Last updated: July 4, 2026
These terms govern your use of creditconsultantsgroup.com (the "Site"), operated by Credit Consultants Group ("we," "us," or "our"). By using the Site, you agree to these terms.
1. Acceptance of terms
By accessing or using the Site, you confirm that you are at least 18 years old and agree to be bound by these terms and our privacy policy. If you do not agree, please do not use the Site.
2. Educational purpose
The Site provides general educational information about credit awareness, credit monitoring, and identity protection. Nothing on the Site is financial, legal, tax, or credit advice. Content is provided for informational purposes only and may not reflect your individual circumstances. For advice specific to your situation, consult a qualified professional.
3. Services and scope
Credit Consultants Group takes an education-first approach: credit awareness, monitoring access, and consumer education come before anything else. Where appropriate to an individual's situation, we may offer credit restoration guidance or services; any such services are provided only under a separate written agreement and in accordance with applicable federal and state law. We do not promise, imply, or guarantee credit score increases, removal of items from credit reports, loan approvals, or any specific financial outcome, and nothing on this Site should be read as such a promise. Results vary by individual situation.
4. Third-party enrollment
Links on the Site labeled "Get your free snapshot" (or similar) lead to an independent third-party credit monitoring enrollment platform. Your enrollment, membership, billing, and cancellation are governed entirely by that platform's own terms and privacy policy. We are not responsible for the products, services, pricing, or data practices of third-party platforms, and we encourage you to review their terms before enrolling.
5. Compensation disclosure
Credit Consultants Group may receive compensation when visitors enroll in credit monitoring services through links on this Site. This compensation supports our educational content and does not change the price you pay.
6. Intellectual property
The Site's content, design, and branding are owned by Credit Consultants Group or its licensors. You may view and share Site content for personal, non-commercial purposes. You may not copy, reproduce, or republish Site content for commercial use without our written permission.
7. Acceptable use
You agree not to use the Site to transmit unlawful, harmful, or fraudulent material; attempt to gain unauthorized access to the Site or related systems; scrape or harvest data; or interfere with the Site's operation.
8. Disclaimer of warranties
The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
9. Limitation of liability
To the fullest extent permitted by law, Credit Consultants Group will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or any third-party service linked from it. Our total liability for any claim relating to the Site will not exceed one hundred dollars ($100).
10. Governing law
These terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Any dispute will be brought in the state or federal courts located in New Jersey.
11. Changes to these terms
We may revise these terms from time to time. The "Last updated" date reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.
12. Contact
Questions about these terms: ray@creditconsultantsgroup.com.