The information provided by The Credit Owl, LLC
("TCO") and the information in the 90
Day Credit Challenge (TM) is intended for general
consumer understanding and education in various
credit repair and financial topics. All access to
this site is voluntary and at the sole risk of the
user. TCO is not a credit repair organization as
defined under federal or state law, including the
Credit Repair Organizations Act, and does not provide
"credit repair" services or advice or
assistance regarding "rebuilding" or "improving"
credit records, credit history or credit ratings.
This site is for consumer educational use only.
Nothing contained in TCO or the 90 Day Credit Challenge
(TM) is, should be considered, or used as a substitute
for professional financial or legal advice. Our
purpose is only to provide general credit and financial
information that can help people in credit repair
efforts and in financial management issues. This
site does not constitute certified financial or
legal advice or information.We do not guarantee
the successful improvement of your credit score
or removal of negative information from your credit
report as a result of your purchase and adherence
to the 90 Day Credit Challenge (TM).Because of the
stated purpose of this website, you agree that the
TCO website and the information contained therein,
including the 90 Day Credit Challenge (TM), does
not constitute a service that targets any one community,
group of users or business. Due to the site being
designed for educational purposes, you agree that
the site does not constitute undertaking business
in any specific area.
We encourage and advise users to seek the advice
of a certified financial professional or other legal
professionals if there are any questions about personal
financial issues or problems. Never disregard, delay
or avoid seeking financial advice from a qualified
financial professional because of anything you have
read on this site, or third party sites.
We do not control, supply, operate, endorse, warrant
or guarantee any information, products, services
or merchandise that are not clearly identified as
information that is supplied by TCO. We do not guarantee
the accuracy or currency of any Acts, Laws or Rules
contained on our site. We do not warrant or guarantee
that any material available for downloading through
our site or third party sites is free of infections
or viruses, worms, Trojan horses or other computer
code that contains destructive properties, although
no such viruses are present to our knowledge. We
do not guarantee or warrant against errors, omissions,
delays, interruptions or losses including loss of
data. You agree that any controversy, claim or dispute
arising from your use of the TCO site or your purchase
any TCO product, including the 90 Day Credit Challenge
(TM) shall be settled solely and exclusively by
binding arbitration in Danbury, Connecticut under
Connecticut law.
By purchasing The 90 Day Credit challenge, you
agree to pay 3 monthly installments of $19.99 for
a total of $59.97. If you decide to cancel early,
or if your credit card payment is denied for the
3 monthly installments, it will be your responsibility
to satisfy any remaining payments due.
After 3 months, your 90 Day Credit Challenge purchase
will automatically turn into a monthly membership
based at $19.99 per month. It is your responsibility
to notify us of your cancellation after the first
90 days have passed if you wish to cancel your ongoing
monthly membership. If you wish to cancel, please
let us know via our contact page.
Fair Isaac is not a credit repair organization
as defined under federal or state law, including
the Credit Repair Organizations Act, and does not
provide "credit repair" services or advice
or assistance regarding "rebuilding" or
"improving" credit records, credit history
or credit ratings."; AND (2) add a disclaimer
clearly describing that TCO and/or Jeanne Kelly's
endorsement of FICO® Scores may be in exchange
for payment or promise of compensation by FICO.
We reserve the right at any time to modify this
site with or without notice.
