Terms of Use

By accessing or using the ScoreMend Credit Repair website, downloading starter kits, or utilizing our educational materials, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please discontinue using this site immediately.

ScoreMend is an independent educational publisher and referral platform. The materials provided on this website—including guides, checklists, FAQs, and articles—are intended solely for general informational purposes:

• Not Legal or Financial Advice: Content published on ScoreMend does not constitute legal, tax, lending, or official financial advisory services.

• No Attorney-Client Relationship: Using this website or receiving our Starter Kit does not create an attorney-client or fiduciary relationship.

• Accuracy Disclaimer: While we strive for accuracy, credit laws, bureau procedures, and regulatory guidance can change. Consumers should verify current requirements directly with official consumer protection agencies.

Under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), consumers have the right to inspect their credit reports and dispute inaccurate, incomplete, or unverifiable information directly with Equifax, Experian, and TransUnion at zero cost. ScoreMend encourages consumers to exercise their federal rights and provides free guidance on self-dispute procedures.

All content, design assets, trademarks, wordmarks, text, graphics, and checklists published on ScoreMend are the property of ScoreMend Credit Repair and protected by applicable copyright and trademark laws. You are granted a limited, non-exclusive, non-transferable license to access and print materials solely for your personal, non-commercial use.

ScoreMend may provide links or referrals to independent, third-party credit-repair companies, credit-monitoring services, or financial resources. ScoreMend does not control, operate, or endorse third-party services and is not liable for their agreements, fees, outcomes, or representations.

This website and all materials are provided on an 'as-is' and 'as-available' basis without warranties of any kind, whether express or implied. To the maximum extent permitted by applicable law, ScoreMend disclaims liability for any indirect, incidental, consequential, or punitive damages arising from your use of this site or third-party services.

These Terms of Use are governed by and construed in accordance with the laws of the United States. Any disputes arising under these terms shall be resolved through good-faith informal negotiation or binding individual arbitration where permitted by law.