Service Limitations
Credit Score Impact – preliminary quotes don’t require inquiry, but applications cause hard pulls and possible temporary score reduction.
Personal Guarantees – all products require a personal guarantee and repayment responsibility.
Credit Line vs Credit Card – card is primary, but accessing cash has risks.
Financial Prudence – only take on debt that aligns with capacity and goals; plan repayment.
Prohibited Uses – services not for use in coaching programs, crypto, illegal activity.
Practices to Avoid – no upfront payments, cancellation fees, misrepresentation, forced commitments.