Terms of Service

1. Scope of services

We provide credit report analysis, identification of possible discrepancies, dispute preparation and filing support, follow-up with credit bureaus and lenders, and related loan-readiness guidance for individuals and businesses. We are not a lender, a credit bureau or a loan agent.

2. Client authorisation

We act on disputes only after receiving your authorisation. Where required, you may need to raise or approve disputes yourself through the relevant bureau.

3. Client responsibilities

• Provide accurate, complete and genuine information and documents.
• Inform us promptly of any changes or lender communication.
• Not ask us to dispute information you know to be accurate.

4. Dispute assistance

Disputes are decided by the relevant credit bureau and lender. We help prepare and follow up on valid disputes but do not control their outcome or timing.

5. Fee and payment

The service scope and applicable fee are shared and agreed in writing before paid work begins. Fee are not linked to any promised score increase.

6. No guarantee

We do not guarantee any specific credit score increase, correction outcome or loan approval. Only inaccurate, incomplete or outdated information can be corrected; accurate information remains on your report as per applicable law.

7. Limitation of services

Our services are advisory in nature. Individuals may raise disputes directly with credit bureaus free of cost. Our liability, if any, is limited to the fee paid for the specific service concerned.