Legal Disclaimer

Rich’s Enterprises, LLC owns and operates Fair Credit and is not a credit repair organization.

Fair Credit is a self-help credit improvement site that offers information to help consumers become educated about their debt and credit rights. All information contained herein is designed specifically for consumers who through their own efforts wish to better understand the credit reporting process and to learn how to correct or remove inaccurate and outdated information from their personal credit reports in an effort to improve their own credit scores.

Legal information is NOT the same as legal advice. 

CAUTION: The use of any information contained herein, such as opinions, instructions, suggestions, advice, letters and similar content is at the user’s own risk. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you.

The information provided on is provided for educational and informational purposes only and/or any advice or comments made by any agent or employee of Rich’s Enterprises are intended only to educate and assist visitors in various areas of debt and credit management.

Access to this website and all information contained herein is free with the understanding that the authors and publishers are not engaged in rendering legal or financial advice or providing credit repair services. As such, the information provided on this site should not be used as a substitute for professional counseling and advice from certified legal or financial professionals.

While we have made every attempt to ensure the information contained in this website is accurate and from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information.