Terms of Service

Who we are

This website is operated by Top Shelf Capital, a DBA of Top Shelf Fundability LLC, a Texas limited liability company based in Fort Worth, Texas. By using this site you agree to these terms.

Information only

Content on this site is general information. It is not legal, tax, financial, or lending advice. We are not a bank, lender, credit bureau, HUD agency, or grantor.

No guarantees

We do not guarantee any credit score, score increase, removal of any item, loan approval, grant award, or dollar amount. Credit reporting, lending, and funding decisions are made by credit bureaus, furnishers, lenders, agencies, and funders — not by us.

Paid services

Using this site or sending the consult form does not create a contract, a client relationship, or any charge. Paid work is governed only by a separate written agreement that describes the services and their total cost.

Credit repair services

• Before any credit repair contract is signed, you will receive the federal “Consumer Credit File Rights Under State and Federal Law” statement and our Texas disclosure statement.
• You may cancel within 3 business days of signing, without penalty or obligation (details).
• No fee is charged or collected until the agreed credit repair services are fully performed.
• You may dispute inaccurate information with the credit bureaus yourself, for free.
• Texas Credit Services Organization registration: Registration No. 20260142 (Texas CSO notice).

Your rights are not waived

Nothing in these terms or any agreement with us waives or limits any right you have under the federal Credit Repair Organizations Act, Texas Finance Code chapter 393, or other consumer protection law. Any attempted waiver of those rights is void.

Using this site

Do not submit Social Security numbers, dates of birth, bank or card numbers, login credentials, or full credit reports through this site. Do not misuse the site or submit false information.

Links to other sites

We link to government and credit bureau websites for your convenience. We do not control those sites.

Content

Site text, logo, and design belong to Top Shelf Fundability LLC. Please do not copy them for commercial use without permission.

Governing law

Texas law governs these terms, except where federal law applies.

Changes and contact

We may update these terms by posting a new version on this page. Questions: info@topshelffundability.com or 910-978-1173.