Terms of Service

Effective Date: [Insert Date]

1. Your Rights Regarding Consumer Credit Files

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccuracies in your credit report directly with the credit bureaus. While you have the right to challenge information, neither individuals nor third-party services can remove accurate, current, and verifiable information from your report. A credit bureau is only required to remove negative information if it is inaccurate or outdated.

Credit bureaus may report negative information for up to 7 years and bankruptcy records for up to 10 years. You are entitled to request a free credit report once every 12 months at www.annualcreditreport.com.

2. No Guarantees or Promises

The Dispute Coach provides credit dispute guidance and software tools, but we do not guarantee any specific outcome regarding credit score improvements, removals, or approvals for loans. Credit bureaus and creditors retain full discretion regarding dispute resolutions.

We do not make any claims or guarantees regarding:

• The removal of any negative accounts or items.
• Credit score increases or improvements.
• Loan approvals, interest rate reductions, or financial approvals.

3. Subscription & Cancellation Policy

The Dispute Coach operates on a monthly subscription basis. You may cancel at any time, and your service will continue until the end of your current billing cycle.

Important: Canceling your subscription to The Dispute Coach does not cancel your credit monitoring service. Credit monitoring is provided by a separate company, and you must contact them directly to cancel. We are not responsible for any ongoing charges from third-party monitoring services.

4. User Responsibilities

By using our services, you agree to:

• Use our platform lawfully and ethically.
• Provide accurate and truthful information in your disputes.
• Monitor your own credit reports and follow up on disputes when needed.

5. Confidentiality & Data Use

Your privacy is important to us. We do not sell, rent, or share your personal information with third parties except as required by law or to provide our services.

Data entered into The Dispute Coach is securely stored and only used for the purpose of generating your dispute letters and tracking your credit progress.

6. Limitation of Liability

The Dispute Coach is not responsible for financial decisions you make or any adverse outcomes from credit disputes.

By using our platform, you acknowledge that:

• You assume full responsibility for any credit disputes you submit.
• We are not liable for damages, lawsuits, credit denials, or financial losses.
• We do not provide legal advice.

7. Governing Law & Compliance

This agreement is governed by the laws of the United States and the State of Kentucky. Any legal disputes must be filed in the appropriate courts within that jurisdiction.

8. Changes to Terms & Services

The Dispute Coach reserves the right to update these Terms at any time. Continued use of our services constitutes acceptance of any changes.

9. Contact Us

If you have any questions or concerns about these Terms, please contact us:

📧 Email: info@thedisputecoach.com