IMPORTANT DISCLOSURES
Effective Date: October 8, 2026
Last Updated: October 8, 2026
The following disclosures apply to the website and services offered by Vellorique Financial. Please read them carefully before purchasing or using any service.
CREDIT SERVICES DISCLOSURE
Vellorique Financial provides credit education, credit-report review, dispute assistance, and related support services.
Vellorique Financial is not a consumer reporting agency, credit bureau, lender, creditor, debt collector, law firm, or government agency. We are not affiliated with Equifax, Experian, TransUnion, the Federal Trade Commission, or the Consumer Financial Protection Bureau.
NO GUARANTEE OF RESULTS
Vellorique Financial does not guarantee any specific credit outcome.
We do not guarantee that any information will be deleted, removed, corrected, or modified as a result of our services.
We do not guarantee that your credit score will increase or increase by a specific number of points.
We do not guarantee approval for credit cards, mortgages, automobile financing, personal loans, housing, employment, or any other product or service.
Every consumer's credit profile is different, and results may vary.
ACCURATE NEGATIVE INFORMATION
Accurate, current, and verifiable negative information generally cannot legally be removed from a credit report merely because it negatively affects a consumer's credit.
The Federal Trade Commission explains that credit-repair companies cannot legally remove accurate and current negative information from a credit report.
Consumers have the right to dispute information they believe is inaccurate or incomplete themselves without hiring a credit-repair company.
YOUR RIGHT TO DISPUTE INFORMATION
Federal law gives consumers the right to dispute inaccurate or incomplete information appearing in their consumer reports.
You may contact the consumer reporting agencies directly and exercise these rights yourself without paying Vellorique Financial or another company.
Vellorique Financial's services are intended to provide education and assistance and do not replace rights already available to you under federal or state law.
CONSUMER CREDIT FILE RIGHTS
Federal law gives consumers specific rights concerning their consumer credit files.
Where Vellorique Financial is subject to the federal Credit Repair Organizations Act (“CROA”), consumers must receive the federally required disclosure titled “Consumer Credit File Rights Under State and Federal Law” before entering into a covered agreement. Federal law also requires covered credit-repair contracts to contain specific information and cancellation rights.
This website disclosure is not intended to replace any disclosure, notice, or contract required by applicable law.
RIGHT TO CANCEL
Where CROA applies, a consumer has the right to cancel a covered credit-repair contract without penalty or obligation at any time before midnight of the third business day after signing the contract.
Vellorique Financial will honor all cancellation rights required under applicable federal and state law.
Nothing in our Terms, policies, agreements, or other materials is intended to waive a right that cannot legally be waived.
FEES
Vellorique Financial will charge and collect fees only as permitted by applicable law.
Where federal or state law prohibits advance payment for particular credit-repair services, Vellorique Financial will not require payment in violation of those requirements.
The FTC explains that CROA prohibits covered credit-repair organizations from demanding advance payment and establishes other requirements governing their activities.
NO GOVERNMENT AFFILIATION
Vellorique Financial is a privately operated business.
We are not sponsored, endorsed, approved, or operated by any federal or state government agency.
NO LEGAL OR FINANCIAL ADVICE
Information provided by Vellorique Financial is intended for educational and informational purposes.
Vellorique Financial is not a law firm, and our services do not constitute legal representation or create an attorney-client relationship.
We do not provide individualized legal, tax, investment, lending, or accounting advice.
THIRD-PARTY DECISIONS
Consumer reporting agencies, creditors, lenders, furnishers, collection agencies, and other third parties independently determine how information is investigated, verified, updated, or reported.
Vellorique Financial cannot control or guarantee decisions made by these organizations.
TESTIMONIALS AND EXAMPLES
Any testimonials, reviews, examples, case studies, score changes, or previous client experiences displayed by Vellorique Financial represent individual experiences only.
Past results do not guarantee future results.
Consumers should not interpret any testimonial or example as a promise that they will achieve the same or similar outcome.
TEXAS CONSUMERS
Vellorique Financial operates from Texas. Credit-services organizations operating in Texas may be subject to Chapter 393 of the Texas Finance Code and registration and other requirements administered by the Texas Secretary of State.
Nothing on this website is intended to limit any right or remedy available to a Texas consumer under applicable law.
CONTACT US
Questions concerning these disclosures may be directed to:
Vellorique Financial
Houston, Texas
Email: sales@velloriqueco.com
Phone: 832-819-2921