Terms of use · effective July 17, 2026
A drafting tool, not a promise.
By using this site, you agree to use it only for lawful, truthful self-help drafting concerning your own US credit information or information you are authorized to address.
No legal or credit-repair service
The site does not provide legal advice, attorney review, legal representation, credit repair, financial advice, or a professional opinion about your claim. Generated text is a draft that you must review and edit.
No guaranteed result
We do not promise that information will be corrected or removed, that a credit score will change, or that a recipient will respond in a particular way. Accurate negative information cannot simply be removed because it is negative.
Your responsibilities
You are responsible for the truth and accuracy of the information you enter, checking every generated statement, verifying current recipient addresses and instructions, deciding what documents to send, and keeping appropriate copies. Do not use the tool for identity theft; use IdentityTheft.gov.
Prohibited use
Do not enter another person’s sensitive information without authorization, submit an SSN or date of birth, attempt to bypass security or limits, automate abusive traffic, or use a draft to misrepresent facts.
Availability
The service may change, pause, use a deterministic fallback, or be withdrawn. We provide it as available without warranties to the extent permitted by applicable law.
Contact
Questions may be sent to [email protected]. Do not email credit reports or sensitive personal documents.