DISCLAIMER AND LIMITATIONS for CarreonandAssociates.com

Our website offers financial education online. CarreonandAssociates.com is committed to providing our visitors with accurate truthful information and to educate them about credit and collection issues to the best of our ability while using reliable resources. This Website is offered to you, the "User," conditioned on your acceptance without modification, of the terms, conditions, and notices contained in this agreement. 

Your use of this Web site constitutes your agreement to all such terms, conditions, and notices herein. 

Other product and company names mentioned herein, including the names of participating partners and lenders, may be the trademarks of their respective owners. CarreonandAssociates receives compensation for advertising some programs. Providing their service helps to cover costs of our credit education information. 

CarreonandAssociates intends that the information contained in this Web site be accurate and reliable; however, errors sometimes occurs. In addition, changes and improvements to the information provided herein may be made by us at any time. CarreonandAssociates is the preferred source for credit rebuilding, consumer education, debt reduction & debt negotiation information gathered in one place. We are not a law firm and do not offer any legal, tax or financial advice. We aggregate resources, products and services to offer them in one central place, our site. We are not a credit repair company - we do not provide credit repair services. We are an Internet portal offering information, education and third party products. 

All articles and pages contained within this site are thought to be accurate at the time of creation, however laws change so you need to be diligent in checking your own state laws. All articles within this website are the opinions only of the author(s) and you should always use good judgement when dealing with your credit issues by doing your own research. The Federal Trade Commission offers additional resources in credit and collection issues. The FTC's official website is located at ftc.gov and offers free consumer resources.

Do not let this website replace your need for an attorney. We cannot provide you with any legal advice and we do not operate as a lawfirm or attorney group.  If you have legal questions you should always consult with an attorney.

By viewing our content you agree that we offer no personal legal or financial advice and offer no warranties of your actions based on what you may read and do with that information. Our site is for informational purposes and does not fit each person's exact case. 

By viewing our member site you agree that we offer no warranties of how you may use the information or the educational material nor do we offer any legal, tax or financial advice to any visitors of this site. You repair your credit at your own discretion and are to use the Member site as intended: for education. The Member site offers only education and articles. No credit repair is provided for anyone. We reserve the right to withdraw username and passwords or block your IP address on individuals who may abuse the membership or try to gain access after a refund has occurred.

Lifetime membership means as long as we offer the product and or remain in business online. Do not plagiarize or redistribute elsewhere. Your purchase is for one individual. You may not redistribute our material anywhere else or reproduce the material for monetary gain. Our service is offered to you, the consumer. Since we have no way of knowing if a consumer or business is purchasing our educational material, you agree to these terms by entering the member area after purchase. You may not share your membership with others. Anyone who is thought to be sharing their password and username with others will be subject to being banned from the member area.

Membership FAQ

Lifetime membership means as long as we offer the product and or remain online and you are responsible for keeping your username and password written down in a safe place. Membership will last a lifetime as long as you retain your username and password. 

Price Change

We reserve the right to modify the price for our ebook and expert service. However the price you paid at the time of purchase still holds for you. 

Attorney Services

We do not employ any lawyers or offer any legal advice, however we reserve the right to direct users to a lawyer service that we deem reputable. 


We are dedicated to protecting the privacy of our Members and visitors. We will never share or sell your information with anyone and that includes outside partners. Any communication you receive from us will be from CarreonandAssociates only. 

Trademarks, Servicemarks Et Al

In the course of discussing credit and financial related content, we may inadvertently use a term that has been service marked. If we do discover a service mark phrase has been used, it will quickly be altered or removed upon notification from the service mark owner. Any accidental use of any service marks are completely in error. This statement is necessary since common financial phrases have been known to be service marked. 

Disclosure: Featuring Google ads helps fund the cost of running the website.