Last modified - 1/20/2020
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This Site is for informational and educational purposes only, and is intended to provide helpful, useful, and informative tools and material on the subjects addressed. Creditrepairclassroom.com does not provide legal, accounting, investment, financial, or any other kind of professional advice. To make sure that information or suggestions on this site fit your particular circumstances, you should consult with an appropriate professional before taking action based on any tools, suggestions, or information on this site. Creditrepairclassroom.com does not provide so-called “credit repair” services governed by the federal Credit Repair Organizations Act or similar state laws. Creditrepairclassroom.com does not, nor will not help you to obtain your credit report. Creditrepairclassroom.com does not give advice regarding “cleaning up” your credit record or credit history. Creditrepairclassroom.com does supply you with information, education services and tools so you may correct inaccurate information on your credit reports. You understand that you have the right to correct inaccurate information or non-verifiable information on your credit report for free.
Creditrepairclassroom.com does not control the content of your credit reports, which are based on your past or historical credit behavior, and we cannot change that information for you. Neither you nor anyone else has the right to have accurate, verifiable, and current information removed from your credit report. However, if information in your report is inaccurate or non-verifiable, you have the right to dispute it by contacting thecredit bureau on your own.
Interactive tools such as the CreditHelperTM and Acti-TrakkerTM are made available to you as information for your independent, personal use. We make no representations concerning, and do not guarantee, their accuracy or applicability to your circumstances.
CRC Strategies and creditrepairclassroom.com are not credit repair organizations of any kind. We are also not a law firm, and we provide no credit repair services, financial, or legal advice. We make no representation, warranty or promise as to any particular or general outcome resulting from your use of this website or the tools or information contained in it. There is no guarantee that your use of the tools or information found on this site will produce your personally desired results or cause you to have an improved credit rating.
Testimonials or other endorsements that may be found on this site may ASSOCIATED WITH, AND ARE NOT ENDORSED BY ANY CREDIT BUREAU, CREDIT MONITORING COMPANY, OR CREDITOR, including but not limited to Equifax, Experian, Trans Union or annualcreditreport.com, and no rights are granted regarding their trademarks, domain names or other intellectual property. Consumers have the right to have inaccurate, old, and non-verifiable information removed from their Credit Report.
This website provides certain information about the law. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your personal situation.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ”credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes do occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate, incomplete, or non-verifiable information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580
In no event shall CRC Strategies, LLC or creditrepairclassroom.com be liable to you for any damages whatsoever arising out of your use of, or inability to use this website. In no event shall CRC Strategies or creditrepairclassroom.com be liable for any special, indirect, punitive, exemplary, incidental, or consequential damages or any kind, or damages for loss of information or data, lost profits or income, harm to reputation, loss of credit, lost business opportunities, or failure to improve credit standing, regardless of the legal theory under which such damages are sought, and even if advised in advance of the possibility of such damages due to some states disallowance of the Limitation or Exclusion of Liability for incidental or consequential damages, the above limitation or exclusion may not apply to you.
This website is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, CRC Strategies expressly disclaims any and all warranties, expressed or implied, including but not limited to, the implied warranties of merchantibility and fitness for a particular purpose, as well as any warranties alleged to have arisen from custom, usage, or the course of dealing between the parties. CRC Strategies and creditrepairclassroom.com do not warrant the adequacy, accuracy or completeness of the material on this website, or that it will meet your requirements, or that the operation of this website will be uninterrupted or error-free. In addition, CRC Strategies and creditrepairclassroom.com do not warrant or guarantee that you will be able to access this website all times. CRC Strategies and creditrepairclassroom.com make no warranty regarding malicious code, viruses, or the like. You understand and acknowledge that internet congestion and outages, as well as maintenance, downtime and other interruptions, may interfere at times with your ability to access this website.
You hereby acknowledge receipt of, and agree to the terms of, our “Privacy Policy” as found at: http://creditrepairclassroom.com/privacy.html. You further agree to receive all privacy policies and notices electronically at this website, including any opt-out or opt-in provisions permitted or required by law.
Your use of this website is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. CRC Strategies has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on this website or in connection with our products. CRC Strategies has adopted a policy that provides for the immediate termination of any user who is found to have infringed on the rights of CRC Strategies or of a third party, or otherwise violated any intellectual property laws or regulations. CRC Strategies' policy is to investigate any allegations of copyright infringement brought to its attention. If you have evidence, know, or have a good faith belief that your rights or the rights of a third party have been violated and you want CRC Strategies to delete, edit, or disable the material in question, you must provide CRC Strategies with all of the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; (c) identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit CRC Strategies to locate the material; (d) information reasonably sufficient to permit CRC Strategies to contact you, such as an address, telephone number, and if available, an electronic mail address at which you may be contacted; (e) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury; that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. For this notification to be effective, you must provide it to CRC Strategies’ designated agent at:
Creditrepairclassroom.com has no control over, and no liability for any third party web sites or materials, such as privacyguard.com, identityguard.com, creditchecktotal.com, or the websites or materials of credit reporting agencies. Creditrepairclassroom.com also works with a number of business associates and service providers, such as programmers and web designers, whose internet sites may be linked with this website. Because neither CRC Strategies, LLC nor creditrepairclassroom.com has control over the content and performance these other sites, we make no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites. See also the Section regarding “Advertisers on Our Site” below.
Creditrepairclassroom.com imposes certain restrictions on your permissible use of this website. You are prohibited from violating or attempting to violate any security features of this website, “hacking”, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of this website, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with this website or our products with regard to any user, host, or network, including, without limitation, by means of submitting a virus to the website, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” (d) using this website to send unsolicited e-mail, including, without limitation, promotions or advertisements; or (e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using this website. Any violation of system or network security may subject you to civil and/or criminal liability.
CRC Strategies, LLC may, in its sole discretion and without prior notice, revise the terms of these Terms of Use. All revisions shall be effective immediately. By using this website, you agree to check these Terms of Use whenever you access this website as these Terms of Use may change from time to time. You agree that, by continuing to use or access this website following any revision, you accept and shall abide by any such revision. To give you a better idea of when modifications have occurred, we will also revise the “last updated” date found at the beginning of these Terms of Use when we post changes to it.
You agree that you will attempt in good faith to resolve with CRC Strategies, LLC/creditrepairclassroom.com by mutual agreement all disputes arising out of or relating to this website. The provisions of this Section may be enforced by any court specified in the Section hereof entitled “Governing Law”, and the party seeking enforcement, if successful, shall be entitled to an award of all costs, fees and expenses, including attorneys’ fees, to be paid by the party against whom enforcement is ordered.
It is possible you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of advertisers or sponsors showing their goods and/or services through this website. Any such activities, terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third party. Creditrepairclassroom.com shall have no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any such third-party. Creditrepairclassroom.com does not endorse any sites on the internet that are linked through this website. We are not responsible for any content, products, or other materials on or available from such sites, which have their own privacy policies, terms and agreements.
Use of, access to, and disputes regarding this website shall in all respects be governed by and be construed in accordance with the laws of the state of Delaware. You hereby irrevocably consent to the exclusive jurisdiction of the state and federal courts located within the state of Delaware, USA in all disputes arising out of or related to this website, and waive any claim of inconvenient forum.
If anyone or more of the provisions contained herein shall, for any reason, be held to be invalid, illegal, or unenforceable in any respect, then to the maximum extent permitted by law, such invalidity, illegality, or unenforceability shall not affect any other provision hereof.
You agree to indemnify defend, and hold harmless CRC Strategies, LLC, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of this website and/or our products, your violation of these Terms of Use, or your infringement of any intellectual property or other right of any person or entity. CRC Strategies, LLC will notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.
The headings hereof are for reference only and shall not affect the meaning of any section.
If you breach any provisions of these Terms of Use other than those regarding payment, creditrepairclassroom.com will have no adequate remedy at law. Accordingly, creditrepairclassroom.com shall have the right, in addition to any other rights and remedies existing in its favor, to enforce its rights by injunctive relief, and you hereby waive the defense that there is an adequate remedy at law.
These Terms of Use shall not be construed against CRC Strategies, LLC, creditrepairclassroom.com or any other party as the drafter.