Legal Disclaimer

Last Updated: March 24, 2026

1. No Guarantees

ScorePivot provides educational resources, tools, and content only. Individual credit repair results may vary. No specific outcome — including credit score improvement, debt deletion, or collection removal — is guaranteed by use of any tool, letter template, or calculator on this site.

2. Not Legal or Financial Advice

Nothing on ScorePivot.com constitutes legal, financial, tax, or credit repair advice. All tools, blog posts, calculators, and letter generators are for informational and educational purposes only. Consult a licensed attorney or financial advisor for guidance specific to your situation.

3. Affiliate Disclosure

ScorePivot.com participates in affiliate programs. We earn commissions from qualifying purchases or signups made through links on this site, including but not limited to Credit Repair Cloud, IdentityIQ, Dovly, and Aura. Our editorial recommendations are independent of affiliate relationships. We only recommend products we have evaluated and believe provide genuine value.

4. AI-Generated Content

Some tools and content on ScorePivot.com are powered by artificial intelligence. AI-generated outputs — including dispute letter templates, score projections, and analysis — are for educational purposes only and should be independently verified before use. AI outputs do not constitute legal, financial, or credit repair advice.

5. Third-Party Content

ScorePivot is not responsible for the accuracy, completeness, or reliability of linked third-party resources, partner websites, or user-generated content. External links are provided for convenience only.

6. CROA Compliance Notice

ScorePivot.com does not provide credit repair services directly to consumers and is not a credit repair organization (CRO) as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. Tools provided are for educational use by credit repair professionals and consumers seeking to understand their rights.

7. Contact

For questions regarding this disclaimer, contact us at: brian@scorepivot.com