Sources, Disclosures & Terms

Educational purpose

The site and workbook 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 workbook 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 workbook 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

This informational site does not ask visitors to enter credit reports, account numbers, Social Security numbers, passwords, or other sensitive credit information. Basic traffic measurement may be added before public launch and will be disclosed here. Purchases and downloads will be 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.