Know your rights: Under federal law, you have the right to dispute inaccurate information on your credit report directly with the credit bureaus — for free — without hiring anyone. Credit Karina provides education and assistance, not guarantees.
General Disclaimer
All information provided by Credit Karina — through our website, consultations, emails, client portal, or any other channel — is for educational and informational purposes only.
We make no representations or warranties of any kind about the completeness, accuracy, or reliability of any information we share. Your use of our services is entirely at your own risk.
Credit Karina is a credit services organization. We provide credit report analysis, education, and dispute assistance. We do not guarantee the removal of any item from your credit report, nor any specific increase in your credit score.
No Guarantee of Results
Any client examples, testimonials, or before-and-after results shown on our site represent individual outcomes. They are not typical and are not a promise of what you will experience.
- We cannot guarantee that any specific item will be removed from your credit report.
- We cannot guarantee a specific credit score number or increase.
- We cannot guarantee approval for any loan, mortgage, or credit product.
- We cannot guarantee a timeline — bureau response times are outside our control.
- You always have the right to dispute inaccurate information directly with credit bureaus at no charge.
Under the Credit Repair Organizations Act (CROA), it is illegal for any company to promise removal of accurate, timely negative information. Credit Karina operates strictly within the law.
This Is Not Legal Advice
Nothing from Credit Karina constitutes legal advice. We are not a law firm. Karina Mejia and our staff are not licensed attorneys. References to laws like the FCRA, FDCPA, or CROA are informational only.
For questions specific to your legal situation, consult a licensed attorney.
Section 04This Is Not Financial Advice
Nothing on this website constitutes financial, investment, tax, or accounting advice. Credit Karina does not hold any financial planning or investment advisory licenses.
Any information about credit scores, debt, or budgeting is educational. For personalized financial guidance, consult a licensed financial advisor or CPA.
Section 05Third-Party Services
Credit Karina uses or references third-party services. We are not responsible for their practices, accuracy, or decisions.
- Credit Bureaus — Equifax, Experian, and TransUnion are independent. We have no control over their dispute processes or outcomes.
- Credit Monitoring — Scores from monitoring tools may differ from scores lenders use.
- Payments — Processed through Authorize.Net. We do not store your full card details.
Limitation of Liability
To the fullest extent permitted by law, Credit Karina and its owner Karina Mejia shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.
Credit Karina is not liable for bureau decisions to reject disputes, failure of items to be removed, or any change or lack of change in your credit score.
We are not responsible for any lender's decision to approve or deny any application — regardless of changes to your credit report from our work.
We do not warrant uninterrupted or error-free access to our website or client portal. Service may be suspended without notice for technical reasons.
Questions? Contact Us
If you have any questions about this disclaimer or our services, reach our team directly:
Credit Karina — Direct Contact
Our team is available Monday through Friday to answer any questions about your rights or our services.
- info@proximitytoprosperity.com
- (555) 123-4567
- Monday–Friday · 9AM–6PM EST
- Nationwide — All 50 States
Credit Karina is a credit services organization regulated under the Credit Repair Organizations Act (CROA) and applicable state laws. Results may vary and are not guaranteed. You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no charge. Nothing on this website constitutes legal or financial advice. © 2025 Credit Karina. All rights reserved.