Educational purpose only
The information, workshops, documents, and tools provided by Sapientia Foundation are for general educational purposes only. They are not legal, financial, tax, or investment advice, and using them does not create an attorney-client, fiduciary, or any other professional relationship. For advice about your specific situation, consult a licensed attorney, an accredited financial counselor, or a legal-aid office.
Not credit repair
Sapientia Foundation is not a credit repair organization. We charge no fees, sell no products, make no loans, negotiate or settle no debts, and pay or receive no commissions or referral fees. We do not contact credit bureaus, creditors, or collectors on anyone's behalf. Every letter prepared with our tools is written, signed, and sent by you, and you keep every record. We make no promises about credit-score changes or the outcome of any dispute.
Self-directed use
You are responsible for the accuracy of what you submit and send. Federal law prohibits disputing information you know to be accurate or making false statements to a credit bureau or creditor. Our materials ask only for correction of inaccurate or unverifiable information and for proof of items you dispute.
No warranty
The site and tools are provided "as is," without warranty of any kind. Sapientia Foundation is not liable for any loss arising from use of the site or its materials, to the extent permitted by law.
Third-party links
Links to other sites (for example, annualcreditreport.com or a government agency) are provided for convenience. We do not control and are not responsible for their content.
Contact
Questions about these terms: admin@sapientiafoundation.net, or PO Box 143, Woodbridge, VA 22194.