Terms & Conditions

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LDLC Solutions provides credit education, budgeting assistance, and credit profile organization services to help Clients better understand and manage their financial standing. LDLC Solutions is not a law firm, financial institution, or credit bureau, and does not provide legal advice, extend credit, or make lending decisions. All recommendations, tools, and materials are for educational and informational purposes only. By engaging LDLC Solutions, the Client agrees to provide accurate and complete information, including identification, proof of address, and current credit reports, and understands that all actions taken based on LDLC Solutions’ guidance are ultimately the Client’s responsibility. LDLC Solutions does not guarantee score increases, deletions, approvals, or specific financial outcomes, and is not responsible for decisions made by credit bureaus, creditors, lenders, or any third parties. All services are billed only for work already completed, which may include reviewing credit reports, identifying potential dispute items, preparing budgeting or funding-readiness plans, and drafting dispute templates for the Client’s use. LDLC Solutions operates in accordance with the Credit Repair Organizations Act (CROA) and does not charge advance fees. The Client acknowledges that timelines and results may vary based on bureau processing, creditor responses, and the Client’s financial behavior, including new accounts, missed payments, or changes in utilization. LDLC Solutions’ liability is limited to the amount paid by the Client for services that were not delivered as described. LDLC Solutions is not responsible for delays caused by the Client’s lack of communication, failure to provide required documents, or failure to review and sign any dispute letters prepared for their use. Use of LDLC Solutions’ services or website constitutes acceptance of this Policy and any future updates posted by LDLC Solutions.