Disclosures

Credit & Service Disclosures Last Updated: October 2, 2026 Please read these disclosures carefully before using credit-related information or services offered through Abundance Consulting Group ("Abundance"). No Guaranteed Credit Results Credit circumstances differ from person to person. Abundance does not guarantee: • A particular credit score; • A specific number of points of improvement; • Removal of any particular account or item; • Removal of accurate, current, and verifiable negative information; • Approval for a loan, credit card, mortgage, apartment, employment, or other product or opportunity; or • Results within a particular period unless expressly required or stated in an applicable written agreement. Past outcomes experienced by other consumers do not guarantee future results. Accurate Negative Information Accurate, current, and legally reportable negative information generally cannot lawfully be removed from a credit report simply because it is unfavorable. Credit-related assistance should not be understood as a promise that accurate information will be deleted. Your Right to Act on Your Own Consumers may dispute inaccurate or incomplete information appearing in their credit reports directly with consumer reporting agencies and information furnishers without hiring a credit-repair company. You may obtain information about your rights from the Federal Trade Commission and Consumer Financial Protection Bureau and may obtain credit reports through the federally authorized source, AnnualCreditReport.com. Written Credit-Repair Agreements and Consumer Rights When applicable, credit-repair services are governed by a separate written agreement and required consumer disclosures. Federal law provides specific protections for consumers dealing with organizations covered by the Credit Repair Organizations Act. These protections include written-contract and disclosure requirements and a right to cancel qualifying credit-repair contracts within the period provided by law. The website itself is not intended to replace any disclosure, cancellation notice, contract, or other document required to be provided separately to a consumer. No Legal or Financial Advice General information provided on this website is educational and informational. Abundance is not acting as your attorney, accountant, lender, financial adviser, or tax professional merely because you access this website. For advice concerning your particular legal, tax, or financial circumstances, consult an appropriately qualified professional. Third-Party Credit Monitoring and Platforms Our website may link to third-party credit-monitoring, client-portal, software, scheduling, communication, or other services. Those companies are separate service providers and may maintain their own terms, fees, privacy practices, cancellation policies, and requirements. You should review a third party's terms before purchasing or using its services. RingBellz and Tradeline Coach RingBellz and Tradeline Coach are presented as separate tools or services available through links on this website. Any displayed price, feature description, or availability should be confirmed at the applicable service before purchase. Use of those services may be subject to additional terms. Testimonials and Examples If testimonials, examples, case studies, or consumer experiences appear on this website, they describe individual experiences and should not be interpreted as a promise that another person will achieve the same or similar result. Questions For questions about our services or these disclosures, contact: Abundance Consulting Group Customer Service: customerservice@abundance-consultants.com Support: support@abundance-consultants.com Phone: 754-239-6747 Mailing address available upon request. Contact support@abundance-consultants.com or call 754-239-6747. Credit-Repair Service Agreement Credit-repair services are not established solely by visiting this website, submitting a website form, or scheduling a consultation. Before beginning credit-repair services, clients are provided a separate written service agreement during the consultation process. The agreement explains the services to be provided, applicable fees and payment terms, the client's and company's responsibilities, required consumer disclosures, cancellation rights, and other terms applicable to the credit-repair relationship. Clients are given an opportunity to review the agreement and ask questions before signing. The signed service agreement and accompanying consumer disclosures govern the credit-repair services provided to the client. Nothing on this website is intended to replace or modify the terms, notices, disclosures, or consumer rights contained in that agreement or required by applicable law.