The information provided by OPC Fix on opcfix.com and through our consultations, materials, and communications is for general educational and informational purposes only. Please read this Disclaimer carefully before relying on anything you find here.
1. Educational and Informational Purpose Only
Everything we publish or discuss is intended to help you understand credit concepts and your own credit profile. It is general in nature and is not tailored to the full circumstances of any particular person unless it is delivered as part of an engaged, paid consulting relationship with a signed agreement.
2. Not Professional Advice
OPC Fix is not a law firm, a lender, a bank, a credit bureau, a credit reporting agency, a financial advisor, a broker, a tax professional, or a government agency, and we are not affiliated with or endorsed by any of them. Nothing we provide is legal advice, tax advice, accounting advice, or investment advice. You should consult a qualified licensed professional before acting on any information you receive from us.
3. No Guarantee of Results
We do not guarantee any specific result. That includes, without limitation, any increase in a credit score, the removal or correction of any item on a credit report, approval for any loan, line of credit, or funding, any particular interest rate or credit limit, or any timeline for results.
Credit outcomes depend on many factors outside our control, including your individual credit history, your creditors, the credit bureaus, your income and obligations, current lending conditions, and the actions you choose to take. Results vary from person to person, and past results do not predict future results.
4. Testimonials and Examples
Any testimonials, reviews, case studies, or examples that appear on this site reflect the individual experience of that person. They are not a promise, guarantee, or prediction that you will get the same or similar results. Some examples may be illustrative rather than drawn from a specific client engagement.
5. Tradeline Information
Information about tradelines is provided for educational purposes so you can understand how they work and evaluate whether a strategy fits your situation. Tradeline results are not guaranteed. Reporting is controlled by the creditor and the credit bureaus, and lenders apply their own underwriting standards. You are responsible for confirming that any strategy you pursue is appropriate and lawful for your circumstances.
6. Funding and Qualification
References to funding readiness, exclusive opportunities, or additional programs are descriptions of what may be available to some clients after review. They are not offers of credit or funding, and they are not a promise that you will qualify. Availability is limited and determined case by case.
7. Credit Report Review
We review credit reports and related information only with your knowledge, permission, and written authorization, and only to provide the education and consulting services you requested.
8. Accuracy of Information
We make reasonable efforts to keep the information on this site current and accurate, but credit rules, lender criteria, and regulations change. We make no representation or warranty of any kind regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on this site.
9. No Fiduciary or Professional Relationship
Viewing this site, reading our materials, or attending a free consultation does not create a fiduciary, attorney-client, or other professional relationship between you and OPC Fix.
10. External Links
This site may contain links to third-party websites or tools. We do not monitor, endorse, or warrant the accuracy or reliability of any information offered by third parties, and we are not responsible for their content or practices.
11. Your Responsibility
Any decision you make based on information from this site or from our consultations is your own decision and your own responsibility. Under no circumstance will OPC Fix be liable for any loss or damage of any kind incurred as a result of the use of this site or reliance on any information provided.
12. Related Policies
This Disclaimer should be read together with our Terms of Service and our Privacy Policy.
13. Contact Us
OPC Fix
Phone: (239) 695-6924