Effective Date: 03/14/2025
Last Updated: 03/14/2025
Welcome to CreditBuddy.org (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website and services, including credit repair, credit monitoring, and credit reporting tools. By accessing or using our services, you agree to comply with these Terms. If you do not agree, please do not use our services.
To use our services, you must:
Be at least 18 years old.
Reside in the United States.
Provide accurate and truthful information when signing up.
Not use our services for fraudulent or unlawful purposes.
CreditBuddy.org provides the following services: ✔️ Credit Repair Assistance – Helping users dispute inaccurate information on their credit reports. ✔️ Credit Monitoring – Offering tools to track credit score changes and financial health. ✔️ Credit Education – Providing financial literacy content and resources. ✔️ Third-Party Referrals – Connecting users with credit bureaus, financial institutions, and loan providers.
We do not guarantee specific credit score improvements or financial outcomes. Results vary based on individual credit profiles and bureau policies.
Our services comply with the following laws:
You have the right to dispute inaccurate, incomplete, or unverifiable credit report information.
Credit repair services do not remove accurate negative information from credit reports.
We do not require upfront payment for credit repair services.
We provide a written contract outlining your rights before you sign up.
You may cancel our services within three (3) days without penalty.
We protect your personal financial information and only share it as permitted by law.
When using our services, you agree to: ✅ Provide truthful and accurate information. ✅ Keep login credentials confidential. ✅ Use our services for personal, non-commercial purposes. ✅ Not engage in fraudulent or misleading activity.
Certain services may require payment. By using paid services, you agree that:
Fees are clearly disclosed before any charges occur.
Subscription services may auto-renew unless canceled.
We do not offer refunds after services have been rendered.
You may cancel your services at any time by: 📧 Emailing us at support@creditbuddy.org
📞 Calling our customer service number [Insert Number]
Credit repair services may be canceled within three (3) days per CROA regulations.
We are not liable for: 🚫 Any changes in your credit score resulting from disputes or monitoring services. 🚫 Third-party actions, including credit bureaus or lenders. 🚫 Unauthorized access to your account due to failure to secure login credentials. 🚫 Any financial decisions made based on our content or services.
Our website may contain links to third-party services, including credit bureaus and financial institutions. We do not endorse or assume responsibility for their privacy policies, content, or data practices.
In the event of a dispute, you agree to:
Attempt informal resolution by contacting support@creditbuddy.org first.
Submit disputes to binding arbitration under the rules of the American Arbitration Association (AAA), rather than pursuing a lawsuit.
Waive the right to participate in a class-action lawsuit against us.
We may update these Terms from time to time. The latest version will always be available at [www.creditbuddy.org/terms]. Continued use of our services constitutes acceptance of the updated Terms.
If you have questions regarding these Terms, you can reach us at: 📧 Email: support@creditbuddy.org
