The fine print, unburied.

Credit Habit Academy provides credit education only. It does not offer credit repair services.

Education, not credit repair

I provide educational guidance only. I do not file disputes on your behalf, contact creditors on your behalf, or take any action on your credit report. Any improvements to your credit score are the result of actions you choose to take.

No guaranteed results

Credit results depend on your individual circumstances and your own choices and actions. Nothing on this site or in any session should be interpreted as a guarantee, promise, or representation that your credit score will increase by any specific amount or within any specific timeframe.

About the “What If” simulator

Any “What If” simulator offered through this site produces hypothetical outcomes only. Simulator estimates are based on general models of how credit scores respond to changes — they are not predictions and not guarantees. Actual results from real-world actions will vary based on factors specific to your report and your creditors.

Not legal, tax, or financial advice

Information shared during sessions or on this site is for educational purposes only. It is not legal advice, tax advice, financial planning advice, or a substitute for consultation with a qualified professional. For matters involving disputes, bankruptcy, or significant financial decisions, you should consult a licensed attorney or financial advisor.

Your information

Any credit information shared during a session is handled confidentially and used only for the purposes of the session. See the Privacy Policy for full details on how your information is collected, used, and protected.

Questions

If anything in this disclaimer is unclear, please reach out before booking a session.