Learn Our Terms and Conditions
Last Updated: September 5, 2025
Welcome to FICO Fixer. By using this website or purchasing our book FICO Fixer: Seven Insider
Steps to a 700+ Credit Score, you agree to be bound by these Terms and Conditions. Please read
them carefully before continuing to use the site or product. If you do not agree, you should stop
using the site immediately.
Educational Purpose Only
FICO Fixer is an educational resource. The book and all related content are designed to provide
general information about credit management and insights into improving a credit score. We
do not provide financial, legal, or professional advice. The strategies discussed are for self-help
and learning purposes only, and results will vary depending on individual circumstances. You
should always seek independent, professional advice before making financial decisions.
No Guarantees
While the book outlines proven steps and strategies for better credit management, we make no
guarantee that following them will achieve a particular credit score or outcome. Credit results
are influenced by many factors outside our control, including individual payment history,
creditor policies, and broader financial behavior.
Access to Credit Reports
You may obtain a copy of your credit report directly from credit reporting agencies. In most
cases, you are entitled to one free report annually, or may request one for a nominal fee. You
also have the legal right to dispute inaccurate or incomplete information on your report. Any
disputes should be directed to the credit bureau in writing, which is required to investigate and
update your records if an error is found.
Intellectual Property Rights
All content on this website and in the book—including but not limited to text, images, design,
and layout—is protected by copyright and remains the property of FICO Fixer. You are
permitted to download or print one copy for personal, non-commercial use. Any reproduction,
distribution, modification, or commercial use of our materials without prior written consent is
strictly prohibited.
Limitation of Liability
FICO Fixer and its affiliates accept no liability for any direct, indirect, or consequential loss or
damage arising from your use of the website, the book, or reliance on its contents. This includes
but is not limited to loss of income, business opportunities, or data. Use of the website and
book is entirely at your own risk.
Indemnity
By using this website and book, you agree to indemnify and hold harmless FICO Fixer, its
authors, employees, and affiliates from any claims, liabilities, or expenses (including legal fees)
that arise from your misuse of the site or product, or any breach of these Terms and Conditions.
Third-Party Links
This website may contain links to third-party resources. These links are provided for
convenience only. We have no control over third-party websites and do not endorse or accept
responsibility for their accuracy, content, or practices.
Refunds and Returns
Because FICO Fixer: Seven Insider Steps to a 700+ Credit Score is an informational and/or digital
product, all sales are considered final unless otherwise stated at the time of purchase. We do
not offer refunds, exchanges, or guarantees of results.
Privacy
Your use of this site is also subject to our Privacy Policy, which explains how personal data is
collected, stored, and used. By using the site, you consent to the practices described in that
policy.
Changes to Terms
We reserve the right to amend these Terms and Conditions at any time. Updates will be posted
on this page and indicated by a new “Last Updated” date. Continued use of the website or
product after changes are made will be deemed acceptance of the revised terms.
Governing Law
These Terms and Conditions are governed by the laws of the USA. Any disputes will be handled
exclusively in the courts of the United States.
Contact Us
If you have any questions regarding these Terms and Conditions, please contact us at:
Contact details
gbrown@fico-fixer.com