Terms & Conditions
Welcome to the website of Creditworthiness101 and The Alternative Inc. ("we," "our," or "us"). By accessing or using this website, submitting any form, booking a credit review, or engaging with our services, you agree to be bound by the following Terms & Conditions. Please read them carefully.
How Our Website and Services May Be Used
The Creditworthiness101 website and services are intended for lawful, informational, and service-related use only. We are dedicated to helping individuals understand what is holding their credit back and providing clear, honest strategies to address it. Our information is educational in nature and is not legal, financial, or professional advice.
Our services cannot be used for: illegal activity or misrepresentation; filing false claims or false identity theft reports; attempting to manipulate or misuse credit reporting systems; or circumventing laws, creditor obligations, or contractual responsibilities. We reserve the right to refuse or discontinue service if our website or services are being used in a way that violates the law, our policies, or ethical standards.
Age Restriction
Our website and services are intended for individuals who are 18 years of age or older. By accessing or using our website, submitting a form, or engaging with our services, you confirm that you are at least 18 years old. Creditworthiness101 and The Alternative Inc. do not knowingly collect personal information from individuals under the age of 18. If we become aware that a minor has submitted personal information through our website, we will promptly delete that information. If you believe a minor has provided us with personal data, please contact us immediately.
Our Commitments and Client Responsibilities
At Creditworthiness101, we believe in clear communication and setting realistic expectations. This section outlines what you can expect from our credit coaching and consulting services and your responsibilities as a client.
What Our Credit Coaching Services Will Do For You
Creditworthiness101 is committed to providing expert guidance in reviewing your credit profile, identifying inaccurate, unverifiable, or outdated information, and developing a personalized step-by-step strategy to help you improve your credit standing. We educate clients on credit scoring, utilization, and reporting mechanics so you understand exactly how your credit works.
How We Address Credit Inaccuracies
We provide guidance on disputing credit inaccuracies using documented, lawful processes in accordance with applicable federal regulations. Our goal is to empower you with legally defensible strategies to improve your credit profile.
What Our Services Do Not Promise
Our services are not designed to offer shortcuts or unlawful tactics to boost credit scores. We do not provide legal advice, financial advice, or a substitute for professional counsel. We cannot guarantee specific credit score outcomes, item deletions, loan approvals, or timelines, as results vary based on individual circumstances and creditor responses.
No Guarantees
Creditworthiness101 and The Alternative Inc. do not guarantee any specific credit results, score changes, item deletions, loan approvals, or financial outcomes. Any actions you take based on the information or guidance provided are your sole responsibility.
SMS Messaging Disclosure
By providing your phone number and opting in through our website forms or other communication methods, you consent to receive SMS messages from Creditworthiness101 / The Alternative Inc. These messages may include:
Appointment reminders and credit review scheduling updates
Account notifications and service updates
Special offers and discounts (marketing messages — only with your explicit consent)
Educational and informational content related to our credit coaching services
Opt-Out & Support Instructions
You can cancel the SMS service at any time. Just text "STOP" to +1-470-301-9958. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or +1-470-301-9958.
Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
Message Frequency & Data Rates
Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary depending on your account activity and the services you have requested. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
User Responsibilities
You agree to use this website for lawful purposes only and not to misuse, disrupt, or interfere with its operation. You are responsible for ensuring that any information you submit is accurate and truthful. Your use of this website and our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
How to Resolve Concerns or Disagreements
If you have a concern, question, or disagreement, the best and fastest way to resolve it is through direct communication with us. We encourage clients to contact Creditworthiness101 as soon as an issue arises so it can be addressed promptly and professionally. Most concerns can be resolved through open discussion, clarification of services, or review of account activity.
Privacy Policy
If you have any questions regarding privacy, please read our full privacy policy: Creditworthiness101 Privacy Policy
Changes to These Terms
We may update these Terms & Conditions at any time. Updates will be posted on this page with a revised date. Continued use of our website following any changes constitutes your acceptance of the updated terms.
Contact Us
Email: [email protected]
Phone: +1 443-272-4439
Address: 3379 Peachtree Rd NE Suite 655 P-64, Atlanta, Georgia, United States