Income & Results Disclaimer

No guarantees

Rise Over Debt makes no representation, guarantee, or warranty that you will achieve any particular credit score, income level, savings amount, or financial outcome from using our materials. Everything we sell is educational. The results you see will depend on factors that are personal to you and outside of our control.

Credit score outcomes are individual

Credit scores move for a long list of reasons. The same lesson, the same template, and the same effort will produce different results for different people because every credit file is different. Among the factors that affect your outcomes:

• Your starting credit score and current credit report.
• The accuracy of the information already reported by bureaus, creditors, and collectors.
• How long you have had credit and how many accounts are open.
• Your payment history, including any past delinquencies, charge-offs, or bankruptcies.
• Your current credit utilization across all revolving accounts.
• Whether disputes you submit are upheld by bureaus or creditors.
• Behavior changes you do or do not make after taking the course.
• Time. Credit reporting is not instant; meaningful changes generally take months.
• External factors — new credit pulls, life events, lender decisions — that we have no visibility into.

Anyone promising you a specific number of points in a specific timeframe is either misinformed or misleading you. We will not do that here.

No income or earnings promise

We do not sell a business opportunity, an income stream, or an investment product. Nothing on this site, in our courses, in our emails, or in any communication from us is a promise or projection of income, profit, or financial gain. Better credit can lower the cost of borrowing, but it is not the same as making more money, and we do not represent it that way.

Testimonials and examples

Any results, stories, or screenshots shared on this site, in our marketing, or in our courses are examples from individual users and reflect their experiences. They are not typical results, and they are not promises of what you will experience. We do not represent that all or even most users achieve similar outcomes, and we have no way of verifying every variable that produced any particular result.

Educational only — not professional advice

Our materials are general education. They are not legal advice, tax advice, investment advice, or personalized financial planning. If you need personalized advice about your specific situation, consult an attorney, CPA, financial planner, or another licensed professional. Decisions you make based on our materials are your own.

CROA note

Rise Over Debt is not a credit repair organization as defined by the Credit Repair Organizations Act. The lack of outcome guarantees here is not a hedge — we genuinely cannot and will not promise credit score changes, and CROA prohibits anyone from doing so anyway. See our CROA Disclosure for the full statement.

Questions

Anything not covered here: email info@riseoverdebt.com.