Important Consumer Disclosures

Credit Score Defenders LLC is a consumer credit consulting and education business. It is not a credit bureau, lender, government agency, or law firm. References to laws are educational and do not constitute legal advice.

Results vary. CSD does not guarantee deletions, credit-score increases, approvals, funding, settlements, or removal of accurate, timely, and verifiable information. Credit bureaus, furnishers, lenders, courts, and government agencies make their own decisions.

No payment is collected through this public website unless a clearly identified secure payment workflow is expressly enabled. Displayed plans are informational starting points for a consultation and are not a promise of results. Any paid enrollment requires a separate written agreement and applicable federal and state disclosures. Payment timing must comply with applicable law.

Calculators and linked resources provide general education only. They do not create a professional engagement, replace individualized advice, or promise a result.

CSD owns its original website content, software, proprietary systems, calculators, templates, graphics, reports, and other CSD-created assets to the extent protectable by law. Third-party trademarks, linked materials, government works, source documents, and user-submitted content remain subject to the rights of their respective owners. CSD does not claim ownership of another party's intellectual property merely because it is referenced, linked, displayed under lawful authorization, or processed by a CSD system.

No third-party logo or name should be interpreted as endorsement, sponsorship, affiliation, or media coverage unless CSD provides written verification. Individual experiences, if published, are not guarantees or typical-result claims.

CSD's toll-free SMS program is limited to Account Notifications for consumers who voluntarily opt in. These messages may include appointment confirmations and reminders, document-request notifications, and account or service status updates related to services the consumer requested. CSD does not send marketing or promotional messages under this SMS program. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. SMS consent is optional and is not a condition of purchase, requesting an evaluation, or receiving CSD services. The complete SMS terms are at /sms-terms.

Paid CSD services require a separate written agreement. Where the federal Credit Repair Organizations Act or another applicable consumer-protection law covers a service, the corresponding written-contract, payment-timing, disclosure, and cancellation protections apply. CSD does not begin a covered service before any required cancellation period ends, and this public website does not collect payment for those services. See cancellation information.

Questions, privacy requests, copyright notices, intellectual-property concerns, or complaints may be sent to legal@creditscoredefenders.com or through the phone support control. Do not send Social Security numbers, complete account numbers, identity documents, or credit reports by ordinary email.