CROA & FCRA-Compliant Disclosures

The following disclosures are provided in accordance with applicable federal laws governing credit-related services, consumer reporting, and consumer rights, including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).

These disclosures are intended to promote transparency, informed decision-making, and realistic expectations regarding credit-related services.

IMPORTANT CONSUMER DISCLOSURE

You have important legal rights under federal law.

You are not required to purchase services from Lionel Group Strategies in order to:

dispute inaccurate information
contact credit bureaus
request copies of your credit reports
communicate directly with creditors
challenge reporting errors

You may perform these actions on your own at no cost.

Lionel Group Strategies provides:

educational support
strategic guidance
organizational assistance
consultation services
dispute assistance
workflow support
communication support

CREDIT REPAIR ORGANIZATIONS ACT (CROA) DISCLOSURE

Federal law requires consumers to receive the following disclosures before entering into agreements for credit-related services.

You Have The Right To:

obtain a copy of your credit report
dispute inaccurate information directly with consumer reporting agencies
cancel services within the legally required cancellation period where applicable
seek legal remedies for violations of applicable consumer protection laws

Lionel Group Strategies does not:

guarantee specific credit score increases
guarantee removal of accurate information
guarantee loan approvals
guarantee financing approvals
guarantee immediate results
advise clients to provide false information
advise clients to create misleading disputes

FAIR CREDIT REPORTING ACT (FCRA) DISCLOSURE

Under the Fair Credit Reporting Act:

consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy
consumers have the right to dispute inaccurate or incomplete information
credit bureaus generally must investigate disputes within applicable legal timelines
accurate negative information may legally remain on credit reports for certain periods of time

Examples may include:

late payments
collections
charge-offs
repossessions
foreclosures
bankruptcies

The presence of negative information does not automatically mean it can legally be removed.

NO GUARANTEED RESULTS

Credit restoration and financial positioning are strategic processes.

Results vary based on:

individual credit history
creditor reporting behavior
consumer reporting agencies
client participation
financial habits
legal and regulatory timelines
external third-party responses

Lionel Group Strategies does not promise:

overnight improvements
immediate deletions
specific score increases
guaranteed outcomes

CLIENT RESPONSIBILITY DISCLOSURE

Clients remain responsible for:

making timely payments
maintaining responsible financial habits
reviewing credit reports
monitoring account activity
providing accurate information
reviewing dispute materials

Credit restoration is not solely about correcting past issues.

Long-term financial behavior also impacts credit profile performance.

DISPUTE ASSISTANCE DISCLOSURE

Lionel Group Strategies provides strategic dispute assistance and educational support.

We do not:

submit knowingly false disputes
encourage fraudulent activity
advise clients to misrepresent facts
guarantee deletion of accurate accounts

Strategic dispute guidance may include:

identifying potential inaccuracies
reviewing reporting inconsistencies
organizing supporting documentation
educational consultation
workflow support

Clients remain responsible for reviewing and approving submitted information.

CREDIT REPORT ACCESS DISCLOSURE

Consumers are entitled to access their credit information.

Consumers may obtain copies of their credit reports through legally authorized sources.

Consumers should regularly review their reports for:

inaccuracies
unfamiliar accounts
identity theft indicators
reporting inconsistencies

Regular monitoring may help consumers identify issues earlier.

EDUCATIONAL PURPOSE DISCLOSURE

Educational content, consultations, articles, videos, resources, and guidance provided by Lionel Group Strategies are for informational and educational purposes only.

Nothing provided by Lionel Group Strategies should be interpreted as:

legal advice
tax advice
financial guarantee
lending advice
investment advice

Consumers should consult licensed professionals where appropriate.

CANCELLATION RIGHTS DISCLOSURE

Consumers may have cancellation rights under applicable federal or state law.

Details regarding cancellations, billing, refunds, and recurring services are outlined in:

the Service Agreement
Refund & Cancellation Policy
Terms of Service

Clients are encouraged to review all agreements carefully before enrollment.

ELECTRONIC COMMUNICATION DISCLOSURE

By using Lionel Group Strategies services and systems, clients may receive:

electronic agreements
digital disclosures
portal notifications
electronic records
SMS reminders
email communications

Electronic delivery may satisfy written notice requirements where legally permitted.

TESTIMONIAL & RESULTS DISCLOSURE

Testimonials, examples, case studies, or educational examples shown on the website or within marketing materials:

are individual experiences
are not guarantees of future results
may not reflect typical outcomes

Results vary significantly depending on individual circumstances.

THIRD-PARTY SERVICES DISCLOSURE

Lionel Group Strategies may utilize third-party providers for:

payment processing
scheduling
document management
messaging
automation
analytics
operational support
credit-related workflow systems

Third-party providers may have their own terms, policies, and compliance obligations.

CLIENT ACKNOWLEDGMENT

By enrolling in services, signing electronically, submitting payment, or using the client portal, Client acknowledges that they:

have received these disclosures
understand their rights
understand that results are not guaranteed
understand that accurate negative information may remain on reports
understand they may dispute information independently without purchasing services
understand that credit restoration requires time, participation, and consistency