Important

Financial Disclaimer

Please read the following disclaimers carefully before using CreditDoc.co. This page contains important legal information about the nature of our site, the limitations of the information we provide, and your rights as a consumer.

General Disclaimer

CreditDoc.co ("CreditDoc") is an informational comparison website ONLY. CreditDoc is owned and operated by Cosmic Phoenix LLC, a Wyoming limited liability company.

CreditDoc is NOT any of the following:

  • A credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. sections 1679-1679j
  • A credit repair company or credit restoration service
  • A lender, bank, credit union, or financial institution of any kind
  • A financial advisor, registered investment advisor, financial planner, or fiduciary
  • A credit counseling agency or debt management company
  • A law firm, attorney, or provider of legal services or legal advice
  • A debt collector, debt buyer, or debt relief provider
  • A credit bureau, credit reporting agency, or consumer reporting agency
  • A broker, intermediary, or agent acting on behalf of any financial services company

CreditDoc does NOT provide credit repair services, originate or broker loans, offer financial advice, manage debt, negotiate with creditors, or provide any financial services of any kind. Our sole function is to provide informational content, reviews, comparisons, and educational resources about companies that provide these services.

Not Financial, Legal, or Tax Advice

Nothing on this website constitutes financial advice, legal advice, tax advice, investment advice, or any other form of professional advice. All information on CreditDoc is provided for educational and informational purposes ONLY.

Before making any financial decisions -- including but not limited to signing up for a credit repair service, applying for a loan, consolidating debt, or taking any other action that affects your financial situation -- you should:

  • Consult with a qualified financial professional who can provide advice tailored to your specific financial situation, goals, and risk tolerance
  • Consult with a licensed attorney if you have legal questions about credit repair, debt collection, or consumer protection laws
  • Consult with a certified credit counselor from a nonprofit credit counseling agency (available for free or low cost through the NFCC at nfcc.org)
  • Consult with a tax professional if you have questions about the tax implications of debt settlement, forgiven debt, or other financial transactions

Past results do not guarantee future results. The performance, outcomes, or results of any credit repair company or financial service provider mentioned on this website -- whether reported by the company, its customers, or our research -- do not guarantee that you will achieve similar results. Individual results vary significantly based on your unique financial situation, credit history, income, debts, and other factors specific to you.

Credit Repair Specific Disclaimers

Your Right to Repair Your Own Credit for Free

Under the Credit Repair Organizations Act (CROA), 15 U.S.C. sections 1679-1679j, and the Fair Credit Reporting Act (FCRA), 15 U.S.C. section 1681, you have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit reports directly with the three major credit bureaus (Equifax, Experian, and TransUnion) at no cost to you.

You do NOT need to hire a credit repair company to exercise this right. The credit bureaus are required by law to investigate your disputes (typically within 30 days) and remove or correct information they cannot verify.

What Credit Repair Companies Cannot Do

  • Cannot guarantee specific results or outcomes. No credit repair company can guarantee a specific credit score increase. Any company that guarantees a specific number of points of improvement or a specific credit score is making a claim that may violate the CROA.
  • Cannot remove accurate, timely negative information from your credit report. If negative information on your credit report is accurate and has not yet aged off (typically 7 years, or 10 years for certain bankruptcies), no one can legally remove it.
  • Cannot charge you before services are fully performed. Under the CROA and many state laws, credit repair companies are prohibited from collecting payment before the promised services have been fully performed. If a company asks for a large upfront fee before doing any work, this may be a violation of federal and/or state law.
  • Cannot ask you to waive your rights. Under the CROA, credit repair companies cannot ask you to waive any of your rights as a consumer, including your right to sue the company or your right to a written contract.

Your Right to Cancel

Under the Credit Repair Organizations Act, you have the right to cancel any contract with a credit repair company within three (3) business days of signing it, for any reason, without penalty. The company must provide you with a written notice of this right before you sign a contract.

Free Resources

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) provide free resources to help consumers repair their own credit:

Accuracy Disclaimer

While we strive for accuracy in all content published on CreditDoc, we cannot guarantee that information on the Site is always accurate, complete, current, or error-free. Specifically:

  • Pricing, features, and service offerings of the companies listed on our site change frequently. We verify pricing monthly and conduct full reviews quarterly, but changes may occur between our review cycles.
  • BBB ratings, accreditation status, and complaint data are provided by the Better Business Bureau and other third-party organizations. These ratings may change at any time and may not reflect the most current information.
  • CFPB complaint data is sourced from publicly available databases and may not represent the full scope of consumer experiences with any given company.
  • State availability of services may change. Always verify with the company directly whether they serve your state before signing up.
  • Our ratings and reviews represent our editorial assessment based on available data at the time of publication. They are opinions, not guarantees.

Always verify information directly with the service provider before making any financial decision or signing any contract.

Affiliate Disclaimer

Some links on CreditDoc are affiliate links. This means we may receive compensation -- in the form of referral fees, commissions, or other payment -- when you click on certain links and/or sign up for products or services featured on this website. This compensation helps fund our research and allows us to provide free content to consumers.

This compensation does not influence our editorial ratings, reviews, or recommendations. Our ratings are determined solely by our independent research methodology. We feature and recommend companies regardless of whether they have an affiliate relationship with us. Companies that pay us commissions may receive lower ratings than companies that do not, if our research warrants it.

For complete details about how we earn money, please see our Affiliate Disclosure.

No Endorsement

The inclusion of any company, product, or service on CreditDoc does not constitute an endorsement, recommendation, or guarantee by CreditDoc, Cosmic Phoenix LLC, or any of its owners, officers, or affiliates.

We compare services based on publicly available information using our standardized evaluation methodology. Our reviews represent our assessment at the time of publication. We do not endorse any specific company or service, and we do not guarantee that any company will deliver specific results for any individual consumer.

Consumers should conduct their own research, read contracts carefully, verify pricing independently, and consult with qualified professionals before making any financial decision.

Your Consumer Rights

Fair Credit Reporting Act (FCRA)

Under the Fair Credit Reporting Act (15 U.S.C. section 1681), you have the following rights:

  • The right to obtain a free copy of your credit report from each of the three major credit bureaus once every 12 months at AnnualCreditReport.com
  • The right to know what is in your credit file
  • The right to dispute inaccurate or incomplete information
  • The right to have credit bureaus correct or delete inaccurate, incomplete, or unverifiable information (typically within 30 days of a dispute)
  • The right to know if information in your credit file has been used against you
  • The right to have your credit report kept private (with certain exceptions)
  • The right to limit prescreened offers of credit
  • The right to sue a consumer reporting agency for violations

Credit Repair Organizations Act (CROA)

Under the Credit Repair Organizations Act (15 U.S.C. sections 1679-1679j), you have the following rights when dealing with credit repair companies:

  • The right to cancel a credit repair contract within 3 business days
  • The right to a written contract before any services are performed
  • The right to not be charged before services are fully performed
  • The right to not be asked to waive your legal rights
  • The right to accurate representations (companies cannot make false claims about their services)
  • The right to sue a credit repair company for violations of the CROA

How to File Complaints

If you believe a credit repair company or financial service provider has violated your rights, you can file complaints with the following agencies:

Consumer Financial Protection Bureau (CFPB)

File a complaint about a financial product or service

consumerfinance.gov/complaint

Federal Trade Commission (FTC)

Report fraud, scams, or unfair business practices

reportfraud.ftc.gov

Your State Attorney General

File a consumer protection complaint in your state

naag.org/find-my-ag

Better Business Bureau (BBB)

File a complaint against a business

bbb.org/file-a-complaint

Free Credit Reports

You are entitled to a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once every 12 months. Request your free reports at AnnualCreditReport.com -- the only authorized website for free credit reports under federal law. Be cautious of imposter sites that may charge fees or require credit card information.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDITDOC, COSMIC PHOENIX LLC, AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO:

  • Your use of or reliance on information provided on this website
  • Any financial decisions you make based on information found on this website
  • Any actions taken or not taken by third-party companies listed on this website
  • Any loss of credit score, increased debt, financial harm, or other damages resulting from your interactions with companies found through this website
  • Inaccurate, incomplete, or outdated information on this website
  • Any interruption, error, or deficiency in the content or operation of this website
  • Any unauthorized access to or use of our servers or any personal information stored therein

YOU USE THIS WEBSITE ENTIRELY AT YOUR OWN RISK. THE INFORMATION PROVIDED ON THIS WEBSITE IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, LEGAL, OR TAX ADVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00). THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Testimonials and Results

Any testimonials, success stories, case studies, or results mentioned on this website -- whether attributed to specific companies, their customers, or third-party reviewers -- represent individual experiences only. They are not intended to represent or guarantee that current or future customers will achieve the same or similar results.

Credit repair outcomes depend on many factors unique to each individual, including but not limited to: the type and severity of negative items on your credit reports, your overall credit history, your current debts and income, the accuracy of the negative information, and the cooperation of creditors and credit bureaus.

State-Specific Notices

Credit repair regulations vary by state. Many states have their own credit repair laws that may provide additional consumer protections beyond the federal CROA. Before engaging any credit repair service, we recommend checking your state attorney general's website for state-specific regulations and consumer advisories.

Some states require credit repair companies to be bonded, licensed, or registered. The availability and legality of certain credit repair practices may vary depending on your state of residence. CreditDoc does not verify state-by-state compliance of the companies listed on our site.

Questions About This Disclaimer

If you have any questions about this Financial Disclaimer or any other legal notices on CreditDoc, please contact us:

CreditDoc (a property of Cosmic Phoenix LLC)

Email: contact@creditdoc.co

Website: creditdoc.co

This Financial Disclaimer was last updated on March 19, 2026.