Every disclosure in one place.
This page holds the full legal detail behind every claim, every disclaimer, and every policy on this site. It is written to be read, not skimmed past. If something here contradicts anything elsewhere on the site, this page governs.
Last updated July 10, 2026Consumer Credit File Rights Under State and Federal Law
Federal law requires every credit repair organization to give you this disclosure, in writing, before you sign a contract. We are publishing the same content here so you have it before you ever pick up the phone.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding sixty days. You also have a right to a free copy of your credit report from each of the nationwide credit bureaus once every twelve months, at AnnualCreditReport.com.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within three business days from the date you signed it. See the Cancellation Notice below.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. Mistakes do occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate, incomplete, or unverifiable information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information in any report it issues about you.
You have a right to obtain a copy of your credit record within a reasonable time of any action taken against you on the basis of information contained in your credit record.
You have a right to receive actual damages for any violation of these rights, and this is a summary of your rights under federal law. State law may provide you with additional rights, including the right to bring a lawsuit in state court.
This is a public summary. The complete, signed version of this disclosure is provided to you in writing, and your written acknowledgment is obtained, before you sign any contract for services, exactly as federal law requires.
3-Business-Day Cancellation Notice
You may cancel any services contract with Stay Free Enterprise, without penalty or obligation, within three business days from the date you sign it.
If you cancel within that window, any payment made by you and any negotiable instrument executed by you will be returned within ten days of our receiving your written cancellation notice, and any security interest arising out of the contract will be canceled.
To cancel, mail or deliver a signed, dated copy of your cancellation notice, or any other written notice, before midnight of the third business day after the date you signed the contract, to the mailing address provided in your contract and confirmation materials.
Our official mailing address for cancellation and legal notices will be published here and in every client contract once finalized. Until then, every signed contract includes the correct address and a pre-filled cancellation form directly, so this right is never dependent on this page being current.
State Licensing & Bonding Statement
Most states require a credit services organization to register, and often to post a surety bond, before offering credit repair services to that state's residents. We take that requirement seriously and do not represent that we are licensed or bonded in any state until it is confirmed here.
Our confirmed service-area states, along with the corresponding license and surety bond numbers for each, will be published in this section once Stay Free Enterprise's registration footprint is finalized. Until this section is updated with confirmed details, please ask about service availability in your state on your consultation call before enrolling in any service.
This statement applies specifically to credit repair and debt settlement services, which carry state-level registration requirements. Business funding, marketing, and virtual assistant services are addressed separately below and on their respective pages.
Debt Settlement Disclosures
These disclosures are specific to debt settlement services and are provided in addition to, not instead of, the disclosure shown directly on the Debt Settlement page.
Cost and billing
Under the Telemarketing Sales Rule, we may not request or receive any fee for debt settlement services until a debt included in your program has actually been settled, altered, or otherwise resolved, and you have agreed to that resolution. You are never billed for debt settlement work in advance.
Timeline
How long a debt settlement program takes depends on the number and size of your debts, how much you are able to direct toward settlement each month, and how your individual creditors respond. We do not promise a fixed timeframe before reviewing your specific accounts.
Risk that collection activity continues
Debt settlement programs typically involve redirecting funds toward a settlement instead of continuing regular payments to some or all of your creditors. During that time, your accounts may become or remain delinquent, collection calls and letters may continue or increase, late fees and interest may continue to accrue, your credit may be negatively affected, and creditors retain the right to sue you to collect the debt at any time before or during settlement. Not every debt is guaranteed to settle.
For-profit status
Stay Free Enterprise operates debt settlement services on a for-profit basis.
Dedicated account rights and stop-payment consequences
If your program uses a dedicated account held by an independent, FDIC-insured account administrator to accumulate settlement funds, that account and the funds in it remain your property at all times. You have the right to:
- Withdraw from the debt settlement program at any time, without penalty;
- Request and receive an accounting of all funds deposited into and withdrawn from the dedicated account at any time;
- Stop payment into the dedicated account, or stop payment to any creditor, at any time.
Stopping payment has real consequences you should understand before you do it: it can halt progress toward settling the debts still in negotiation, may trigger or increase collection activity and legal action from creditors who have not yet settled, and may result in the loss of any settlement offers already negotiated in good faith on your behalf. We will walk through exactly what stopping payment would mean for your specific accounts before you enroll, and again at any point you ask.
Funding Broker Disclosure
Stay Free Enterprise acts as a business funding broker, not a lender. We do not directly extend credit, loans, cash advances, or funding of any kind to any client. Our role is to help you identify funding sources appropriate to your business's qualifications and to guide you through the application process with those sources.
We may receive compensation from a funding source if you are approved and accept funding through that source. That compensation is paid by the funding source and does not add to your cost. Approval, funding amount, terms, rate, and turnaround time are determined solely by the funding source based on its own underwriting, and are never guaranteed by Stay Free Enterprise.
We describe products using the terms funding, capital, or advance, and use the word loan only when the specific product being discussed is literally a loan. Any commercial-financing disclosures required by your state, including total cost of financing, total repayment amount, and payment schedule, are provided by the funding source at the offer stage, before you accept any funding.
Terms of Service
These terms govern your use of stayfreenterprise.com (the "site"). By using the site, booking a consultation, or submitting any form on it, you agree to these terms. They do not govern any separate signed contract for services, which controls if the two conflict.
What this site is
This site describes Stay Free Enterprise's services, credit repair, business funding, debt settlement, marketing, and virtual assistant contracting, and offers a way to book a free consultation. Nothing on this site is financial, credit, legal, or tax advice, and nothing on this site is an offer to enter into a contract for services. A services contract, if any, is entered into separately, in writing, after your consultation.
No guarantee of results
As described throughout this site and in the Master Results Disclaimer below, we do not guarantee any specific result, outcome, or timeframe from any service.
Booking and enrollment
Booking a consultation through this site is free and creates no payment obligation. No service, including credit repair or debt settlement, is sold or enrolled by phone. Enrollment, where applicable, happens through a separate, written, e-signed agreement provided after your consultation, consistent with federal law governing how these services may be sold.
Payment
Where a service is governed by CROA or the Telemarketing Sales Rule, you are billed only for work already performed, in arrears, never in advance. Marketing and virtual assistant services may carry different, transparently disclosed billing terms, confirmed with you before any work begins.
Third-party tools
Our booking calendar and client relationship tools are provided by GoHighLevel, a third-party platform. Your use of the embedded calendar is also subject to that provider's own terms. We are responsible for how we use the data it collects on our behalf, as described in our Privacy Policy below.
Intellectual property
The content, design, and branding of this site belong to Stay Free Enterprise and may not be copied or reused without permission.
Limitation of liability
To the fullest extent permitted by law, Stay Free Enterprise is not liable for indirect, incidental, or consequential damages arising from your use of this site. Nothing in this section limits any right created by CROA, the Telemarketing Sales Rule, or other consumer protection law that cannot be waived.
Changes to these terms
We may update these terms as the business or the law changes. The version posted here is the current one.
Privacy Policy
This policy explains what information we collect through this site, why we collect it, and what we do, and do not, do with it.
What we collect
When you submit a form on this site, including the Freedom Compass Intake on our booking page, we collect what you provide: your name, phone number, email address, the service you're interested in, and your answers to a small number of qualifying questions. If you book a time on our calendar, we also collect the appointment details. We also collect basic technical and usage data (such as pages visited) through standard site analytics.
How we use it
We use this information to respond to your inquiry, prepare for and conduct your consultation, follow up with you about the services you asked about, and improve this site. We do not use anything you submit to make an eligibility or enrollment decision without a real conversation with you first.
Text messages and calls (SMS / TCPA consent)
By submitting your phone number on our booking or contact forms, you consent to receive calls and text messages from Stay Free Enterprise related to your inquiry, including appointment confirmations and reminders, at the number provided, including by automated means. Message and data rates may apply. Message frequency varies. You can opt out of text messages at any time by replying STOP, or by telling us on a call. Consent to receive texts or calls is not a condition of purchasing any service.
How your information is stored and processed
We use GoHighLevel as our customer relationship management platform to store and manage inquiries, bookings, and client communication. Submitting a form or booking a consultation on this site means your information is processed through that platform on our behalf, under our direction. We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.
Data retention
We retain the information you submit for as long as reasonably necessary to respond to your inquiry, deliver services if you enroll, and meet our own legal and recordkeeping obligations, including the documentation practices required of a credit repair and debt settlement business.
Your rights
You can ask us what information we have about you, ask us to correct it, or ask us to delete it, subject to any records we're legally required to keep. Reach out using the contact information at the bottom of this page.
Children's privacy
This site is not directed at, and we do not knowingly collect information from, anyone under 18.
Changes to this policy
We may update this policy as our practices or the law change. The version posted here is the current one.
Master Results Disclaimer
Stay Free Enterprise does not guarantee any specific result, outcome, timeframe, credit score increase, deletion of any item from any credit report, loan or funding approval, funding amount, bank account approval, or debt settlement amount for any client.
Testimonials, case examples, and any client stories referenced anywhere on this site reflect one individual's own, actual, personal experience. They are not implied to be typical, and they are not a guarantee or prediction of what will happen for any other person. Individual results vary based on your specific circumstances.
Results depend in part on decisions made by third parties, including credit bureaus, furnishers, banks, funding sources, and creditors, that are outside of our control and are never promised in advance.
This disclaimer applies across the entire site, in addition to, and does not replace, the disclosure shown directly on each individual service page or the disclosures elsewhere on this legal page.
Questions About Any Of This
Ask us directly.
A dedicated legal-request email and mailing address will be published here once finalized. Until then, the fastest way to reach us about any disclosure, your data, or a cancellation is to book a consultation, or to reply to any text or email you've already received from us.