Consent Agreement

1. Authorization to Access Credit Report

By using our Service, you authorize CreditCoach to access your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) for the purpose of analyzing your credit profile, identifying inaccurate, incomplete, or unverifiable items for potential dispute, and evaluating your credit positioning for funding preparation. This authorization is granted for the duration of your active subscription and remains in effect until you cancel your account or revoke authorization in writing.

2. Authorization to Prepare and Send Dispute Letters

You authorize CreditCoach to prepare dispute letters on your behalf based on items identified during our analysis of your credit report. You further authorize CreditCoach to send these dispute letters to the credit bureaus (Equifax, Experian, and TransUnion) and, where applicable, to data furnishers and creditors on your behalf. You will have the opportunity to review your dispute action plan and the items being disputed before letters are sent. All disputes will be based on your rights under the Fair Credit Reporting Act (FCRA) to challenge inaccurate, incomplete, or unverifiable information.

3. Understanding of Services

You acknowledge and understand that:

• CreditCoach is a Credit + Funding Preparation System that helps clients clean up credit, build stronger credit, position for lender approvals, and prepare for funding.
• CreditCoach is not a law firm and does not provide legal advice, legal representation, or attorney services of any kind.
• Results vary and CreditCoach does not guarantee the removal of any items from your credit report, any specific improvement in your credit score, or approval for any loan or funding.
• You have the right to dispute items on your credit report directly with the credit bureaus at no cost without using CreditCoach or any third-party service.
• Accurate, current, and verifiable information cannot be removed from your credit report through the dispute process.
• The credit improvement process takes time and individual results depend on many factors specific to your credit profile and ongoing credit behavior.
• Funding preparation is guidance only — all approval decisions are made by lenders based on their own criteria. CreditCoach does not guarantee any lending or funding outcomes.
• CreditCoach uses AI-assisted tools for credit analysis and dispute letter generation. These outputs are reviewed for accuracy but should also be reviewed by you.

4. Credit Repair Organizations Act (CROA) Disclosure

5. Right to Cancel

You have the right to cancel this agreement within 3 business days from the date you signed up for our Service without penalty or obligation, in accordance with the Credit Repair Organizations Act (CROA). To cancel, contact us at info@creditcoach.cc or through your account dashboard. After the 3-day cancellation period, you may still cancel your subscription at any time through your account dashboard. No refunds are provided after service begins.

6. Your FCRA Rights

7. Accuracy of Information

You agree to provide accurate and truthful information to CreditCoach, including your identity information and details about your credit situation. Providing false information may result in termination of your account and could have legal consequences.

8. Communication Consent

By providing your email address and phone number, you consent to receive communications from CreditCoach related to your account, service updates, dispute statuses, credit coaching recommendations, and other service-related notifications. You may opt out of non-essential communications at any time through your account settings or by contacting us at info@creditcoach.cc.

9. Data Handling

Your personal and credit information will be handled in accordance with our Privacy Policy. We use industry-standard security measures including encryption, row-level security, and secure storage to protect your data. You may request access to or deletion of your personal information at any time by contacting us.

10. No Guarantees

CreditCoach makes no guarantees regarding specific results, including but not limited to: the number of items removed from your credit report, the amount of credit score improvement, the timeline for results, or approval for any loan, credit card, or funding product. All results depend on individual circumstances, creditor and bureau responses, and factors beyond our control.

11. Entire Agreement

This Consent Agreement, together with our Terms of Service, Privacy Policy, and Disclaimer, constitutes the entire agreement between you and CreditCoach regarding the use of our Service. In the event of any conflict between these documents, the Terms of Service shall prevail.

12. Contact

If you have questions about this Consent Agreement, please contact us: