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 A credit bureau is only required to remove negative information if it is inaccurate or outdated.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. Use of Account for Personal Credit Repair Only
Each account with The Dispute Coach is intended solely for the individual account holder's personal use. You agree not to use your account to generate dispute letters or submit credit repair activities on behalf of any other person, including family members, friends, or clients.
Engaging in such activity constitutes a violation of these Terms and may result in the suspension or termination of your account without refund. Each individual seeking credit repair must create and maintain their own separate account.
This policy is in place to protect user privacy, ensure accurate reporting, and comply with applicable regulations.
10. Contact Us
If you have any questions or concerns about these Terms, please contact us:
📧 Email: info@thedisputecoach.com