Updated: November 12, 2026

Terms & limitations

Informational purpose

This website presents credit consulting and support services offered by SmartCapGroup LLC under the FineCredit brand. Materials are for general information and are not individualized legal, tax or investment advice. Visiting the website or sending a message does not create a service agreement. Services, pricing and terms are agreed separately.

Credit history

Consumers can dispute inaccurate or incomplete information directly with credit bureaus and the companies reporting it at no charge. FineCredit cannot guarantee item removals or changes to a credit score. Accurate, current negative information cannot be removed solely because it affects a credit profile.

Any steps discussed, including authorized-user options, are evaluated for the individual credit profile. Reporting and impact depend on the banks, bureaus and scoring model involved. Results vary.

Business funding

FineCredit is not a bank or lender. Product availability, amounts, rates, fees, documentation requirements and approval decisions are determined by the financing provider. An application does not guarantee a funding offer. Review all terms before accepting an offer.

Third-party services and affiliate links

This website may link to partner services. FineCredit may receive compensation for referrals, service enrollments or financing under an applicable partner agreement. Third-party services may charge fees and are provided under their own terms. FineCredit does not control their availability or decisions.

Free credit reports are available at AnnualCreditReport.com. You do not need to purchase monitoring to dispute errors on your own.

Content and illustrations

Visuals on this website illustrate our approach. They do not represent a specific client’s results, a credit score prediction or a promise of approval. You may not use the website’s text or design to represent yourself as FineCredit without permission.

Contact

For questions about our services or website content: [email protected].