Calculated on the VantageScore® 3.0 model. Your VantageScore® 3.0 from Trans Union indicates your credit risk level and is not used by all lenders, so please don not be surprised if your lender uses a score that's different from your VantageScore® 3.0.

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Important Disclaimers: At Home Qualifiers, we strive to provide our users with the best tools and resources for managing and improving their credit standings. However, it is important to understand the limitations and variability associated with credit repair and the potential results you may experience.

1. No Guarantee of Results: While Home Qualifiers has successfully assisted many users in disputing inaccuracies on their credit reports and improving their credit scores, we cannot guarantee specific outcomes. The effectiveness of our services can vary significantly based on individual circumstances, credit history, and the unique aspects of each user’s financial situation.

2. Negative Accounts: In the context of Home Qualifiers, attacking negative accounts involves challenging, disputing, or negotiating these entries with the credit bureaus and creditors to remove inaccuracies, update information, or mitigate their impact. The ultimate goal is to correct any unjustified or mistaken entries and to improve the user's overall credit health by removing genuine but rectifiable negatives from their credit report.

3. Average Credit Score Increases: The credit score increases mentioned in our promotional materials and user testimonials are based on averages reported by previous and current Home Qualifiers users. These averages reflect common outcomes observed but do not predict individual results. Factors such as the amount and type of negative information present on your credit report, your overall credit history, payment behavior, and actions taken following the recommendations from Home Qualifiers will all influence your specific score change.

4. Influential Factors: Credit scores are determined by a variety of factors, including but not limited to: Payment History, Utilization Rate, Length of Credit History, Types of Accounts.

5. Each of these elements plays a critical role in the calculation of your credit score, and improvements in any of these areas may take time to reflect in your score.

6. Monitoring and Ongoing Management: Home Qualifiers can equip you with the tools to dispute inaccuracies and implement credit repair strategies, but success requires your active participation and ongoing management of your credit profile. We're here to provide guidance and support as you take steps to improve your credit, but it is ultimately your responsibility to remain informed and proactive.

By utilizing our services, you acknowledge and accept that individual results may vary, and that no specific guarantees are made regarding the impact on your credit score or financial situation. Your success with Home Qualifiers is contingent upon your commitment to addressing credit issues thoughtfully and strategically.