The Best Credit Repair Companies to Use for Repairing Scores - South Whidbey Record

Now let’s get your finances taken care of! Your credit score has a significant impact on almost every part of your life. Low-credit-score individuals will spend thousands extra each year on vehicle insurance, loan payments, and mortgage prices. A poor credit score may even prohibit you from obtaining employment.

There are, fortunately, ways to improve a poor credit score. Every year, consumers use reliable credit repair businesses to enhance their credit scores. Hundreds of points may improve your credit score with the help of a professional credit repair agency.

Every credit repair company promises to be able to improve a poor credit score. Not all credit repair services, however, live up to this expectation. Some companies will genuinely enhance your credit score for a reasonable cost.

Which credit repair service is the most effective? What credit repair firm should you choose? We put the most well-known credit repair services to the test and graded them. Here’s what we discovered.

The Best Credit Repair Services in 2021

We selected the top credit repair services accessible after evaluating and researching numerous credit repair services, assuming you’re an average individual looking to enhance your credit score. Here are our picks for the top credit repair services on the market right now:

Credit Karma
Leap Credit
The Credit Watcher
Credit Monkey
MyFICO
Lexington Law
CreditRepair.com
CuraDebt
FreeScore360
The Credit People
Sky Blue Credit
Credit Saint
TransUnion
Credit Sesame

Let’s have a look at the top-rated credit score repair businesses to discover which are the most outstanding services to attempt for genuine assistance and support.

Leap Credit

Leap Credit, which is found at LeapCredit.com, makes it simple for people of all credit levels to receive the money they need as soon as possible. For customers with various types of credit, the firm offers a simple application procedure, quick approval, and other benefits.

You should be eligible to receive a loan from Leap Credit provided you have a verifiable source of income, an open bank account, and are a US citizen of at least 18 years old. Within two business days, the corporation will deposit funds into your account.

The Credit Watcher

The Credit Watcher, which can be found at TheCreditWatcher.com, allows you to have quick access to your three credit ratings from the three major credit agencies. You’ll receive your three credit reports by safe online delivery right away, and you’ll be able to access your credit scores and reports daily after that.

Like Credit Karma and Credit Sesame, the Credit Watcher is best used as a monitoring and reporting service. It isn’t a full-fledged credit repair firm. On the other hand, the firm can provide you with the information you need about your credit, allowing you to follow your progress over time and prevent making mistakes.

The Credit Watcher’s main flaw is its cost: for $39.90 per month, it delivers identical information to the free credit monitoring programs mentioned above. You won’t get the exact tailored offers as you would with Credit Sesame or Credit Karma, but you will pay a premium to prevent having your information auctioned.

Credit Monkey

CreditMonkey.com is a credit restoration business that is accessed online. The service is accessible in all 50 states and costs $99 to $499 per month. By eliminating erroneous data, Credit Monkey claims to enhance your credit score significantly.

Eighty-nine percent of credit reports, according to Credit Monkey, include inaccuracies or significant problems. These mistakes might be as basic as questions. Bankruptcies, collections difficulties, charge-offs, and late payments, for example, can all negatively impact your credit score.

Credit Monkey has six different options to choose from. The more you pay, the more entries from your credit record you may delete. For example, the basic $99 monthly package will erase up to five bad things from your record.

At $499 a month, the most expensive plan includes five active credit cards, a $10,000 credit line, and the removal of an infinite number of public records, negative things, and queries, among other benefits.

MyFICO

MyFICO is FICO’s official consumer branch, an analytics firm that maintains your credit score using information from all three credit agencies. For $29.95 (for Advanced) or $39.95 per month, MyFICO offers a subscription service (for Premier). Both memberships allow you to keep track of your credit score in real-time, making it simple to spot mistakes and incorrect data.

MyFICO promotes its credit restoration and monitoring services as all-in-one packages. Instead of obtaining information from one or two credit bureaus, you get information from all three. Your lenders are already utilizing your FICO score, so be sure you understand how it works. FICO scores are used by 90% of major lenders to determine rates. Thus MyFICO can help you keep track of the crucial statistics and increase your credit score.

You get comprehensive three-bureau coverage, $1 million in identity theft protection, 24/7 identity restoration assistance, and ongoing monitoring of your score, credit report, and identity with MyFICO’s subscription services. The sole difference between the Advanced and Premier programs is that the Advanced plan provides updates every three months, while the Premier plan provides updates monthly.

Lexington Law

Lexington Law, which can be reached online at LexingtonLaw.com, offers a reliable credit restoration service backed by a reputable law company. Credit restoration doesn’t happen overnight: it requires time, effort, and legal knowledge. Lexington Law puts this knowledge to work for you, assisting you in repairing your credit score.

Lexington Law begins by looking into and analyzing your credit score. The company examines your credit record to discover which wrong entries are incorrectly lowering your credit score. The business challenges and contests each item, requesting confirmation from the credit agencies and creditors proving the negative items are accurate and fair. They must lawfully delete them if they are unable to verify this information. Finally, Lexington Law oversees and analyses your credit score throughout time, addressing new problems as they arise.

On this list, Lexington Law is also one of the most experienced credit repair websites. Since its inception in 2004, the firm has helped consumers remove over 70 million items from their credit reports. Lexington Law continues to be one of the most excellent alternatives available, with more than two decades of expertise restoring credit scores for consumers.

CreditRepair.com

CreditRepair.com offers numerous free advantages that we don’t find with other companies on our list, including a free credit score and summary, a free negative item review, and a free credit improvement plan. You may then proceed with CreditRepair.com’s comprehensive credit repair services after getting all of this free information.

CreditRepair.com is comparable to the other top-rated companies on this list in terms of how it operates. The firm examines your credit report for errors and confronts credit bureaus and lenders to verify the integrity of the information. Bureaus are required by law to delete any entries that they cannot substantiate. CreditRepair.com may be able to improve your credit score using this approach dramatically.

Since 2012, CreditRepair.com has assisted with over 1.8 million deletions. The platform has provided over 19 million challenges and disputes since its inception. In addition, they sent over one million interventions in 2019. CreditRepair.com is one of the top-rated credit repair services accessible today for all of these reasons and more.

It’s also one of the few on this list that offers a variety of price alternatives, such as aggressive, moderate, and essential programs, depending on how much you want to raise your credit score.

CuraDebt

Since the year 2000, CuraDebt has given debt relief to people all across the United States. Credit cards, medical bills, tax debt, and other unsecured debt are still addressed by the firm today.

Before buying anything from CuraDebt, you may get free savings to estimate how much money you can save. CuraDebt is a top-rated debt relief firm that has serviced over 200,000 clients over the last 20 years and might help you get out of debt when you need it most. CuraDebt’s staff has over 100 years of total tax debt settlement expertise, emphasizing tax resolutions, audit defense, complicated remedies, partial payment arrangements, and non-collectible resolutions.

Reduced debt is one of the most effective methods to enhance your credit score. CuraDebt, a debt relief firm, may help you lower the amount of money you owe, allowing you to improve your credit score swiftly.

FreeScore360

For a monthly subscription cost of $29.95, FreeScore360 delivers credit ratings from all three bureaus. You receive a seven-day free trial, which allows you to acquire your credit scores for free right now. FreeScore360 then costs you $29.95 a month on the seventh day, and the firm continues to charge you $29.95 per month for continuous monitoring until you cancel.

Your membership includes the ScoreSense system from FreeScore360, which offers daily credit monitoring and notifications. In addition, there is an interactive learning center where you can learn more about your credit score and how it works.

Overall, FreeScore360 provides identical credit monitoring and reporting to the other credit repair services listed above, but it lacks the reputation of the other top-ranked companies despite charging comparable prices. It may, however, be the most excellent option for people who wish to check their credit ratings swiftly without breaking the money.

The Credit People

The Credit People believes that after utilizing their service, the typical customer’s credit score will improve by 53 to 187 points. Consumer Affairs and other major review websites have given the firm high marks. To date, The Credit People has helped consumers resolve over 1.4 million credit difficulties. After utilizing the service, the firm says that 78 percent of its users were accepted for car loans, 71 percent for house loans, and 81 percent for new credit, among other benefits.

The Credit People, which can be found online at TheCreditPeople.com, offers you instant access to all three credit reports and credit scores. The Credit People then guarantees results in less than 60 days by taking precise actions to enhance your credit score.

Even though The Credit People appears to be a new business, the website has been around for 15 years. The Credit People is one of the best credit restoration businesses available today, with services starting at just $19. The firm also provides repair services in addition to the monitoring mentioned above services.

Sky Blue Credit

Sky Blue Credit is a credit restoration service that costs $79 per month and comes with a free six-day trial. All purchases are backed by a 90-day money-back guarantee, which we don’t often see with other credit repair firms.

Sky Blue Credit has been providing credit restoration services since 1989, making them one of the most experienced companies on this list. Another benefit is that the firm recognizes credit concerns that other companies overlook, potentially improving your credit score faster than any other supplier on our list.

Professional analysis, faster dispute resolution (15 items every 35 days), bespoke disputes customized to your circumstances, and state law study for each debt collection problem is just a few of the benefits of Sky Blue Credit. With meaningful challenges and practical credit score improvements, Sky Blue Credit is the top-ranked credit restoration firm on our list.

Credit Saint

Credit Saint, which can be accessed at CreditSaint.com, is a credit repair business that claims to be the best at disputing false credit information. Credit Saint offers a free consultation upfront, making it simple to understand how the organization operates and how they may assist you.

Credit Saint is one of the numerous businesses on this list that offers a 90-day money-back guarantee. You have 90 days to seek a full refund on your purchase. If you’re not happy with the results of Credit Saint or how it boosted your credit score, you may get a full refund.

Credit Saint’s private dashboard, instructional resources, and overall experience also receive high reviews. The firm makes improving your credit score quick, simple, and effective. Beyond its premium credit repair service, Credit Saint also offers free services, such as a free credit examination for individuals interested in dipping their toes into the realm of credit restoration.

TransUnion

One of the three major credit bureaus in the United States is TransUnion (along with Experian and Equifax). TransUnion provides credit restoration and other credit-related services. TransUnion is a for-profit company that maintains your credit score and provides subscription services to assist you in tracking and improving your credit score over time.

TransUnion has several resources that might assist you in improving your credit score. You may receive features like CreditCompass and Credit Lock Plus by subscribing to TransUnion’s subscription services for $25 per month. CreditCompass advises helping you improve your credit score.

Credit Lock Plus, on the other hand, allows you to safeguard your TransUnion and Equifax reports in just a few clicks, preventing you from additional harm if your information is stolen.

Credit Sesame

Credit Sesame makes it easy to find, understand, and use your credit score. It’s also one of the few companies on this list that has an excellent mobile app. The Credit Sesame mobile app for Android and iOS makes it simple to maintain and repair your credit score on the move.

Credit’s foundation, the personal credit management (PCM) platform, is at the heart of Sesame’s app. You may monitor and examine all credit-related concerns through this platform. You may receive a free copy of your credit score and a copy of your credit report at any time and learn more about what your credit score signifies.

Credit Sesame’s most significant feature is that it is entirely free. Credit Sesame is free to use, unlike the majority of the other companies on our list who demand a fee to see your credit report. The firm makes tailored offers based on your credit history, allowing you to use your credit for various purposes. Credit Sesame gets a share if you take advantage of those offerings. Aside from that, the software is entirely free.

Credit Karma

One of the most well-known credit restoration businesses accessible today is Credit Karma. The firm provides a wide range of credit restoration and other credit-related services and products. You can now join a community of over 100 million people who use Credit Karma to improve your financial situation by downloading the free Credit Karma app.

Credit Karma, like Credit Sesame, is an entirely free service. In return for utilizing that information to provide you with offers, the firm gives you free access to your credit score and report. Credit Karma shows offers for credit cards, loans, accounts, savings accounts, vehicle finance, mortgages, and other financial products. You are not obligated to take advantage of these options, and the software is legitimate free to use.

How We Ranked The Best Credit Repair Services

All credit repair businesses claim to be able to raise your credit score utilizing tried-and-true procedures. However, not all companies live up to their name. We used the following criteria to distinguish between the best and worst credit restoration services:

Monitoring vs. Repairs

Some credit organizations place a premium on monitoring. Others will take particular steps to help you improve your credit score. It’s difficult for people who are unfamiliar with credit repair services to understand how each firm operates. Instead of simple credit monitoring, we selected credit firms that offered essential credit restoration services.

Improvement in Credit Score

You’re trying to enhance your credit score by hiring a credit repair agency. The number of points by which credit score businesses increased credit ratings on average was the most crucial factor we examined when evaluating them. Hundreds of points may improve your credit score with the help of a good credit repair company.

Pricing & Value

Some people have the financial means to pay thousands of dollars to improve their credit score. Most individuals, on the other hand, would like to spend less. In determining our rankings, we looked at the price and value of each service.

Transparency and Honesty

Some credit repair businesses make big claims that they can’t keep. They make claims like improving your credit score by hundreds of points in weeks, which few firms can match. We liked credit repair businesses that were open and honest about their advantages.

Credit Score Increases Estimated Accurately

The top credit repair businesses keep track of the average number of points that their customers’ credit scores increased by. For example, based on the middle rise from past clients, TheCreditPeople.com estimates a credit score improvement of 53 to 187 points.

Methods of Credit Repair

The majority of credit repair firms work by disputing erroneous information on your credit report. This is a simple procedure that anybody may perform by just calling the three main credit bureaus. The finest credit repair businesses, on the other hand, go above and beyond merely correcting inaccurate information from your credit report. Credit agencies are challenged to prove each item on your credit report.

User Dashboard, Interface, and Overall Convenience

Some credit restoration firms include a user dashboard that makes managing and monitoring your credit score simple. We ranked firms based on their entire customer experience, with a preference for those that invested in providing a better customer experience for individuals looking to enhance their credit score.

The Promise of Satisfaction & Refund Policy

Credit repair firms seldom guarantee credit score increases. On the other hand, reputable credit repair firms back up their claims with money-back guarantees and further assurances of satisfaction. For example, customers unhappy with their results might get a 90-day money-back guarantee from Credit Saint.

Expertise & Reputation of the Company

Credit repair firms such as Lexington Law have over 20 years of experience restoring credit scores online. Other startups have just been around for a few years and have little experience. In determining our rankings, we looked at the company’s history and general reputation.

Top 10 Surprising Benefits of Repairing your Credit Score

Repairing your credit score may alter your life.

It is simpler to rent a property and obtain a mortgage with a strong credit score. It has the potential to improve your career prospects and save tens of thousands of dollars on your vehicle and house insurance policies. It could even make finding a mate simpler!

The top 10 most essential advantages of fixing your credit score, including the advantages of having a good credit score, are listed below.

Marry the Person of Your Dreams

According to Market Watch, 58 percent of Americans would not marry someone who has a lot of debt. Some people even go so far as to do a credit check on someone before committing to a relationship! A poor credit score might be a warning sign. Even if everything else feels perfect, it might prohibit you from marrying the person of your dreams. Don’t let bad credit get in between you and the love of your life.

Get Cheaper Auto Insurance

The typical full-coverage vehicle insurance policy in the United States is $1,450 per year. Meanwhile, the average American with terrible credit pays more than $2,100 each year. You might pay $1,000 more per year than the typical American if you have a poor credit score. Insurance firms can utilize your credit score by law in virtually every state (excluding California, Massachusetts, and Hawaii). Insurers charge considerably higher premiums to drivers with poor credit scores because they are statistically riskier to insure. Over the following several years, lowering your credit score may save you hundreds of dollars in insurance rates.

Better Credit Cards and Greater Limitations

As your credit score improves, you’ll be able to apply for new credit cards with higher limits. A strong credit score indicates that you are capable of repaying your debts. This suggests that businesses are interested in lending you money. You may have a credit card with a $25,000 limit, yearly perks, and other benefits instead of a credit card with a $2,500 limit. Credit repair opens the door to new credit cards and greater possibilities. For example, some of the most accepted credit cards provide 4% cashback on petrol and groceries to those with solid credit.

Mortgage Rates are Lower, and Approval is Easier

Getting a mortgage is difficult for anybody, but it’s more difficult for those with poor credit. It may be tough to acquire a mortgage if you have a poor credit score. Even if you receive a loan, you may end up paying substantially higher interest rates than the typical American, perhaps adding tens of thousands of dollars to the overall cost of your mortgage. Improving your credit score by even 20 to 50 points can save you thousands of dollars on your mortgage. Get easier approval when renting a home: If you rent, you’re probably used to your credit score being checked. Many landlords and property management firms require a credit report. If you have a poor credit score, you may find it challenging to find a safe and inexpensive rental. When all other criteria are equal, landlords and property management firms will always go with the applicant who has the most experience.

Have Superior Bargaining Power

You have no negotiating power if you have a poor credit score, and you must accept the interest rates offered by lenders. Lenders are not negotiable. They are well aware that you have a few other alternatives. The fact that you have less negotiating power can have an impact on every financial decision you make. Your negotiation power increases as your credit score rises.

Get Better Cell Phone Prices

Well-qualified lenders get better cell phone rates from cell phone carriers. If you have a high credit score, you may be able to acquire a mobile phone on contract without having to pay a security deposit, allowing you to receive a better phone at a lower price than you would otherwise. On the other hand, people with weak credit are compelled to purchase prepaid phones or pay-as-you-go plans with subpar rates.

Utilities with no security deposit

Utilities with a poor credit score require a security deposit. Utility providers demand a security deposit to cover late payments since they know you may have trouble making payments. Security deposits for utilities can range from $100 to $300. You may prevent the requirement for security deposits by raising your credit score, providing you with more money.

Pay Less for Homeowners Insurance

Homeowners’ insurance may cost hundreds of dollars every year. You may spend nearly twice as much for homeowners’ insurance if you have terrible credit. Homeowners with a poor credit rating are more challenging to insure. Insurers feel you are more likely to conduct insurance fraud or skip payments, so they charge you a higher premium.

Walking With More Confidence

Having a higher credit score demonstrates that you are a responsible adult. It proves to you and everyone around you that you have control over your financial destiny. A strong credit score might make you feel proud. Even if you don’t tell anyone about your credit score, it might help you feel more confident.

FAQs About Credit Repair Companies

Credit repair services can be confusing. Most people aren’t credit repair experts. Here are some questions people frequently ask about credit scores, credit reports, and credit repair services.

Q: What is credit?

A: Credit refers to receiving money, a good, or a service today in exchange for an agreement to pay for it in the future – typically with added interest.

Q: What is a credit score?

A: A credit score is a three-digit number between 300 and 850. The number is a rating of how trustworthy you are as a lender. Your credit score is based on debts you have previously paid, the amount of credit you have used, the number of inquiries you make, and many other factors.

Q: How do lenders use my credit score?

A: Lenders check your credit score to calculate your risk. If you have a higher risk of missing payments or defaulting on your loan, the lender will charge higher rates. The higher your credit score is, the better your lending rates will be.

Q: What is a good credit score?

A: Generally, experts consider anything above 670 to be a good credit score.

Q: What is a bad credit score?

A: Experts consider anything below 670 to be a poor or fair credit score.

Q: What lowers my credit score?

A: Several things can lower your credit score quickly, including late payments on bills, bankruptcies, and foreclosures, applying for too many credit accounts, carrying high balances on your credit cards, and ignoring negative items on your report.

Q: How long do things remain on my credit report?

A: Items remain on your credit report for seven to 10 years, depending on the item and the bureau. Things like bankruptcies and missed payments could lower your credit score for seven to 10 years.

Q: Why do I have multiple credit scores?

A: You have three credit scores, one from each of the three major bureaus. Credit bureaus track your credit score slightly differently, and credit bureaus may have different records for each consumer. Generally, however, your three credit scores will be close in number.

Q: What’s the lowest possible credit score?

A: The lowest possible credit score is 300, which is the worst rating available.

Q: What’s the best possible credit score?

A: The best possible credit score is 850, the highest a credit score can go.

Q: Who tracks my credit score?

A: The three main credit bureaus track your credit score, including Equifax, Experian, and TransUnion.

Q: How do people check my credit score?

A: When someone (like a lender, a property management firm, or an insurer) checks your credit score, they contact one of the three main credit bureaus and pull your report.

Q: What is a credit bureau?

A: A credit bureau is a private company that tracks each person’s worthiness as a borrower. Credit bureaus track missed payments, total credit usage, and other factors to determine your worthiness as a lender.

Q: What’s the difference between a credit score and a credit report?

A: A credit score is a three-digit number showing your worthiness as a borrower. A credit report is a list of the items affecting your credit score, including records of any missed bills, bankruptcies, and similar issues.

Q: What is a FICO score?

A: Your FICO score is a three-digit number created by a private company called FICO. FICO doesn’t track your credit information themselves; instead, they aggregate your credit score across all three bureaus. 90% of top lenders use FICO to assess your risk.

Q: How is a FICO score calculated?

A: Your FICO score consists of your payment history (35%), amounts owed (30%), length of credit history (15%), credit mix (10%), and new credit (10%).

Q: How do I get a good credit score?

A: The best way to get a good credit score is to pay your accounts on time, keep your credit card balances low, use multiple types of credit, and avoid carrying too much debt.

Q: How do I repair my credit?

A: The best way to repair your credit is to remove erroneous entries. Almost all credit reports contain at least one error. By eliminating these errors, you could significantly improve your credit score.

Q: How do credit repair companies work?

A: Credit repair companies check your credit report for erroneous entries, then remove those entries. Many credit repair companies also challenge entries on your credit report, forcing lenders and bureaus to prove each entry. By law, lenders and bureaus must confirm each entry on your credit report – or remove that entry.

Q: What’s on my credit report?

A: Your credit report includes things like credit limits, account names, tradelines, identifying information, credit history, credit inquiries, public records, collections, late payment records, and your credit score.

Q: Can a credit score affect employment?

A: Yes, credit scores can impact employment. According to federal law, employers can use a version of your credit report for hiring and promotion purposes. If you have a bad credit score, it could reduce your chances of getting a job or being promoted.

Q: How high should my credit score be to buy a home?

A: To become a homeowner, most experts recommend having a credit score of at least 620, the minimum approval score for a home loan from most lenders.

Q: How high should my credit score be to buy a car?

A: To obtain a car loan, your credit score should be at least 550 or above, although some lenders will approve car loans for scores as low as 500, although you may pay significantly higher interest rates.

Q: How do I get a free credit report?

A: By law, each of the three major credit bureaus must provide you with a free credit report once every 12 months. You can obtain a free credit report from these providers through annualcreditreport.com or by calling 1-877-322-8228.

Q: What is credit repair?

A: Credit repair is the process of removing or addressing negative items on your credit report, thereby improving your credit score.

Q: Are credit repair services legit?

A: Yes, there are plenty of legitimate, well-established providers in the credit repair space, including companies with a proven reputation for repairing credit scores and removing erroneous entries for clients.

Q: How long does it take to repair my credit?

A: It can take anywhere from a few weeks to a year to repair your credit. Everybody’s credit situation is different. According to CreditRepair.com, members see an average increase of 40 points in four months.

Q: How much does credit repair cost?

A: Credit repair costs anywhere from $0 to thousands of dollars, depending on your credit repair company. For example, a law firm could charge $1,000 or more to repair your credit, while other providers charge nothing, making money from advertisements and promotional offers instead.

Q: Can I repair my own credit?

A: Yes, you can repair your own credit by contacting the credit bureaus and lenders to address any inconsistencies. Start by requesting a copy of your credit report. Then, contact lenders or credit bureaus to remove any erroneous entries.

Q: Do student loans hurt my credit score?

A: Yes, student loans (and any type of loan) hurt your credit score. However, paying back your student loan on time can benefit your credit score.

The Best Credit Repair Services in 2021 Conclusion

Hundreds of millions of people in the United States have mistaken their credit reports. A poor credit score influences many aspects of your life. It makes it more difficult to rent a home, find work, apply for a mortgage, acquire a vehicle loan, and purchase insurance.

You can put your financial past behind you and start improving your financial future by fixing your credit score. A reputable credit repair business will target and restore your credit score in various ways using established techniques.

This list of the top credit score restoration firms will be updated when new research becomes available, and user input on how to improve your credit score rapidly becomes available. Outside of this post, be sure to do your homework, but be willing to give one or two of these best credit repair programs a go at helping you filter out the old and bring in the new when it comes to professionally erasing blemishes and dents. The process of generating this list took dozens of hours in total. This list is one of the most up-to-date credit repair company guides in 2021, thanks to hours of research and a deep dive into each firm, as well as weeding out who are the top credit score boosting services based on a variety of factors listed above. Almost everyone may strive to improve and repair their credit, regardless of how good or bad it is now.

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Disclaimer:

Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.

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