Terms and Conditions

Using This Website

This website belongs to Credit Repair Lake Wales, which works with clients in Lake Wales, Florida and the surrounding area. By reading these pages, you agree to the terms below. If you do not agree, please stop using the site.

The site is informational only. You cannot open an account, pay, upload documents or enroll in anything here. The phone is the only way to reach us.

General Information, Not Personal Advice

Our pages explain how credit reports are built, how a dispute moves through a credit bureau and what lenders tend to review for personal funding and small business funding. That material is general. It is not legal, tax or financial advice for your situation, and reading it does not make you our client.

No Promised Outcomes

The credit bureaus decide whether an item is corrected or removed, and lenders decide whether to approve credit lines, loans or business funding. We do not control those decisions. Nothing on this site promises a deletion, a specific credit score or an approval.

Before you enroll in any program, we explain its terms by phone, including what is covered and what is not. Those terms, agreed separately, govern the work.

What a Phone Call Starts

Our office line, (863) 622-0532, is where every conversation with us begins, and on that call you choose what to share. A consultation helps us understand your credit report and financial goals; it does not commit you to anything. Please share only what is needed for that conversation, and never read out full account passwords.

Ownership of Site Content

The text, layout and graphics on this site belong to Credit Repair Lake Wales. You may read and print pages for your own use. Copying them to another website or using them for commercial purposes requires our permission.

Accuracy and Limits of Responsibility

We try to keep the information current, but credit rules, bureau procedures and lender standards change. The site is offered as it is, without warranties about completeness or fitness for a particular purpose. To the extent the law allows, we are not responsible for losses that come from relying on general website content instead of speaking with us directly.

Changes to These Terms

We may update these terms when the site or our services change. The version posted here is the one that applies. Questions about any part of it are welcome on a short phone conversation at (863) 622-0532, and we will walk through it with you.