Terms of Service

Last updated: December 11, 2025

1. Acceptance of Terms

By purchasing FederalClear, you agree to these Terms of Service. If you do not agree, please do not use our product.

2. Product Description

FederalClear is an educational product that provides:

  • Federal law-based dispute letter templates
  • FCRA compliance guidance (Sections 609, 611, 623)
  • Step-by-step instructions for credit bureau disputes
  • Certified mail tracking tools
  • Follow-up escalation templates

FederalClear is NOT a credit repair organization as defined by the Credit Repair Organizations Act (CROA). We do not perform credit repair services on your behalf. You are responsible for submitting your own disputes.

3. No Guarantees of Results

While our system is based on federal law (FCRA), results vary based on:

  • Individual credit circumstances
  • Accuracy of information you dispute
  • Credit bureau verification processes
  • Original creditor cooperation

We make no guarantees about specific outcomes, score increases, or item deletions. Any testimonials represent individual experiences and may not reflect typical results.

4. Legal Compliance

You agree to:

  • Only dispute inaccurate or unverifiable items
  • Provide truthful information in all disputes
  • Comply with all applicable federal and state laws
  • Not use our system for fraudulent purposes

Warning: Disputing accurate information or providing false statements to credit bureaus may violate federal law (18 U.S.C. ยง 1001).

5. Refund Policy

See our Refund Policy for details on our 90-day money-back guarantee.

6. Intellectual Property

All content, templates, and materials provided by FederalClear are protected by copyright. You may use them for personal credit repair purposes only. Commercial resale or redistribution is prohibited.

7. Limitation of Liability

FederalClear is not liable for:

  • Actions taken by credit bureaus or creditors
  • Credit score changes (positive or negative)
  • Loan denials or credit decisions
  • Legal consequences of improper use

8. Changes to Terms

We may update these Terms at any time. Continued use after changes constitutes acceptance. Check this page periodically for updates.

9. Contact

Questions about these Terms? Email us at:
[email protected]

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