Independent Consumer Resource
ScoreMend is NOT a credit-repair organization, credit bureau, lender, bank, or government entity.
FCRA Consumer Rights Notice
Federal law guarantees your right to dispute inaccurate credit report entries yourself for free.
CROA Compliance Standards
We promote full adherence to the Credit Repair Organizations Act (CROA) and federal consumer protections.
Referral Compensation Disclosure
ScoreMend may receive compensation from third-party providers when visitors request referrals.
1. Independent Service & Non-Affiliation Statement
ScoreMend Credit Repair (scoremendcreditrepair.com) is an independent informational and consumer referral website. We are not owned, operated, endorsed by, or affiliated with Equifax, Experian, TransUnion, the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), or any other federal or state agency.
2. CROA & FCRA Statutory Notices
In accordance with federal consumer protection regulations:
• You have a right to dispute inaccurate information in your credit report by submitting a dispute directly to the credit bureau. You are not required to purchase credit repair services to dispute inaccurate items.
• No credit-repair service can legally remove accurate, current, and verifiable negative information from your credit report.
• Under the Credit Repair Organizations Act (CROA), legitimate credit-repair organizations may not charge advance fees before services are fully performed, must provide a written contract with a 3-day right of cancellation, and cannot make misleading claims.
3. Referral Compensation & Advertiser Disclosure
ScoreMend operates on a free-to-consumer model. Our Starter Kits, educational guides, and checklists are provided at no cost. To support our platform, ScoreMend may receive referral compensation or affiliate commissions when visitors voluntarily connect with third-party service providers through our links or referral forms. This compensation does not affect the cost of services to you.
4. No Guarantees of Credit Score Outcomes
ScoreMend and its referral partners do not guarantee specific credit score increases, dispute removals, or financial outcomes. Every consumer's credit history, data furnishers, and bureau reporting timelines are unique. Any representations of past client results or timelines on third-party websites do not guarantee similar results for every consumer.
5. Official Consumer Protection Resources
For free, official information regarding your credit rights, dispute procedures, and fraud reporting, consumers may consult:
• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• Federal Trade Commission (FTC): ftc.gov/credit
• AnnualCreditReport.com: Official federally authorized website for free annual credit reports.
EXPLORE OTHER POLICIES
SCOREMEND LEGALHow ScoreMend protects your information, delivers free starter kits, and operates without requesting SSNs or bank logins.
Terms of UseTerms and conditions governing access to ScoreMend Credit Repair educational materials, starter checklists, and referral resources.
Cookie & Tracking PolicyDetails on essential browser storage, local preference storage, and how to manage privacy choices.