← Back to NOX Advisors

Credit Repair & Lending Disclosures

Last updated: January 2026

Who we are

NOX Advisors is a consulting firm. We are not a lender, not a bank, not a credit union, and not a law firm. We do not make loans, extend credit, or make credit decisions. Nothing on this website is legal, financial, or tax advice.

Lending disclosures

All funding is arranged through third-party lending partners. Those partners alone decide who is approved, for how much, and on what terms. We do not guarantee approval, any specific funding amount, interest rate, term, or timeline. Rates, fees, and terms are set solely by the lender and will vary based on your credit profile, revenue, time in business, collateral, and other factors. Applying may involve a credit inquiry that can affect your credit score. You should review all loan documents carefully before signing.

Credit Repair Organizations Act (CROA) disclosures

Our credit repair services are provided in compliance with the Credit Repair Organizations Act. Under federal law you have the following rights:

  • You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly, at no cost to you.
  • You are entitled to a free copy of your credit report from each bureau every 12 months at annualcreditreport.com.
  • You may cancel your contract with us, without penalty or obligation, within three business days of signing it.
  • No credit repair organization may charge or receive payment for services until the promised services are fully performed.
  • Accurate, current, and verifiable information cannot be removed from a credit report. We only dispute items that are inaccurate, outdated, or unverifiable.

No guaranteed outcomes

We cannot and do not guarantee any specific credit score increase, funding amount, approval, or account reinstatement. Individual results vary, and testimonials reflect individual experiences that are not typical.

Your responsibilities

You agree to provide accurate and complete information and to respond promptly to requests for documentation. Misrepresenting information on any credit or loan application is your responsibility alone.

Questions

Questions about these disclosures? Email info@noxadvisors.com or call 702-935-3900.