Disclaimer

1. No Guaranteed Results

Nova Credit Booster does not and cannot guarantee:

• Any specific credit score increase
• Removal of any particular negative item from your credit report
• Approval for loans, credit cards, mortgages, or other financial products
• Any specific timeline for results
• That you will achieve the same results as other clients

Results vary significantly based on your unique credit situation, the accuracy of negative items, credit bureau responses, creditor cooperation, and many other factors beyond our control.

2. Accurate Information Cannot Be Removed

We can only challenge items that are inaccurate, unverifiable, misleading, or outdated. We cannot and will not attempt to remove accurate, verifiable negative information from your credit report. Accurate negative information generally remains on your credit report for 7-10 years depending on the type of item.

3. No Legal Advice

Nova Credit Booster is not a law firm and does not provide legal advice. Our services are limited to credit repair and credit education. If you need legal advice regarding debt collection, bankruptcy, consumer rights, or other legal matters, you should consult with a licensed attorney in your jurisdiction.

4. No Financial or Tax Advice

We do not provide financial planning, investment advice, tax advice, or accounting services. Information provided on our website and during consultations is for educational purposes only and should not be construed as professional financial or tax advice. Consult with a licensed financial advisor or tax professional for personalized advice.

5. Educational Information Only

Content on our website, including articles, guides, and resources, is provided for general educational and informational purposes only. This information should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

6. Client Testimonials

Testimonials and case studies on our website represent the experiences of individual clients. These results are not typical and should not be considered a guarantee or promise of similar results. Factors affecting results include:

• Starting credit score and credit history
• Number and type of negative items
• Accuracy and verifiability of disputed items
• Credit bureau and creditor responses
• Client compliance and communication
• External economic and financial factors

7. Third-Party Actions

We have no control over and are not responsible for the actions, decisions, or response times of credit bureaus, creditors, collection agencies, or other third parties. We cannot guarantee how these entities will respond to disputes or requests for verification.

8. Credit Score Factors

Your credit score is affected by many factors, including but not limited to:

• Payment history (35% of FICO score)
• Credit utilization (30%)
• Length of credit history (15%)
• Credit mix (10%)
• New credit inquiries (10%)

While we work to address negative items, your ongoing credit behavior significantly impacts your score. Late payments, high balances, or new negative items can offset progress made through credit repair.

9. Website Accuracy

While we strive to provide accurate and up-to-date information on our website, we make no warranties or representations regarding the accuracy, completeness, or timeliness of any content. Information may become outdated or contain inadvertent errors. We reserve the right to correct any errors or update information at any time without notice.

10. External Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Your interactions with external sites are governed by their respective terms and policies.

11. No Debt Elimination

Credit repair services do not eliminate valid debts. Even if negative items are removed from your credit report, you remain legally obligated to pay legitimate debts. Creditors may continue collection efforts, and removed items could potentially be re-reported if later verified.

12. State-Specific Regulations

Credit repair services are regulated differently in various states. Some states have additional requirements, restrictions, or consumer protections beyond federal CROA regulations. We comply with applicable state laws where we provide services.

13. Limitation of Liability

To the fullest extent permitted by law, Nova Credit Booster, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or opportunities, arising from or related to our services.

14. Your Responsibility

You are responsible for:

• Providing accurate and complete information
• Reviewing all communications and documents carefully
• Making informed decisions about your credit and finances
• Maintaining good credit habits during and after service
• Seeking professional advice (legal, financial, tax) when appropriate

15. Contact Information

If you have questions about this Disclaimer, please contact us: