Terms of Service

1. Acceptance of Terms

By accessing or using Credit 800 ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Credit 800 is an educational tool that helps users understand their credit reports and provides AI-generated suggestions for potential disputes. The Service analyzes uploaded credit reports, identifies potentially disputable items, and generates template dispute letters based on the Fair Credit Reporting Act (FCRA) and other applicable laws.

3. Not a Credit Repair Organization

Credit 800 is NOT a credit repair organization as defined by the Credit Repair Organizations Act (CROA).We do not:

• Guarantee removal of any items from your credit report
• Promise to improve your credit score
• Submit disputes on your behalf
• Charge fees for credit repair services

The Service is an educational tool that provides information and templates. You are solely responsible for reviewing, editing, and submitting any dispute letters.

4. User Responsibilities

You agree to:

• Provide accurate information when using the Service
• Only upload credit reports that belong to you
• Review all AI-generated content before use
• Not rely solely on the Service for credit-related decisions
• Comply with all applicable laws when submitting disputes

5. AI-Generated Content Disclaimer

The Service uses artificial intelligence to analyze credit reports and generate dispute letters. AI-generated content may contain errors, inaccuracies, or may not be appropriate for your specific situation. You should always review, verify, and customize any AI-generated content before use. Credit 800 is not responsible for any consequences resulting from the use of AI-generated content.

6. No Guarantee of Results

We make no guarantees regarding the outcome of any disputes you may file. Success in credit disputes depends on many factors outside our control, including the accuracy of information on your credit report, the responsiveness of credit bureaus and creditors, and applicable laws.

7. Privacy and Data Security

Your use of the Service is also governed by our Privacy Policy. We take reasonable measures to protect your personal information, but no method of transmission over the Internet is 100% secure.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT 800 SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the updated terms on the Service. Your continued use of the Service after such changes constitutes acceptance of the new terms.

10. Contact Information

If you have any questions about these Terms of Service, please contact us through the Service.