Not a government agency. Lumea Financial is a private company operated by Key 2 Debt Free LLC. We are not affiliated with, endorsed by, or sponsored by the U.S. Department of Education, Federal Student Aid, the Consumer Financial Protection Bureau, or any government agency. The federal student loan repayment and forgiveness programs we help with are available directly to you for free at StudentAid.gov and through your federal loan servicer.
Credit repair disclosures. Credit repair services are provided by a credit repair organization as defined by the federal Credit Repair Organizations Act. You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit bureaus directly, and you are entitled to a free copy of your report from each of the three nationwide credit bureaus every week at AnnualCreditReport.com. Accurate, current, and verifiable information cannot lawfully be removed from a credit report by anyone. We charge no advance fees and bill only after services have been performed. You will receive a written contract and a written statement of your federal rights before services begin, and you may cancel without penalty within three business days of signing. We will never ask you to create a new credit identity or use a credit privacy number or an employer identification number in place of your Social Security number.
Results are not guaranteed. Eligibility for any student loan repayment or forgiveness program, and any change to your payment or balance, is determined solely by the U.S. Department of Education and your loan servicer. Whether any credit report item is removed or corrected is determined solely by the credit bureaus and the companies furnishing the information. We do not guarantee approval, forgiveness, a specific payment amount, the removal of any item, an increase in your credit score, or a specific timeline. We are not a law firm, a credit counseling agency, or a debt settlement company, and we do not provide legal or tax advice. We will never ask for your StudentAid.gov (FSA ID) username or password.
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