Disclosure

Last updated: August 2026

Nature of Services

Flourafi Credit Solutions provides credit education, credit report review, administrative support, and personalized guidance. Our services are educational and administrative in nature.

We are not a law firm, and our services do not constitute legal advice. We are not a mortgage lender, and our services do not constitute mortgage lending advice. We are not debt collectors, and we do not attempt to collect debts on behalf of creditors.

No Guarantees

Flourafi does not guarantee credit score increases, specific outcomes, financing approval, mortgage approval, or the removal of accurate information. Results vary based on each client's individual credit profile, documentation, creditor and bureau responses, and client participation. Accurate and current information cannot be legally removed from a credit report.

Fair Credit Reporting Act (FCRA) Compliance

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute information in your credit reports. Flourafi provides administrative support related to incomplete, inaccurate, or unverifiable information when applicable.

Your Rights: You may dispute information directly with credit bureaus at no cost. Flourafi can provide guidance and administrative assistance with this process, but the dispute decision is made by the credit bureaus, not by Flourafi.

Credit Services Industry Practices

Flourafi operates in compliance with the Credit Repair Organizations Act (CROA) and state credit services laws. Key disclosures:

We provide education and administrative support only
Results cannot be guaranteed
You have the right to cancel within 3 days of enrollment without charges
You can dispute credit information directly with bureaus at no cost
We will not misrepresent services or results
You may request cancellation at any time

Not Legal, Tax, or Financial Advice

Flourafi does not provide legal, tax, investment, or mortgage lending advice.

If your situation involves bankruptcy, judgments, tax liens, or other legal matters, consult with a qualified attorney licensed in your state.
For tax matters, consult a licensed tax professional (CPA or enrolled agent).
For investment decisions, consult a licensed financial advisor.
For mortgage or lending questions, consult with a licensed mortgage professional.

Results May Vary

Results shared in testimonials or marketing materials are individual experiences and may not represent typical results. Your results depend on your specific situation, effort, participation, and circumstances. No two credit profiles are identical, and outcomes will vary accordingly.

Client Participation Required

Progress requires active client participation. Clients are responsible for:

Providing accurate information
Responding to communications promptly
Adhering to recommended strategies
Maintaining necessary documentation
Taking recommended actions

Flourafi cannot guarantee results for clients who do not actively participate in the process.

Affiliate and Partnership Disclosure

Flourafi partners with MyScoreIQ as our primary credit monitoring service provider. We also provide IdentityIQ as an optional alternative for clients interested in identity protection services.

Primary Partner: MyScoreIQ (Credit Monitoring Service)

Service: Credit score monitoring, access to all three credit reports (Equifax, Experian, TransUnion), credit score change alerts, and comprehensive credit analysis tools.

Compensation to Flourafi: We receive referral compensation when you enroll through our link. Your enrollment fees are set by MyScoreIQ independently and are the same whether you use our referral link or access MyScoreIQ directly.

Recommended for All Clients: We recommend MyScoreIQ as part of your Flourafi journey because monitoring your credit progress is essential to understanding the impact of your work with us.

Optional Enrollment: While we recommend it, enrollment in MyScoreIQ is optional and not required to receive Flourafi's core education and administrative services.

Optional Alternative: IdentityIQ (Identity Protection Service)

Service: Identity theft monitoring, fraud alerts, credit monitoring, and identity restoration support for clients who want comprehensive identity protection.

Compensation to Flourafi: We receive referral compensation when you enroll through our link.

For Clients Who Prefer: Some clients prefer IdentityIQ over MyScoreIQ's credit monitoring. This is entirely your choice.

Completely Optional: Enrollment in IdentityIQ is completely optional and not required for any Flourafi services.

Important Information About Our Partnerships:

Compensation May Influence Recommendations: Because Flourafi receives compensation for these referrals, this may create an incentive to recommend these partners. However, we only recommend services we genuinely believe benefit you.
Your Costs Are the Same: Whether you use our affiliate link or sign up directly, you pay the same amount. Using our link costs you nothing extra but does provide us referral compensation.
You Have Choices:
- Enroll in MyScoreIQ through our referral link (we receive compensation)
- Enroll in MyScoreIQ directly without our link (we receive no compensation)
- Enroll in IdentityIQ instead if you prefer (we receive compensation)
- Use neither service (optional for your Flourafi participation)
Partner Responsibility: MyScoreIQ and IdentityIQ are responsible for their own terms of service, privacy practices, and customer service.

Services Commencement and Billing

Immediate Service Start: Your credit education services and client portal access begin immediately upon enrollment.

3-Day Billing Grace Period: You will not be charged until Day 3 following enrollment. This provides you a grace period to cancel if you change your mind.

Cancellation Before Charges: If you cancel within 3 days of enrollment, before charges are processed, you will not be billed.

How to Cancel: Contact Support@flourafi.com or (302) 303-8146 (Monday-Friday, 9am-7pm EST) to cancel before the charge is applied.

Cancellation and Refund Policy

30-Day Satisfaction Guarantee: If you are not satisfied within 30 days of enrollment, contact us to request a refund.

Refund Eligibility:

Refunds are available for cancellations made within 30 days of your enrollment date
Refund eligibility and specific terms are outlined in your service agreement
Please refer to your enrollment documentation for specific details

How to Request a Refund: Contact Support@flourafi.com or (302) 303-8146 and specify that you wish to cancel and request a refund.

Governing Law and State-Specific Compliance

These disclosures are governed by the laws of Delaware and comply with the Credit Repair Organizations Act (CROA) and applicable state credit services laws.

Your State May Provide Additional Protections:

California: Residents may have additional rights under the California Credit Services Organization Act (CSOA)
New York: Residents may have additional protections under General Business Law Article 14-D
Illinois: Residents may have rights under the Credit Services Organization Act
Other States: Many states have specific credit repair licensing, bonding, or disclosure requirements

For State-Specific Disclosures: If you reside in any state with specific credit services laws or licensing requirements, please contact us at Support@flourafi.com and specify your state. We will provide you with state-specific disclosures and your additional rights.

Contact Information

If you have questions about this disclosure, our services, or your rights, please contact us:

Email: Support@flourafi.com
Phone: (302) 303-8146
Hours: Monday-Friday, 9am-7pm EST
Mailing Address: 254 Chapman Road, Newark, Delaware 19702