Disclaimer

Educational Purposes Only

All content, courses, resources, and consultations provided by 369 Consulting are for general educational and informational purposes only. They are intended to improve consumer understanding of credit reporting, consumer rights, and personal finance concepts.

The information provided does not constitute legal, tax, investment, accounting, or financial advice, and should not be relied upon as a substitute for advice from a qualified professional licensed in your jurisdiction.

Not a Credit Repair Organization

369 Consulting is not a credit repair organization or credit services organization as defined by the Credit Repair Organizations Act (CROA) or any state equivalent. We do not perform credit repair services, and we do not act to improve your credit report, credit history, or credit rating on your behalf.

No Guaranteed Outcomes

We make no representations, warranties, or guarantees — express or implied — regarding any specific credit score increase, the correction, removal, or deletion of any information from any credit report, approval for credit or lending products, or any other financial outcome.

Consumer credit outcomes depend on many factors outside anyone's control, including the practices of furnishers, consumer reporting agencies, and scoring models. Your results from applying educational concepts will vary.

Your Rights Under the Law

Under the Fair Credit Reporting Act (FCRA), you have the right to obtain a free copy of your credit report from each nationwide consumer reporting agency once every 12 months at AnnualCreditReport.com, and you have the right to dispute inaccurate or incomplete information directly with the consumer reporting agencies at no cost. You do not need any company, including 369 Consulting, to exercise these rights.

Accuracy of Information

We work to keep our educational content accurate and current, but laws, regulations, scoring models, and industry practices change. We make no warranty that all content reflects the most recent developments, and we encourage you to verify time-sensitive information with official sources.

Personal Responsibility

Any decisions you make about your credit or finances are your own responsibility. Before making significant financial or legal decisions, consult a licensed attorney, certified financial professional, or other qualified advisor about your specific circumstances.