Educational Disclaimer

CreditReady by Brycen provides educational information and readiness assessments to help consumers understand factors that lenders commonly consider when evaluating financing applications. All content — including CreditReady Scores, readiness categories, risk factor analyses, action plans, and lender insights — is for educational purposes only.

Nothing on this website or in any CreditReady report, action plan, or communication constitutes financial advice, legal advice, tax advice, or credit counseling.

CreditReady by Brycen is not a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) or under any applicable state law. We do not:

• Dispute items on your credit report on your behalf.
• Contact credit bureaus or creditors on your behalf.
• Represent that we can remove accurate, negative information from your credit file.
• Promise to improve your credit record, credit history, or credit rating.

Any guidance we provide is for educational purposes, to help you understand your situation and potential steps you may take on your own. You are not required to use a credit repair organization to dispute information on your own credit report.

The CreditReady Score is a proprietary educational readiness estimate produced by CreditReady by Brycen based solely on the self-reported information you provide. It is not:

• A FICO® Score or any other official credit score.
• A score calculated using your actual credit report data.
• A score used by lenders to make lending decisions.
• A guarantee of approval or any specific loan terms.

The CreditReady Score is intended solely to help you understand your general readiness position and identify areas to focus on before applying. Because it is based on self-reported information, its accuracy depends entirely on the accuracy of what you provide.

CreditReady by Brycen makes no representations, warranties, or guarantees regarding:

• Your likelihood of being approved for any loan or credit product.
• The specific interest rate, terms, or loan amount you may receive.
• Any improvement in your credit score as a result of following our guidance.
• Any particular outcome resulting from actions described in a CreditReady report or action plan.

Lending decisions are made by third-party lenders based on their own criteria, policies, and risk assessments, which may change at any time. CreditReady has no affiliation with, and no influence over, any lender.

Because CreditReady assessments are based on the information you self-report, the accuracy and usefulness of your results depend directly on the accuracy of the information you provide. Providing inaccurate or incomplete information will result in a readiness assessment that does not reflect your actual situation.

If you have complex financial, legal, or credit-related circumstances, we strongly encourage you to consult with a licensed financial advisor, credit counselor, or attorney. CreditReady is designed to complement professional guidance, not replace it.

Nonprofit credit counseling is available through the National Foundation for Credit Counseling (NFCC) at nfcc.org, and you can find HUD-approved housing counselors at hud.gov.

Using CreditReady does not result in a hard or soft inquiry on your credit report. We do not access your credit report from any credit bureau. Your use of this service has no effect on your credit score.

Questions about this disclaimer may be directed to: creditreadytx@gmail.com