All information provided by Credit PhD, Inc., and this Web site is for informational purposes ONLY, and is NOT intended to be the absolute and ultimate answer concerning your credit and financial situation. Access to this Website and ALL information contained at this Website is voluntary and at the sole discretion and risk of the user.

Please use the information at this Website for informational and educational purposes ONLY!

Credit PhD is not a financial institution nor does it profess to offer definitive financial advice. We encourage you to seek financial advice from a certified financial expert.

In NO WAY do we provide credit repair service of ANY kind. We provide information ONLY! By utilizing the information at this Website, you acknowledge that you will use this site for informational purposes ONLY!

We encourage you to seek the help of an expert in the field of credit and financial dealings before making a final decision.

In NO WAY, Shape, Form, or Fashion, do we Endorse, Guarantee, Warrant, Supply, Control, Operate, any Product, Service, or Merchandise that is NOT clearly associated with Credit PhD!

If for any reason you download an application from this Website, we are not responsible for any Worms, Viruses, Trojans or anything that may harm your computer.

At anytime the information may change on this Website.