Last updated September 19, 2026
Using this website
Credit Council USA provides this website to explain our nonprofit work, share educational resources, and offer a way to contact us. By using the website, you agree to these terms. If you do not agree, please discontinue use.
These terms apply to the website. Any separate agreement for an individual service will explain the scope and terms of that service.
Educational information
The Journal and other website content provide general education about credit and debt. They are not individualized legal, tax, investment, or financial advice. The relevance of information depends on your circumstances and applicable rules.
Examples are illustrative and are not promises of results. Consult a qualified professional where your situation requires individual advice, particularly if you have received court papers or face a legal deadline.
No guaranteed outcome
We do not guarantee a credit-score increase, removal of accurate credit-report information, debt reduction, creditor agreement, loan approval, rental approval, or other particular outcome.
Credit bureaus, creditors, collectors, lenders, landlords, courts, and other parties make their own decisions under the applicable circumstances. A referral does not guarantee that a professional will accept a matter or provide representation.
Contacting us
Sending a message does not enroll you in a service, create an attorney-client relationship, or authorize us to act on your behalf. Any additional arrangements must be discussed and agreed separately.
Please provide accurate contact information and only the details needed to explain your question. Do not send passwords, Social Security numbers, full account numbers, or sensitive documents through the website form.
The form is not an emergency service and does not stop or extend legal, payment, dispute, or other deadlines. Our privacy policy explains how information submitted through the website is handled.
Permitted use
You may read, save, and print website resources for your personal, noncommercial use. Please retain source acknowledgments and do not present our material as your own.
Do not misuse the website, attempt to access restricted systems, transmit harmful code, submit spam, impersonate another person, or interfere with other visitors’ use of the site.
Contact us before reproducing substantial portions of our content for publication, advertising, resale, or another commercial purpose. Third-party materials remain subject to their owners’ rights.
Sources and outside websites
We link to outside sources to help readers explore a topic or find official information. Credit Council USA does not control those sites or their services. Review their own terms and policies before providing information or taking action.
Statistics describe the source, population, and period identified with them. They should not be read as a prediction of your circumstances. Source information and external pages may change over time.
Accuracy and availability
We aim to make the website useful and accurate, but information can become outdated or contain errors. We may revise content or change website features without notice.
To the extent permitted by applicable law, the website and general educational content are provided as available, without warranties of uninterrupted availability or fitness for a particular purpose. Nothing in these terms excludes rights or protections that cannot lawfully be excluded.
Updates and questions
We may update these terms when the website or its operation changes. The revision date appears above. Continued use after an update is subject to the revised terms.
For a question about these terms, a content correction, or permission to reuse material, contact Credit Council USA.