With these reports, I can:
Identify underwriting red flags that could block approvals
Spot fraud or risk factors hidden in your profile
Give you a clearer roadmap to funding
Without these reports, I can still provide strategic guidance, but I won’t be able to review the detailed factors lenders use in underwriting.
Optional Prep (links to get your reports):
myFICO 3B Report: If you don’t already have one, no problem—I’ll send instructions after booking.
This agreement outlines how we’ll work together and ensures we’re aligned. By booking a session, you confirm your understanding and acceptance of the terms below.
1. Educational, Strategic Guidance
Skuld House provides credit education and funding strategy. While I bring real-world experience and proven methods, I am not a licensed attorney, financial advisor, credit repair organization, or tax professional. Sessions and programs are for educational and strategic purposes. They should not be considered a substitute for licensed professional advice.
2. Ownership of Results
I’m committed to helping you make informed, strategic moves. Outcomes depend on many factors outside of my control, including lender decisions and your personal financial behavior. No guarantees can be made, and you are responsible for how you choose to use the information and recommendations provided.
3. Confidentiality & Data
You may choose to share personal or financial information during our work together. I treat this information with respect and do not record or share anything discussed without your permission. Some platforms involve third-party tools such as Zoom or email, and you accept the inherent risks of using those platforms.
4. Scope of Engagement
This agreement applies to all Skuld House services you select, including single sessions, multi-session packages, ongoing advisory programs, and email support. For ongoing services, the agreement continues for the duration of your active engagement.
5. Term and Payment
Ongoing services such as monthly advisory programs continue on a month-to-month basis or for a fixed term as described in your selected package. Payments are non-refundable once services begin, except as required by law. You may cancel a recurring service by providing written notice before your next billing date to avoid future charges.
6. Limitation of Liability
Skuld House provides educational and strategic consulting. All lending decisions remain between you and your chosen financial institutions. Skuld House is not liable for credit outcomes, funding decisions, account actions, or indirect or consequential damages.
7. Entire Agreement
This document represents the full understanding between you and Skuld House for your selected service. Any future service upgrades or separate engagements will be agreed to in writing.
By signing below, you acknowledge that you’ve read and agree to these terms.