Not Credit Repair

SETTLED is not a credit repair organization and does not perform “credit repair” as defined by the Credit Repair Organizations Act (CROA) or similar state laws.

What we do

SETTLED is an education-first analysis tool. It helps you review your own records, understand what your data says, and organize the supporting evidence — surfacing factual discrepancies for your review. The analysis is informational; the decisions are entirely yours.

What we do not do

We do not promise to remove or alter accurate information, do not make guarantees about your credit score or outcomes, do not act on your behalf, and do not charge for promises of results. SETTLED simply gives you a clear, factual view of what your records say and where they disagree.

No guarantees

Results depend on your records and the responses of bureaus, furnishers, and servicers. SETTLED does not guarantee any removal, correction, approval, or outcome.