Important credit disclaimer.

No Guaranteed Results

Northgate Credit Group does not guarantee credit score increases, credit approvals, account removals, deletion of negative items, or any specific outcome.

Accurate Information

Accurate and current negative information generally cannot be legally removed from a credit report simply because a customer wants it removed.

Customer Review Required

Dispute letter drafts are provided for customer review. Customers should only dispute information they believe is inaccurate, outdated, incomplete, or unverifiable.

Educational & Document Preparation Support

Northgate tools are designed to help customers understand credit report information and prepare document drafts. Northgate is not a lender and does not make approval decisions.

Privacy Notice

Credit reports contain sensitive information. Northgate should use secure upload, private storage, limited access, and a clear document deletion policy.

DIY Rights

Consumers have the right to dispute inaccurate information on their own at little or no cost.