Terms of use

These terms apply to your use of stephanyalvarado.com (the "site"), which is run by Marketing Solutions LLC ("we," "us") for Stephany Alvarado. By using the site, you agree to them. If you don't agree, please don't use the site.

Education only

Everything on this site, including the videos, letter templates and examples, is for general education. It isn't legal, financial or credit advice, and we aren't a law firm. Consider talking with a qualified professional about your own situation.

Results vary from person to person. We don't promise or guarantee any particular result, such as removing an item from your credit report or reaching a certain credit score.

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus yourself, at no cost.

Letter templates and tools

Templates and other materials we provide are for your personal use. You're responsible for reviewing anything before you send it, making sure it's accurate and true, and for what you choose to mail.

Signing up

When you sign up, you agree to give accurate information and to receive emails from Stephany Alvarado about credit education and related offers. You can unsubscribe at any time. Texts are sent only if you opt in, and you can reply STOP at any time. Our privacy policy explains how we handle your information.

Other sites and paid services

After you sign up, or when you click a link, you may go to another website, an online community or a social media platform. Those sites have their own terms and privacy policies, and we aren't responsible for them. Any paid program or service has its own terms, which you'll see before you buy.

Using the site

Please don't misuse the site. That includes trying to break or overload it, using automated tools to collect information from it, or submitting someone else's information without their permission.

Our content

The site's text, videos, images and templates belong to us or are used with permission. You may use them for your own personal use, but not copy, sell or share them commercially without our written permission.

No warranties

The site and everything on it are provided "as is" and "as available," without warranties of any kind, to the fullest extent the law allows.

Limitation of liability

To the fullest extent the law allows, we aren't liable for any indirect, incidental or consequential damages arising from your use of the site or anything on it. Our total liability for any claim related to the site is limited to $100.

Governing law

These terms are governed by the laws of the State of Utah. Any dispute will be handled in the state or federal courts located in Salt Lake County, Utah.

Changes to these terms

We may update these terms from time to time. The date at the top shows the latest version. If you keep using the site after a change, the updated terms apply.

Contact us

Questions about these terms? Reply to any email you've received from Stephany Alvarado, or write to us at: