Legal Disclaimers

In compliance with the FTC Endorsement Guides (16 CFR Part 255):

• Testimonials and case studies displayed on this website represent the individual experiences of specific clients.
• These testimonials are not representative of all clients and do not guarantee that you will achieve the same or similar results.
• Some client names and identifying details may have been changed to protect privacy, but the facts and outcomes are real and documented.
• Score increases, points removed, and timelines referenced in case studies are specific to those individual clients.
• We do not compensate clients for providing testimonials, though some may have received discounted services in exchange for participation in case studies.

The information provided by TrustScore Credit Repair — on this website, in consultations, and in any educational materials — is for informational purposes only and does not constitute:

• Legal advice. We are not a law firm. For legal counsel, consult a licensed attorney in your jurisdiction.
• Financial advice. We are not a registered financial advisor, broker-dealer, or investment advisor. For financial planning, consult a certified financial planner (CFP).
• Tax advice. We are not a CPA or enrolled agent. For tax-related questions, consult a licensed tax professional.
• Credit decisions. We do not make lending, credit, or underwriting decisions. We are not a lender, bank, or credit union.

TrustScore Credit Repair is not a debt collector and does not engage in debt collection activities. When we send debt validation letters on your behalf, we do so as your authorized representative exercising your rights under the Fair Debt Collection Practices Act (15 U.S.C. Section 1692 et seq.). Your rights under the FDCPA include:

• The right to request debt validation within 30 days of first contact by a collector
• The right to be free from harassment, abuse, and unfair practices
• The right to dispute any debt and demand verification
• The right to send a cease-and-desist letter to stop collection communications
• The right to sue collectors who violate the FDCPA for up to $1,000 in statutory damages plus actual damages and attorney fees

Many states have additional credit repair laws that may provide you with rights beyond those provided by federal law. TrustScore Credit Repair complies with all applicable state credit services organization acts, including but not limited to:

• California (CA Civil Code Sec. 1789.10-1789.26): You have the right to cancel within 5 business days. Bond required.
• Texas (TX Finance Code Ch. 393): Additional surety bond requirements. Right to cancel within 3 days.
• New York (NY Gen. Bus. Law Art. 29-H): Credit services agencies must register. Right to cancel within 5 days.
• Florida (FL Stat. Sec. 817.7001-817.7005): Credit repair organizations must register. 3-day cancellation.
• Georgia (GA Code Sec. 16-9-59): Credit repair organizations must be bonded. 5-day cancellation.
• Illinois (815 ILCS 605): Credit Services Organizations Act. 5-day cancellation right.
• New Mexico: As our home state, we comply with all applicable New Mexico consumer protection statutes, including the Unfair Practices Act (NMSA 1978, Sec. 57-12-1 et seq.).

If your state provides a longer cancellation period than the 3-day federal CROA minimum, the longer state period applies. Contact us or your state attorney general's office for state-specific rights.

This website and its content are provided “as is” and “as available” without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

TrustScore Credit Repair makes reasonable efforts to ensure the accuracy of information on this website, but does not guarantee that the information is error-free, complete, or current. Laws and regulations cited may have been updated since the last revision date. Always verify legal information with current statutory sources.

External links provided on this website are for convenience only and do not constitute endorsement of the linked content, products, or services.