Disclosures

Last updated: June 23, 2026

This page contains all material disclosures relevant to users of 3B Credit Builder, including our affiliate relationships, platform independence statement, and credit builder disclosure.

3B Credit Builder — Platform Independence Statement

3B Credit Builder is an independent software platform operated by Bounce Back Brian LLC. We are not owned by, affiliated with, sponsored by, or endorsed by any credit bureau, credit monitoring service, lender, or financial institution.

  • 3B Credit Builder is not affiliated with Experian, Equifax, or TransUnion.
  • 3B Credit Builder is not affiliated with MyFreeScoreNow, SmartCredit, IdentityIQ, or any other credit monitoring service.
  • 3B Credit Builder is not a credit bureau, credit repair organization, lender, financial advisor, or law firm.
  • 3B Credit Builder does not make credit decisions and does not report to credit bureaus.

Credit report providers such as MyFreeScoreNow are independent third-party companies. Use of any specific provider is not required to use 3B Credit Builder. Our platform works with supported credit report PDFs from multiple sources.

Affiliate Disclosure

3B Credit Builder participates in affiliate programs with certain credit monitoring providers. We may receive compensation when users sign up for these providers through links on our platform.

Current Affiliate Relationships:

MyFreeScoreNow

An independent credit monitoring service. We may receive compensation when users enroll through our affiliate link. MyFreeScoreNow is operated by CreditComm Services LLC and is not affiliated with 3B Credit Builder.

Additional affiliate relationships may be added as the platform expands. This page will be updated accordingly.

Our affiliate relationships do not affect our editorial independence. We recommend providers based on compatibility with our platform and user experience, not solely on compensation. You are never required to use an affiliate provider to use 3B Credit Builder — any supported credit report PDF works with our platform.

This disclosure is made in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 C.F.R. Part 255).

Credit Builder Disclosure

The following disclosures are provided to ensure you understand what 3B Credit Builder is and is not:

What 3B Credit Builder Is

  • An educational platform that helps you understand your credit report
  • An organizational tool for tracking your self-directed dispute campaign
  • A document preparation tool that generates dispute letter templates for your review
  • A tracking system for monitoring bureau responses and your dispute timeline

What 3B Credit Builder Is Not

  • Not a credit repair organization under CROA (15 U.S.C. § 1679)
  • Not a credit bureau or credit reporting agency
  • Not a lender, financial institution, or credit issuer
  • Not affiliated with Experian, Equifax, or TransUnion
  • Not a law firm and does not provide legal advice
  • Not a financial advisor and does not provide financial advice
  • Not a credit counseling agency

No Outcome Guarantees

3B Credit Builder does not guarantee: deletion of any item from your credit report; improvement in your credit score; approval for any loan, credit card, or financial product; any specific outcome from the dispute process; or any reduction in your debt balance.

The effectiveness of dispute letters depends on the accuracy of the disputed items, the response of the credit bureaus and furnishers, and your specific credit file — factors outside our control.

Your Rights Under the FCRA

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., gives you the right to:

  • Obtain a free copy of your credit report from each major bureau once every 12 months at AnnualCreditReport.com.
  • Dispute inaccurate or incomplete information in your credit report directly with credit bureaus and furnishers.
  • Have inaccurate information corrected or deleted within 30 days (or 45 days if additional information is needed).
  • Know if information in your file has been used against you.
  • Seek damages from violators of the FCRA in state or federal court.

3B Credit Builder provides organizational tools to help you exercise these rights for yourself. We do not exercise these rights on your behalf.

Communication Consent

By creating an account, you consent to receive transactional email communications from 3B Credit Builder, including:

  • Billing receipts and subscription confirmations
  • Dispute timeline reminders (30-day follow-up prompts)
  • Bureau response notifications
  • Security and account notifications

You may opt out of non-essential marketing communications at any time using the unsubscribe link in any email. Transactional emails related to your active account cannot be opted out of while your account remains active.

We do not sell your email address or use it for third-party advertising purposes.

Contact

Questions about any of these disclosures:
credit@bouncebackbrian.com
Bounce Back Brian LLC