Terms & Conditions

Nine11 provides credit-education and credit-improvement services in accordance with the Fair Credit Reporting Act (FCRA). We are not a law firm, financial institution, or credit-counseling agency, and we do not offer legal, tax, or financial advice.

Any information provided on our website, in consultations, or through our services is for educational and informational purposes only.

Results vary by individual.

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By using our website or enrolling in our services, you acknowledge that:

• No outcome is guaranteed,

• Credit repair takes time and cooperation, and

• Your personal financial decisions remain your responsibility.

If you have questions about your specific situation, we recommend consulting a licensed attorney, financial advisor, or tax professional.

We cannot guarantee:

• The removal of any specific item from a credit report,

• An increase in credit score by a certain number of points, or

• Approval for credit, loans, or financial products.

All actions taken regarding your credit profile are done with your authorization and in accordance with applicable laws. You are responsible for reviewing all personal documents, financial decisions, and credit applications with a qualified professional if needed.