Table of Contents

1. Scope of This Disclaimer

This Credit Services Disclaimer applies to information and services offered or discussed by MBM Service Group LLC (“MBM,” “we,” “us,” or “our”) relating to personal credit, credit education, credit improvement, credit repair-related services, business credit, and related services.

This website Disclaimer provides general disclosures only. It does not replace any written contract, consumer disclosure, cancellation notice, authorization, or other document required for a particular credit-related service.

2. Credit Education & General Information

Information appearing on this website regarding credit scores, consumer reports, payment history, credit utilization, inquiries, collections, disputes, credit improvement, business credit, financing, or related topics is provided for general educational and informational purposes.

General website information should not be interpreted as a promise that a particular strategy or service will produce a specific result for every consumer or business.

3. Consumer Credit Rights

Consumers have rights concerning their credit information under applicable federal and state laws. Nothing contained on this website is intended to waive, restrict, or eliminate any consumer right that cannot legally be waived.

Consumers may have the right to obtain copies of their consumer reports, dispute information they believe is inaccurate or incomplete, and communicate directly with consumer reporting agencies and furnishers without hiring a credit services organization.

4. Accurate Credit Information

MBM does not represent that accurate, current, and verifiable negative information can lawfully be removed merely because a consumer does not want the information to appear on a consumer report.

Credit-related services may include assisting clients in understanding their reports and addressing information that the client believes may be inaccurate, incomplete, outdated, unverifiable, duplicated, or otherwise subject to rights available under applicable law.

5. No Guarantee of Deletion

Consumer reporting agencies, creditors, furnishers, debt collectors, and other third parties independently determine how they investigate, verify, update, report, or respond to information.

6. No Guarantee of Credit Score Improvement

Credit scores are calculated using scoring models and information controlled by third parties. Different scoring models may produce different scores, and scores may change as information in a credit file changes.

MBM does not control consumer reporting agencies, scoring companies, creditors, lenders, or scoring algorithms. Accordingly, MBM does not guarantee a specific number of points, score increase, score range, timeframe, or credit-profile result.

7. No Guarantee of Financing or Approval

MBM does not guarantee approval for credit cards, mortgages, auto loans, personal loans, leases, business loans, lines of credit, vendor accounts, trade credit, business funding, or any other extension of credit.

MBM also does not guarantee a particular interest rate, credit limit, loan amount, financing term, lender decision, or underwriting result.

Approval decisions are made independently by lenders, creditors, financial institutions, vendors, landlords, insurers, or other third parties according to their own criteria.

8. Credit Bureaus, Creditors & Third Parties

MBM Service Group LLC is an independent private company. MBM is not Equifax, Experian, TransUnion, FICO, a bank, lender, creditor, debt collector, financial institution, or government agency.

MBM does not control the decisions, response times, investigations, reporting practices, algorithms, databases, policies, or procedures of consumer reporting agencies, creditors, furnishers, lenders, or other third parties.

9. Business Credit Services

MBM may provide education, administrative assistance, advisory services, or other authorized services relating to establishing, developing, understanding, or improving a business credit profile.

Business credit services may involve matters such as business identity consistency, business registrations, credit-profile development, vendor relationships, payment history, reporting practices, or other legitimate business-credit activities, depending on the scope of the applicable service.

Business credit outcomes may depend on factors including business structure, time in business, registrations, revenue, industry, financial condition, payment history, vendor reporting, lender criteria, underwriting requirements, business credit reporting, and other factors outside MBM’s control.

10. Separate Credit Services Agreement

11. Cancellation Rights

Consumers may have statutory cancellation rights applicable to certain credit-related services. Where such rights apply, the applicable written agreement and required notices will describe the consumer’s cancellation rights and the procedure for exercising them.

Nothing in this website Disclaimer is intended to waive, shorten, restrict, or eliminate a cancellation right that cannot legally be waived.

12. Fees & Payment

Fees, payment timing, billing procedures, and the services covered by a fee are governed by the applicable written service agreement and applicable law.

MBM does not represent through this website that a payment may be collected at a time or in a manner prohibited by applicable federal or state law.

Where the timing or collection of fees is restricted by law, applicable legal requirements control regardless of any general pricing information displayed elsewhere on the website.

13. Client Responsibilities

Credit improvement may depend significantly on the client’s own financial activity and decisions. Clients remain responsible for matters including paying obligations when due, managing balances, reviewing credit reports and correspondence, providing accurate information, responding to requests, protecting account credentials, and following legitimate financial obligations.

Clients should promptly notify MBM if information previously provided to MBM is inaccurate, incomplete, or materially changes.

14. No False or Misleading Information

Clients are expected to provide truthful and accurate information to MBM, consumer reporting agencies, creditors, lenders, furnishers, financial institutions, vendors, and other relevant parties.

15. Identity & Credit Privacy

Credit reports and credit-related records may contain highly sensitive personal information. MBM handles information received in connection with credit services according to applicable privacy, security, contractual, and legal requirements.

MBM does not sell complete credit reports, Social Security numbers, banking credentials, identity documents, or confidential credit-service information for monetary consideration.

16. Secure Transmission of Credit Information

No electronic system can be guaranteed to be completely immune from every cybersecurity threat. MBM maintains safeguards designed to reduce security risks consistent with applicable requirements and its information-security practices.

17. Applicable Laws & Consumer Protections

Credit-related services may be subject to applicable federal and state consumer-protection laws, including requirements governing representations, contracts, disclosures, cancellation rights, fees, advertising, privacy, and other business practices.

MBM’s provision of a particular credit-related service is subject to the laws applicable to that service and jurisdiction. Nothing in this website Disclaimer is intended to eliminate or reduce a consumer protection provided by applicable law.

18. Changes to This Disclaimer

MBM may update this Credit Services Disclaimer periodically to reflect changes in our services, business practices, website, applicable requirements, or consumer-protection practices.

The current version will be posted on this page with an updated “Last Updated” date.