Terms of use

1. Who you are dealing with

Credit File Corrections is a service of Madgett Law, LLC, a Minnesota law firm. David J.S. Madgett, Minnesota Bar No. 390494, is responsible for its content and is licensed to practice in Minnesota only. IDS Center, 80 South 8th Street, Suite 1650, Minneapolis, MN 55402. 612-470-6529.

Publishing this site is a communication about the firm's services under the Minnesota Rules of Professional Conduct. It is attorney advertising. It is not an offer to represent you, and it is not a promise that the firm will take any particular case.

2. No legal advice, no attorney-client relationship

Everything here is general information about how credit reporting and disputes work. It is not legal advice, and it is not advice about your situation. Reading this site, downloading a template, or using the letter builder does not create an attorney-client relationship.

One thing is different, and it is the part worth reading twice. If you send us information through the case review request, you become a prospective client. We will keep what you send confidential under our professional obligations to prospective clients, whether or not we take your case. That duty is not the same thing as the attorney-client privilege, which generally applies to communications inside an attorney-client relationship. You do not become a client, and we do not represent you, unless and until we both sign a written agreement.

The letter builder is a separate matter: it runs entirely in your browser and transmits nothing. We never see what you type into it, so there is nothing there for anyone to protect, disclose, or be compelled to produce from us.

3. You are responsible for what you send

The letter templates and the letter builder produce drafts from what you type. We do not verify your facts, and we do not review your letters. Read every line before you sign and send anything, and correct anything that is not accurate. Do not assert something is inaccurate, or fraudulent, unless you believe it to be true — there are consequences for false statements to credit bureaus, particularly in identity theft submissions.

4. No promises about results

We do not guarantee that any item will be deleted or corrected, that your score will change, that a dispute will succeed, or that any lawyer will take your case. We make no representation about the outcome of anything.

5. Acceptable use

You agree not to:

• Use the site to submit information you know to be false.
• Use it on someone else's behalf without their authority.
• Scrape it, overload it, or try to break it.
• Reuse the templates as part of a commercial service that charges consumers for assistance with their credit files.

The templates are free for you to use for your own credit file, and for a lawyer or nonprofit to use with the people they serve. That is the intended use.

6. Third-party sites

We link to AnnualCreditReport.com, government resources, and monitoring providers. Those are separate companies and agencies operating under their own terms and privacy policies. We do not control them and are not responsible for them.

7. The case review request

Anything you send through this site comes to Madgett Law, LLC. Sending it is not representation and does not oblige the firm to act. We may decline, including because we already represent someone whose interests are adverse to yours. Representation begins only if conflicts clear and you sign a separate written engagement agreement, which is its own contract and is not governed by these terms.

The request is deliberately two steps. Step one collects only what a conflict check needs and no facts about the merits, so that if the answer is no, we will have learned almost nothing about you. Step two is where you choose, item by item, what we may see.

Every tool on this site is free. There is no paid tier, no upsell, and nothing is gated behind an email address. What the firm sells is legal representation — only if you ask for it, only if we agree to take your case, and on fee terms set out in that written agreement before any work starts.

8. Availability

The articles, guides and templates are available to anyone; federal credit-reporting law is the same in every state. Case review is available to Minnesota residents only, because that is where David J.S. Madgett is licensed. The site is provided as-is and may change or be discontinued. We do not promise it will always be available.

9. Limitation of liability

To the fullest extent the law allows, Madgett Law, LLC is not liable for indirect, incidental, consequential, or punitive damages arising from your use of this site. Nothing in these terms limits liability that cannot be limited by law, and nothing in them is intended to disclaim any obligation a law firm owes you separately.

10. Changes

These terms are versioned. When they change materially, the version number changes, and receipts record the version in effect when you acted.

11. Governing law

These terms are governed by Minnesota law.

12. Contact

Questions about these terms go to support.

Version 2026-09-10.1