Required Statutory Disclosures
Important disclosures required in connection with our credit-report assistance services. Please read them carefully.
Not a law firm
Point Guard Credit is not a law firm and does not provide legal advice or legal representation. No attorney-client relationship is formed by using this website or our services. We do not appear in court or hold ourselves out as a law firm.
No guarantee of results
We do not guarantee any particular outcome, credit-score increase, deletion of accurate information, or litigation result. We do not guarantee that any attorney will accept your matter for representation.
Accurate information may remain
Accurate negative information that is being reported within the allowable time period generally cannot be removed simply because it is negative. We focus on information that may be inaccurate, incomplete, inconsistent, or inadequately investigated.
Credit Repair Organizations Act
Under the federal Credit Repair Organizations Act (CROA), it is illegal for a credit repair organization to charge or accept any money for services before those services are fully performed. Point Guard Credit does not collect any upfront setup fee, audit fee, or retainer before completing work. Our 2-to-7 day onboarding window is structured to ensure real, completed work is performed before any payment is collected. We intend to comply with CROA and applicable state credit-services laws. Required disclosures, cancellation rights, and written contracts are provided as required. Pricing and service scope remain subject to legal and compliance review before implementation.
Additional disclosures
- Attorney referral: Any referral compensation, fee sharing, or joint marketing arrangement is reviewed for compliance with applicable professional-conduct rules. No attorney-client relationship is established until an attorney agrees to represent you.
- Financing education: Any business-credit or financing education is informational only. Financing approvals, rates, and terms are never guaranteed. Any broker, referral, or compensation arrangement is separately reviewed for applicable licensing and disclosure requirements.
- Electronic signatures: We use electronic-signature and client-authorization procedures in accordance with applicable law.
- Privacy: See our Privacy Policy for how your consumer financial information is handled.