Disclosures

What the free Club is. CreditOps Club is a free self-help and education membership. In the free Club, Apex Credit Solutions is not acting as a credit repair organization. You do the work yourself with templates, trackers and lessons, and the Club does not send disputes or talk to creditors for you.

Educational purpose. Everything in the Club is for general education. It is not legal advice, financial advice or credit counseling, and it does not replace advice from a qualified professional.

No guarantees. No one can guarantee that an item will be removed or that a credit score will improve by any amount. Be cautious of any company that promises it.

Accuracy and the FCRA. The Fair Credit Reporting Act lets you dispute information that is inaccurate, incomplete, outdated, not yours or unverifiable. It does not let you remove accurate information. The Club will not write a dispute letter for an item you mark as accurate. Goodwill requests and pay-for-delete offers are requests, not rights, and a creditor or collector can say no.

Credit repair services from Apex. Apex Credit Solutions also offers a paid credit repair service. Under the federal Credit Repair Organizations Act, a credit repair company must give you a written contract, may not charge you before the services are performed, and must give you a 3 day right to cancel. You also always have the right to dispute items yourself, for free. Fees for that service are set by Apex Credit Solutions and given to you in writing before you sign.

Contact and call consent. When you join or ask to talk to someone, you can agree that Apex Credit Solutions may contact you by phone, text or email about your free credit review and Club updates. Message and data rates may apply, and message frequency varies. Consent is not a condition of joining the Club or of buying anything. You can withdraw consent at any time by replying STOP to a text, using the unsubscribe link in an email, or telling us.

Affiliate links and partner offers. Apex may earn a commission if you apply or buy through the links marked as partner offers, at no extra cost to you. That does not change what we teach in the Club. Rates, terms and approval are decided by each provider, and nothing here is a promise of approval, a rate or a credit score. Every partner link goes through a tracked link on this site so we can see which tools help. See Tools and offers.

Third parties. We name the three credit bureaus, Equifax, Experian and TransUnion, and agencies like the CFPB and FTC only to explain how credit reporting works. We have no business relationship with them.

Credit report import. When you import a report, the text is read in memory and not stored. Only the items you review and keep are saved. If you choose to save a snapshot of what the reader found, we keep a reduced record without the report text, your Social Security number, full account numbers, address or employer, and you can delete it at any time.

Contact. Questions about these disclosures? Call (555) 555-0142 or email support@creditopsclub.example. See our Privacy Policy and Terms.