Credit Repair Disclaimer

Last Updated: January 2026

Educational and Administrative Services Only

The McCullough Group, doing business as Budget Bae (“Company,” “we,” “us,” or “our”), provides educational information, document preparation assistance, and administrative support services related to personal finance and credit awareness.

We do not provide legal advice, financial advice, or tax advice. Nothing on this website, in our programs, or in our communications should be construed as such.

No Guarantees or Promises of Results

You acknowledge and agree that:

  • No specific credit score increase is promised or guaranteed
  • No negative items are guaranteed to be removed
  • Results vary based on individual credit profiles, creditor responses, reporting practices, and consumer participation

Any examples, testimonials, or illustrations are for informational purposes only and do not guarantee similar outcomes.

Client Responsibility and Participation

Successful outcomes, where applicable, depend in part on your:

  • Accuracy and completeness of information provided
  • Timely participation and responsiveness
  • Compliance with instructions and recommendations
  • Ongoing financial behavior

You remain solely responsible for all financial decisions and actions taken.

Consumer Rights Disclosure

You have the right to:

  • Dispute inaccurate or incomplete information on your credit report at no cost by contacting credit reporting agencies directly
  • Obtain a free copy of your credit report annually from each major credit bureau

Our services are optional and not required to exercise these rights.

No Affiliation with Credit Bureaus or Lenders

Budget Bae is not affiliated with, endorsed by, or sponsored by any credit reporting agency, creditor, lender, financial institution, or government agency.

All trademarks and brand names belong to their respective owners.

No Legal Representation

Budget Bae does not act as your attorney, credit bureau, creditor, or financial institution. We do not provide representation in legal proceedings, negotiations, or disputes.

Regulatory Compliance

Services are provided in accordance with applicable federal and state consumer protection laws. Nothing herein is intended to waive or limit any consumer rights provided by law.

Acceptance of Disclaimer

By using this website or purchasing services or digital products, you acknowledge that you have read, understood, and agreed to this Credit Repair Disclaimer in full.