Effective date: October 11, 2026

These Terms and Conditions govern your use of scopecredits.com and the services of Scope Credit, a brand operated by Altiora Realty LLC ("Scope Credit", "we", "us"). By using this website, submitting our forms, or receiving our communications, you agree to these Terms.

Our services

Scope Credit offers a free, confidential credit evaluation and guidance intended to help you understand your credit situation and prepare to buy a home, including education about credit factors and referrals to third-party tools and professionals when appropriate.

No guarantees

Credit repair results vary by person. We do not guarantee a specific credit score, a score increase, the removal of any particular item from your credit report, or approval for any loan or credit product. Our evaluation is educational and is not financial, legal, or tax advice. Loan decisions are made solely by lenders under their own criteria.

Text messaging terms

By submitting our form and checking the consent box, you agree to receive text messages from Scope Credit at the number you provided, about your free credit evaluation, appointment scheduling and reminders, and follow-up. Message frequency varies. Message and data rates may apply. Reply STOP to cancel at any time and HELP for help. Carriers are not liable for delayed or undelivered messages. Consent is not a condition of any purchase.

Acceptable use

You agree to provide accurate information, to use this website only for lawful purposes, and not to misrepresent your identity or your phone number ownership.

Third-party services

Our communications may link to third-party services (for example, a credit-monitoring portal). Those services are operated by their own providers under their own terms and privacy policies, and we are not responsible for their content or practices.

Limitation of liability

To the maximum extent permitted by law, Scope Credit and Altiora Realty LLC are not liable for indirect or consequential damages arising from your use of this website or our services.

Governing law

These Terms are governed by the laws of the State of Texas.

Changes

We may update these Terms from time to time. The current version will always be posted on this page with its effective date.

Contact

Scope Credit (Altiora Realty LLC), Melissa, Texas. Phone: (469) 388-0220. Website: scopecredits.com.