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© 2016 Credit On Point. All rights reserved. Credit On Point does not offer legal advice. If you need legal advice seek yourself an attorney or counsel. Please be advised, any information we share with you is for educational, informational and entertainment purposes only. Anything you do with the informationin our eBook or academy is solely on you and we are NOT responsible for any actions you take from here on forward. We help consumers improve their credit score. Results may vary per individual.