X & X Credit Consultants
Effective date: July 3, 2026
These terms govern your use of this website and your engagement with X & X Credit Consultants. By using this site or our services, you agree to them.
X & X Credit Consultants provides credit education, credit file analysis, and compliance-based credit consulting informed by the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA), and Metro-2 reporting standards. Our services help you understand your credit profile and pursue accurate, complete, and verifiable credit reporting.
Credit outcomes depend on the specific contents of your credit file, the accuracy of reported information, and the responses of credit bureaus and furnishers. We do not guarantee the removal of any item, any specific credit score increase, or approval for any credit product. Estimates shown on this site — including the score estimator and any illustrative figures — are educational illustrations, not promises of results.
Nothing on this website or in our services is legal advice, and we are not a law firm. Information about consumer protection laws is provided for education. For legal advice about your specific situation, consult a licensed attorney.
You have the right to dispute inaccurate information on your credit reports yourself, directly with the credit bureaus, at no cost. Our services provide strategy, structure, and support, but they are not the only path available to you.
You agree to provide accurate information, to review documents we prepare with you before use, and to use our services only for lawful purposes relating to your own credit file (or a file you are legally authorized to act on).
Service pricing is listed on our homepage. Veteran and active-duty discounts require proof of service (DD-214 or military ID). Specific engagement terms, including any refund provisions, are set out in your client agreement, which controls if it differs from this page.
The content, branding, and materials on this site belong to X & X Credit Consultants and may not be copied or reused without permission.
To the fullest extent permitted by law, X & X Credit Consultants is not liable for indirect, incidental, or consequential damages arising from use of this website. Our total liability relating to any service is limited to the amount you paid for that service.
We may update these terms from time to time. Continued use of the site after changes means you accept the updated terms.