Terms of Service

Service Overview

CreditFixPro helps users review credit report information, organize potential issues, prepare self-service and user-reviewed draft letters, and track dispute activity. You are responsible for checking every imported field, selected issue, and draft before using it.

Self-Service Only

CreditFixPro does not act on your behalf, send disputes for you, contact credit bureaus, furnishers, collectors, creditors, lenders, courts, or government agencies for you, negotiate debts, or decide which statements are true. You decide whether, when, where, and how to use any draft or workflow.

Your Free Consumer Rights

You have the right to contact credit bureaus, furnishers, creditors, and collectors directly without using CreditFixPro. You can review your own credit reports and dispute information you believe is inaccurate, incomplete, outdated, or unverifiable, or information that resulted from actual identity theft when your facts support that statement.

No Legal, Financial, Credit, or Professional Advice

CreditFixPro provides educational tools and templates. It does not provide legal advice, financial advice, credit counseling, loan advice, tax advice, debt-settlement advice, or representation before any credit bureau, creditor, furnisher, collector, court, or government agency. No attorney-client, fiduciary, credit-counselor, or financial-advisor relationship is created by using the app.

AI, Parsing, and Draft Limitations

AI-assisted or automated features can be wrong, incomplete, or misread uploaded documents. Parsed report data is an organization aid, not a legal conclusion or confirmed error. You must verify names, addresses, account numbers, balances, dates, statuses, dispute reasons, recipients, and any legal references before sending or relying on a draft.

No Guaranteed Outcomes

CreditFixPro does not guarantee deletions, removals, score increases, approvals, financing terms, response times, debt outcomes, or any specific result. Accurate, current, and verifiable negative information may remain on a credit report. Outcomes depend on your facts, supporting records, third-party investigations, and applicable law.

User Responsibilities

Use CreditFixPro only for your own credit information or where you have lawful authority. Do not submit false disputes, false identity-theft statements, inaccurate account facts, frivolous disputes, harassment, threats, or documents you have not reviewed. Do not use a template unless the language matches your facts and supporting records.

Payments and Paid Features

Subscriptions are software-access fees for additional self-service templates, workflows, storage, and tracking features. Paid access is not a fee for CreditFixPro to repair credit, contact third parties, or produce any outcome. If a law gives you a cancellation right, refund right, required notice, or other non-waivable consumer protection, these Terms do not limit that right.

Cancellation and Support

You can manage web subscription renewal through the billing page when available. Native app-store subscriptions must be managed through Apple or Google where required. If you have a billing, cancellation, account deletion, or data export question, contact support@getcreditfixpro.com. Do not send full Social Security numbers, full account numbers, passwords, or payment card details by email.