Terms of Service

1. Our Services

CreditToClose LLC provides credit-readiness guidance for people working toward mortgage readiness. We are not a law firm, mortgage lender, credit bureau, or government agency. Our services are not legal advice, mortgage lending, or a guarantee of any specific credit outcome.

We do not guarantee score increases, item removals, financing approval, mortgage approval, or any specific result. Accurate and verifiable information may remain on a credit report. Results vary based on each individual profile, documentation, creditor or bureau response, and applicable reporting rules.

2. SMS / Text Messaging Terms

By providing your mobile phone number and opting in, you consent to receive non-marketing customer-care and service text messages from CreditToClose LLC at the phone number provided.

Messages may include responses to inquiries, appointment coordination, document reminders, account-related follow-up, and status updates related to an existing inquiry or account.

Consent to receive text messages is not a condition of purchase. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP. After STOP, we may send one confirmation message and then stop. For help, reply HELP or email michael@getcredittoclose.com. Carriers are not liable for delayed or undelivered messages.

Your privacy is governed by our Privacy Policy.

3. No Guarantees

CreditToClose LLC makes no representations or warranties about specific credit, lending, financing, or reporting outcomes.

4. Acceptable Use

You agree to provide accurate information and use our website and services only for lawful purposes.

5. Limitation of Liability

To the fullest extent permitted by law, CreditToClose LLC is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

6. Changes to These Terms

We may update these Terms from time to time. The Effective Date reflects the latest revision.

7. Contact