Disclaimer

1. Credit Repair Results

Results are not guaranteed. Credit improvement results and timeline may vary significantly between individuals. We cannot guarantee a specific increase in your credit score or the removal of negative items from your credit report. The advertised score improvements are based on our most successful cases and are not representative of all customers.

Individual results depend on various factors including but not limited to:

• Your current credit history and score starting point
• The accuracy of negative items on your credit report
• Your adherence to recommended financial practices
• The cooperation of credit bureaus and creditors
• The age and type of negative items

2. Legal Services

We are not a law firm and do not provide legal advice. Rising Tides Consults LLC, doing business as Tides Credit, is a credit repair organization as defined under federal and state credit repair laws. We do not provide legal representation or legal advice. If you require legal assistance, we recommend consulting with a qualified attorney.

3. Financial Advice

The information provided by Tides Credit is for educational purposes only and should not be considered personalized financial advice. We recommend consulting with qualified financial advisors for specific financial planning needs. Our services focus specifically on credit repair and improvement strategies.

4. FCRA Compliance

All credit repair activities are conducted in compliance with the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and applicable state laws. You have the right to dispute inaccurate information yourself at no cost by contacting credit bureaus directly. Our services are designed to help you exercise these rights more effectively.

5. Service Limitations

To set proper expectations, Tides Credit cannot:

• Remove accurate negative information from your credit report
• Guarantee specific credit score improvements
• Guarantee approval for credit applications
• Provide legal representation in court proceedings
• Create new credit accounts or improve payment history

6. Timeline Expectations

Credit repair is a process that typically takes several months to complete. While some results may be visible within 30-60 days, significant improvements often require 3-6 months or longer. The timeline depends on the complexity of your credit situation, the responsiveness of credit bureaus and creditors, and your cooperation with our recommended strategies.

7. Your Rights Under Federal Law

Under the Credit Repair Organizations Act (CROA), you have the right to:

• Cancel our services within 3 business days of signing up (cooling-off period)
• Receive a written contract detailing services and costs
• Dispute inaccurate information yourself at no cost
• Request a full refund within 90 days if no negative items are removed
• Sue for damages if we violate CROA provisions