor (NFCC member) — for advice tailored to your specific situation.

Not a credit repair organization

That.You Credit is not a credit repair organization as defined by the federal Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., or under any equivalent state law.

Specifically:

  • We do not charge any fee for advice, guidance, or information about improving your credit.
  • We do not contact credit bureaus, creditors, or debt collectors on your behalf.
  • We do not represent you in any dispute, negotiation, or legal proceeding.
  • We do not prepare or submit dispute letters or other documents to third parties on your behalf — we only provide templates that you may choose to use yourself.

If you are seeking a company to manage credit disputes or negotiate with creditors on your behalf, you should look for a licensed credit repair organization and carefully review your rights under CROA before signing any contract.

No guarantee of results

We make no warranty, representation, or guarantee that:

  • Using any tool, template, guide, or checklist on this Site will improve your credit score.
  • Submitting a dispute letter will result in the removal or correction of any item on your credit report.
  • Any specific financial strategy described on this Site will produce any particular outcome.

Credit outcomes depend on many factors outside our control, including the accuracy of information in your credit file, the policies and decisions of individual credit bureaus and data furnishers, applicable laws and regulations, and your overall financial situation.

Information accuracy and currency

We make reasonable efforts to ensure that the information on this Site is accurate, current, and complete. However:

  • Consumer credit laws and regulations — including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Equal Credit Opportunity Act (ECOA), and state equivalents — can and do change.
  • Credit bureau dispute processes, scoring models, and creditor policies change without notice.
  • Information on this Site may not reflect the most recent legal or regulatory developments.

Always verify important information with authoritative sources, including:

  • Consumer Financial Protection Bureau: consumerfinance.gov
  • Federal Trade Commission: ftc.gov/credit
  • AnnualCreditReport.com for your free credit reports
  • A qualified consumer law attorney for legal questions

Affiliate and advertising disclosure

That.You Credit may display advertising through third-party ad networks, including Google AdSense. We may also include links to third-party products or services. We clearly distinguish between editorial content and advertising. Any third-party advertisements on this Site are not endorsements of the advertised products or services by That.You Credit.

We do not accept payment to write favorably about any product, company, or service. Our editorial content reflects our independent assessment.

Limitation of liability

To the fullest extent permitted by law, That.You Credit, its owners, editors, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on any information on this Site. See our full Terms of Use for the complete limitation of liability.

Questions

If you have questions about this disclaimer or are unsure whether a particular action is right for your situation, please contact us or consult a qualified professional.