Important Disclosures

Please read the following disclosures carefully before engaging any services offered by Credit Counseling San Antonio - Increase Your Credit Scores, located at 2022 Pleasanton Rd, San Antonio, TX 78221. By using our services, you acknowledge that you have read, understood, and agreed to the terms and limitations described below. If you have questions, contact us at (726) 256-7345 or [email protected]. Our team is available Monday through Sunday, 8:00 AM to 6:00 PM.

1. No Guarantee of Credit Score Outcomes

Credit Counseling San Antonio does not guarantee any specific improvement to your credit score or credit profile. Credit scores are calculated by independent credit bureaus (Experian, Equifax, and TransUnion) using proprietary algorithms, and outcomes depend on a wide range of individual factors, including but not limited to:

• Your current credit history and payment record
• The nature and age of negative items appearing on your report
• Your existing debt balances and credit utilization ratio
• The accuracy and completeness of information reported by creditors
• Changes in your financial behavior during and after the counseling process

Results, if any, will vary from client to client. Some clients may experience measurable improvements in their credit profile over time; others may see minimal or no change depending on the specific circumstances of their credit file.

2. No Guarantee of Loan Approval or Funding

Nothing communicated by Credit Counseling San Antonio — whether verbally, in writing, on this website, or through any marketing material — constitutes a guarantee, promise, or representation that you will be approved for any loan, mortgage, line of credit, or other financial product. Loan approval decisions are made solely by independent lenders or financial institutions and depend on their individual underwriting criteria, which may include:

• Your credit score and credit history at the time of application
• Your debt-to-income ratio and monthly income
• Employment status and verification
• Collateral value (if applicable)
• Lender-specific policies and regulatory requirements

We make no representations regarding your likelihood of approval with any particular lender or loan program.

3. No Guarantee of Specific Rates, Terms, or APR Outcomes

Credit Counseling San Antonio does not guarantee, predict, or imply any specific interest rate, annual percentage rate (APR), monthly payment amount, loan term, or financial product pricing. Rates and terms offered by lenders are determined independently and may vary significantly based on:

• Prevailing market conditions and benchmark interest rates
• The lender's internal pricing models and risk assessment
• Your individual credit profile at the time of application
• The type, amount, and term of the financial product requested
• Required documentation and its verification outcomes

Any rate ranges or general examples referenced in our educational materials are for illustrative purposes only and should not be construed as a quote, offer, or commitment from any lender.

4. Credit Repair Rights Under Federal Law

Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., you have the right to:

• Cancel any contract with a credit repair organization within three (3) business days of signing without penalty
• Sue a credit repair organization that violates the CROA
• Seek actual damages, punitive damages, and attorney's fees if your rights are violated

You also have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no charge. You are not required to hire a credit repair organization to dispute items on your behalf. For more information, visit the Federal Trade Commission (FTC) website or the Consumer Financial Protection Bureau (CFPB).

5. Estimated Timelines Are Approximations Only

Any timelines discussed in connection with our credit counseling or dispute services are estimates only and should not be interpreted as guarantees of when results may be observed. Typical dispute resolution processes by credit bureaus may take approximately 30 to 45 days per cycle under the Fair Credit Reporting Act (FCRA), though actual timeframes may vary and could be longer depending on the complexity of your case, creditor response times, and bureau processing volumes. Overall credit profile improvement, if it occurs, may take several months to years depending on individual circumstances.

6. Third-Party Services and Lender Relationships

Credit Counseling San Antonio may provide referrals to or information about third-party lenders, financial institutions, or service providers. We do not control the practices, policies, or decisions of any third party. Any interaction you have with a third-party provider is governed solely by that provider's terms, conditions, and applicable law. We are not responsible for the actions, representations, or outcomes associated with any third party.

7. Educational Nature of Services

The information and guidance provided by Credit Counseling San Antonio is intended for educational and counseling purposes only and does not constitute legal advice, financial advice, or tax advice. Clients are encouraged to consult with a licensed attorney, certified financial planner, or tax professional for advice specific to their situation.

8. Geographic Service Area

Our primary service area includes San Antonio, TX and surrounding communities. Services may be available to clients outside this area depending on applicable state and local regulations. Please contact us to confirm availability in your location.

9. Privacy and Data Use

Any personal or financial information you share with Credit Counseling San Antonio is used solely for the purpose of delivering the services you have requested. We do not sell your personal information to unaffiliated third parties. For full details on how your data is collected, used, and protected, please refer to our Privacy Policy.

10. Contact Us

If you have questions about these disclosures or our services, please reach out to us:

• Business Name: Credit Counseling San Antonio - Increase Your Credit Scores
• Address: 2022 Pleasanton Rd, San Antonio, TX 78221
• Phone: (726) 256-7345
• Email: [email protected]
• Hours: Monday – Sunday, 8:00 AM – 6:00 PM

These disclosures are subject to change without prior notice. Please check this page periodically for updates. Last reviewed: 2025.