Disclaimers

You must be eighteen (18) years or older to access this website.  If you are not eighteen(18) years of age, you are not permitted to access this website.  Due to this age restriction, no information obtained by this website falls within the COPPA (Children’s Online Privacy Protection Act) and is not monitored as doing so.

Consumer Rights

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. They may charge a reasonable fee not to exceed eleven dollars ($11). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information on your credit report within the preceding 60 days.

There is also no fee if you certify that you are unemployed and intend to apply for employment during the next 60 days, that you are a recipient of public welfare assistance, or that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud. You also have the right to receive one free copy of your credit report from each consumer credit reporting agency per year at the www.annualcreditreport.com.

We are product of convenience. Generally, you can do any features of our product on your own without purchasing our product.

Consumer Credit File Rights under State and Federal Law you have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘‘credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission and the Consumer Financial Protection Bureau regulate and watch over credit bureaus. For more information visit: http://www.consumerfinance.gov/

Liability

In no event will mycreditdoc.com be liable for (i) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if mycreditdoc.com or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, Formidable Publishing Group, llc liability is limited to the greatest extent permitted by law.

Results Disclaimer

Any credit repair statements, or credit repair examples, are only estimates of what is possible. There is no assurance you’ll do as well. Results are based on many factors. We have no way of knowing how well you will do, as we do not know you, your background, your credit standing, or your work ethic. Therefore we do not guarantee or imply that you will get better credit, that you will do as well, especially if the techniques are never implemented. If you rely upon our figures; you must accept the risk of not doing as well.

All products and services by mycreditdoc.com are for educational and informational purposes only. Use caution and seek the advice of qualified professionals. Check with your accountant, lawyer or professional advisor, before acting on this or any information. If advice concerning legal or related matters is needed, the services of a fully qualified professional should be sought. mycreditdoc.com information, products, and services are not intended for use as a source of legal or accounting advice. You should be aware of any laws which govern business transactions or other business practices in your country and state.

Users of our products, services and web site are advised to do their own due diligence when it comes to making decisions and all information, products, and services that have been provided should be independently verified by your own qualified professionals. Our information, products, and services on mycreditdoc.com or any other sites owned or operated by Formidable Publishing Group, LLC should be carefully considered and evaluated, before reaching a decision on whether to rely on them. You agree that our company is not responsible for the success or failure of your decisions relating to any information presented by mycreditdoc.com or our company products or services.

Testimonials
In accordance with the Federal Trade Commission guidelines concerning use of endorsements and testimonials in advertising, let us make you aware of the following circumstances:
Testimonials appearing on this site are actually received via email, text, audio and video submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way or other. However, they are individual results and results do vary. We do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use our products and/or services.

The testimonials displayed are given verbatim except for correction of grammatical or typing errors. Some have been shortened, meaning; not the whole message received by the testimony writer is displayed, when it seemed lengthy or the testimony in its entirety seemed irrelevant for the general public.

Formidable Publishing Group, LLC is not responsible for any of the opinions or comments posted to our site. Formidable Publishing Group, LLC is not a forum for testimonials, however provides testimonials as a means for customers to share their experiences with one another. To prevent against abuse, all testimonials appear after they have been reviewed by management of Formidable Publishing Group, LLC. Formidable Publishing Group, LLC does not share the opinions, views or commentary of any testimonials on this site, and are strictly the views of the reviewer.

Testimonial Submissions:
As a consumer/user of Formidable Publishing Group, LLC products and/or services, by submitting your testimonial you give us permission to reprint, reproduce or use the testimonial in connection with our business. You also are agreeing to the following: (1) The reprint, reproduce or use of the testimonial will be at our discretion and without compensation; (2) We may use the testimonial with or without any pseudo (pen) name credit; (3) Our right to use the testimonial is perpetual and may be assigned by us; (4) We may use the testimonial locally, nationally, or globally and such use may be made in any media, information or communication platform (including internet advertising) currently in use or later developed; and (5) You, and not someone else, composed submitted and posted the testimonial. 
By submitting your testimonial, you are agreeing to the terms and conditions as listed herein.

 

3rd party offers –

This site may receive compensation from 3rd party companies. We may be an affiliate for products that we recommend. If you purchase those items through our links we will earn a commission. You will not pay more when buying a product through our link. In fact, We oftentimes are able to negotiate a lower rate (or bonuses) not available elsewhere.
Plus, when you order through our link, it helps us to continue to offer you lots of free stuff.   Regardless, we only recommend products or services we use personally and believe will add value to our readers. You should always do your own due diligence. We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”