Disclaimer

1. Not Legal Advice

The information provided by CreditHound is for informational and educational purposes only. Nothing on this platform constitutes legal advice. Our AI analysis flags possible reporting errors and possible FCRA-related issues on your credit report for your review, but it is not a substitute for professional legal counsel and does not determine whether any law was broken.

If you believe your legal rights have been violated, we recommend consulting with a qualified consumer rights attorney. CreditHound can connect you with attorneys in our network, but this does not constitute an attorney-client relationship with CreditHound.

2. Not a Credit Repair Organization

CreditHound.io, operated by LeadsAI LLC, is NOT a credit repair organization ("CRO") as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679. We do not promise, guarantee, or imply that we can improve your credit score, remove accurate information from your credit report, or alter your credit history. We do not draft, send, mail, or file dispute letters on your behalf.

Our service helps you identify potential errors on your credit report and, when appropriate, connects you with independent partner law firms who may pursue those errors under the Fair Credit Reporting Act (FCRA).

3. No Guarantee of Results

CreditHound does not guarantee any specific outcome from using our services. Results from credit report disputes depend entirely on the credit bureau's investigation and the specific facts of each case. Legal outcomes, if you pursue action through an attorney, depend on the specific facts and applicable law.

Past results achieved by users of CreditHound or attorneys in our network are not indicative of future results. Every credit report and situation is unique.

4. AI Analysis Limitations

Our AI analysis is based on pattern recognition and comparison against known error types and FCRA requirements. While our system is designed to be thorough, it may not catch every possible issue on your credit report, and flagged items are not confirmed legal violations.

We strongly recommend that you carefully review your credit report yourself in addition to using our AI analysis. If something looks wrong to you, it's worth investigating — even if our AI didn't flag it.

5. Attorney Referrals

When CreditHound connects you with an attorney, we are providing a referral — not legal representation. Any attorney-client relationship is between you and the attorney, not between you and CreditHound.

Attorneys in our network typically work on a contingency basis, meaning you pay nothing unless they recover damages on your behalf. However, fee arrangements are between you and the attorney and should be discussed and agreed upon before representation begins.

6. Third-Party Links

CreditHound may contain links to third-party websites, including AnnualCreditReport.com and other resources. We are not responsible for the content, accuracy, or practices of any third-party websites. Links are provided for convenience and informational purposes only.

7. Accuracy of Information

CreditHound makes reasonable efforts to ensure the accuracy of information provided on our platform, including information about federal consumer protection laws and credit reporting practices. However, we make no warranties or representations regarding the completeness or accuracy of any information.

Laws and regulations may change. For the most current legal information, consult with a qualified attorney or visit official government resources such as the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).