Legal Disclaimer
Last updated: January 2025
Not Legal Advice
NoBillFix is NOT a law firm, and we do not provide legal advice. The content, templates, and tools provided on this website are for educational and informational purposes only. Using this website does not create an attorney-client relationship between you and NoBillFix.
1. DIY Tool Limitations
Our dispute letter generator uses standard logic based on the Fair Credit Reporting Act (FCRA). While these templates are designed to be effective for common errors, every credit profile is unique. We cannot guarantee specific results, score increases, or the removal of any particular item from your credit report.
2. No Guarantee of Results
Credit repair is a process governed by federal law. Credit bureaus (Equifax, Experian, TransUnion) have the right to investigate your disputes. If an item is verified as accurate by the creditor, it may remain on your report. NoBillFix makes no promises regarding the outcome of your disputes.
3. User Responsibility
You are responsible for reviewing all generated letters for accuracy before sending them. You assume full responsibility for any communications you send to credit bureaus, creditors, or collection agencies.
4. Professional Advice
If you have complex legal issues, are facing a lawsuit, or have debts exceeding the statute of limitations, we strongly recommend consulting with a qualified attorney or a certified financial advisor in your jurisdiction.