Transparency is part of the product.

Ownership and non-affiliation

The 850 Credit Score Project is a product of The Healey Farm, LLC. It is not affiliated with FICO, Experian, Equifax, TransUnion, or VantageScore. All trademarks belong to their respective owners.

Educational purpose

The site and workbooks provide general educational and organizational information. They are not individualized financial, legal, tax, investment, lending, or credit-repair advice. The Healey Family and The Healey Farm, LLC are not credit bureaus, scoring companies, lenders, financial advisers, attorneys, tax professionals, or credit-repair organizations.

No guaranteed outcome

Credit scoring models, lender standards, reporting dates, and personal credit histories vary. Nothing on this site or in the workbooks guarantees a particular score, point increase, approval, interest rate, removal of accurate information, or timeframe. Individual results vary.

Personal-use license

A purchase provides a non-transferable license for personal use. A buyer may save and print working copies for personal use but may not resell, redistribute, share, upload, reproduce for clients, or use the workbooks commercially.

Digital-sale policy

Due to the immediate-access nature of digital products, sales are final except for technical delivery problems that cannot be corrected. The purchase platform’s displayed terms and legally required consumer rights also apply.

Privacy

Operator and privacy choices

This website is operated by The Healey Farm, LLC, an Indiana limited liability company, under the brand shown here. The privacy contact listed on this page handles questions and requests for this brand.

Basic Google Analytics is on by default when our hosting service identifies a visitor as being in the United States, unless that visitor has declined. For visitors elsewhere, or when location is unknown, analytics stays off until accepted. Use the controls on this Privacy page to review or change your preference. We honor saved refusals. Advertising personalization and Google advertising signals are disabled for basic measurement. Reports use cookies and pseudonymous identifiers; we do not describe them as anonymous. We do not send names, email addresses, telephone numbers, form text, private access links, journal or prayer text, or sensitive credit records to Google Analytics. Public-page and approved action reporting is separate from essential checkout, account access, security and fulfillment. Reports cover measured visitors and do not by themselves establish paid sales.

A privacy-preference cookie lasts up to 180 days. A browser-stored refusal remains until you change it or clear browser storage; accepted choices are renewed after 180 days. You can change your preference at any time. Global Privacy Control is respected for optional advertising measurement. Essential records needed to provide a requested service remain available when optional tracking is declined. Privacy choices do not subscribe you to marketing email. Google’s privacy policy describes its processing. Questions about access, correction, deletion or applicable privacy rights can be sent to this page’s privacy contact.

This informational site does not ask visitors to enter credit reports, account numbers, Social Security numbers, passwords, or other sensitive credit information. We use Google Analytics to measure visits and outbound Etsy purchase-link clicks so we can understand site performance. Purchases and downloads are handled by Etsy under Etsy’s applicable privacy and transaction terms.

Authoritative resources

• AnnualCreditReport.com — federally authorized source for reports from Equifax, Experian, and TransUnion.
• Consumer Financial Protection Bureau — reports, scores, disputes, complaints, and consumer rights.
• myFICO Credit Education — scoring categories and model education.
• Federal Trade Commission — freezes, fraud alerts, scams, and identity protection.
• IdentityTheft.gov — federal identity-theft reporting and recovery planning.

Educational content last reviewed September 2026.