Disclaimer

Advisory Services Only

Clearmark Advisory provides forensic credit analysis and escalation services. We are not a law firm, credit repair organization, credit counseling agency, or financial advisor. Our work is advisory in nature and does not constitute legal advice, credit repair services as defined under the Credit Repair Organizations Act (CROA), or financial planning.

No Guaranteed Outcomes

We do not and cannot guarantee that any tradeline will be removed, corrected, or modified, that any credit score will change, or that any specific financial outcome will result from our work. Outcomes depend on the facts, evidence, institutional processes, and regulatory frameworks applicable to each case.

Not a Substitute for Legal Representation

If your situation involves potential violations of the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), or other consumer protection statutes, we recommend consulting with qualified consumer rights counsel. We may prepare litigation-ready case files for attorney evaluation, but we do not file legal actions or represent clients in legal proceedings.

Third-Party Actions

We do not control how credit bureaus, lenders, servicers, or collection agencies respond to our analysis and escalation. Their actions, timelines, and decisions are outside our control and responsibility.

Information Accuracy

Our analysis relies on materials and information you provide. We are not responsible for conclusions based on inaccurate, incomplete, or outdated information supplied to us.

Contact

Questions about this disclaimer? Contact us at tom@clearmarkadvisory.com.