Terms of use
These terms explain how you may use Credit Footing. We keep this simple: Credit Footing is a free matching service, not a credit-repair company, law firm, or financial advisor.
What Credit Footing is
Credit Footing helps people across the United States find free information about building or rebuilding credit and, if they want, get connected with a participating credit-repair or nonprofit credit-counseling provider. Our service is free for consumers.
We do not repair credit ourselves. We are not a credit-repair company, law firm, lender, debt collector, or financial advisor. Information on this site is general education only, not legal, tax, or financial advice.
If you choose to use our get matched form, we use the contact and goal information you provide to help connect you with a provider that may fit your needs. Using our site does not create a lawyer-client, counselor-client, or fiduciary relationship with Credit Footing.
What you can do for free on your own
You have the right to get your credit reports for free and review them yourself. Under federal law, if you find information you believe is incorrect, you can dispute errors yourself at no cost with the credit bureaus and, when appropriate, with the company that reported the information.
That matters because no one needs to pay just to check a report or dispute an error. Some people still choose to work with a credit-repair company or nonprofit counselor for help staying organized, understanding the process, or dealing with complicated situations, but the DIY option is always your right.
Nothing on this site promises that any negative item will be removed, that your score will increase by a certain number of points, or that results will happen quickly. Credit outcomes depend on your own credit file, what information is accurate, and how long the process takes.
Rules for using this site
By using Credit Footing, you agree to use the site lawfully and honestly. Please do not submit false information, impersonate another person, interfere with the site, or try to access data that is not yours.
Our forms are meant for basic contact and matching only. We ask for limited information such as first name, phone number, optional email, ZIP code, preferred language, and your goal. Please do not send highly sensitive information through our forms, including your Social Security number, bank account numbers, full credit reports, income details, or date of birth.
We may update, change, pause, or remove parts of the site at any time. We try to keep information clear and current, but laws, provider offerings, and timelines can change, and some information may become outdated.
If you choose to get matched
If you ask to be matched, you are asking us to share the information you entered with a participating provider so they can contact you about your stated goal. Consent to be contacted, including by call or text using automated technology where allowed, must be given clearly and separately. Your consent is not required to use the site, and it is not a condition of receiving information from us.
We do not guarantee that you will be matched, that any provider will accept your situation, or that any provider's services will produce a particular result. Any decision to work with a provider is yours alone.
Before you sign up with any provider, read its written agreement carefully. If the provider is offering credit-repair services, federal law gives you important protections: a credit-repair company cannot charge before the promised work is done, cannot promise to remove accurate negative information, and must give you a written contract that you can cancel within three business days. Rules and timelines may also vary by state.
No guarantees, and watch for scams
Credit Footing does not make guarantees about results, timing, approvals, score changes, or whether any item can be removed from a credit report. We do not promise to "erase bad credit," remove accurate negative information, or fix credit fast. Be careful with anyone who does.
Walk away from companies that ask for money before work is done, tell you to dispute information you know is true, or suggest creating a new credit identity or "CPN." Those are major warning signs. Legitimate help should be clear about what it can and cannot do, and you can always take legitimate credit-report steps yourself for free.
Any educational examples on this site are only examples. They are not promises of what will happen in your situation.
Limits, outside providers, and contact
This site is provided on an "as is" and "as available" basis. To the extent allowed by law, Credit Footing is not responsible for losses or damages that come from your use of the site, temporary unavailability, or your dealings with an outside provider. Providers are independent businesses, and their services, terms, availability, and prices vary by company and by state.
If a provider offers paid services, the provider's own contract controls the details of that relationship. Always review the provider's written terms, privacy practices, cancellation rights, and any required disclosures before you agree to anything.
If you do not agree with these terms, please do not use the site or submit the get matched form. By continuing to use Credit Footing, you agree to these terms as updated from time to time.
Use this site for free information and matching, but remember: you can review and dispute credit report errors yourself for free, and no one can honestly guarantee credit results.
Common questions
Do I have to pay to use Credit Footing?
No. Credit Footing is free for consumers to use. If you choose to work with a provider later, that provider may offer free or paid services under its own written agreement.
Does Credit Footing repair my credit?
No. We do not repair credit, give legal advice, or act as your financial advisor. We provide general education and free matching to participating providers.
Can I dispute credit report errors by myself for free?
Yes. You can get your credit reports for free and dispute errors yourself at no cost. That DIY right is always yours, whether or not you use our matching service.
What information should I put in the form?
Only basic contact and matching details: first name, phone number, optional email, ZIP code, preferred language, and your goal. Do not include your Social Security number, bank account numbers, full credit report, income, or date of birth.
Are results guaranteed if I get matched with a provider?
No. No honest company can guarantee that accurate negative information will be removed or that your score will increase by a certain amount. Results depend on your credit file, the facts, and time.
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