Terms of Use

1. What ScoreGuard is — and is not

ScoreGuard is self-directed credit repair software. You use the platform to review your own credit reports, decide what to dispute, and prepare and send your own dispute correspondence in your own name. You approve every letter before it is sent. ScoreGuard is not a credit bureau, credit counseling agency, law firm, or lender, and nothing in the Services is legal or financial advice. Statutory references generated by the platform describe the legal basis for a dispute; for advice about your specific situation, consult a licensed attorney.

You can do everything the platform helps you do yourself, directly with the credit bureaus, for free. See our CROA Disclosure page for your rights under federal and state law.

2. Eligibility and accounts

You must be at least 18 and a U.S. resident. You are responsible for the accuracy of the information you provide, for keeping your credentials secure, and for all activity under your account. Use the platform only for your own credit file, or for one additional consenting adult household member under the couples add-on with their own authorization.

3. Acceptable use

You agree not to: submit disputes you know to be untrue; misrepresent your identity or use a credit privacy number (CPN) or another person’s identifiers; use the platform on behalf of third parties without a business plan authorized for that use; attempt to probe, breach, or overload the Services; reverse engineer the platform; scrape or resell platform content; or use the Services in violation of the FCRA, FDCPA, CROA, or any other law. Every dispute you approve must reflect your good-faith belief that the item is inaccurate, incomplete, or unverifiable. We may suspend or terminate accounts that violate this section.

4. Subscriptions, billing, and cancellation

Plan features and prices are shown on the Pricing page and in your Platform Subscription Agreement. Billing is monthly in arrears with no advance fees. You may cancel at any time from your Billing page; new subscribers may also cancel within 5 business days of acceptance without obligation in every state. Refunds follow the Refund and Cancellation Policy.

5. Intellectual property

The Services, including software, design, and content, are owned by ScoreGuard.AI LLC and protected by law. We grant you a limited, non-exclusive, non-transferable license to use the Services for their intended purpose during your subscription. Letters you generate from your own facts are yours to use for your own disputes. ScoreGuard™ and the shield logo are trademarks of ScoreGuard.AI LLC.

6. Third-party services

Credit monitoring, payment processing, and mail fulfillment are provided by third parties under their own terms. Bureau and furnisher behavior, postal delivery, and monitoring data accuracy are outside our control.

7. Disclaimers

The Services are provided “as is” and “as available.” We do not warrant uninterrupted or error-free operation, and we do not guarantee the removal of any item from your credit report or any change in any credit score. Accurate, current, and verifiable information cannot lawfully be removed from a credit report. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose. Nothing in these Terms limits rights you have under the Credit Repair Organizations Act or state law that cannot be waived; any waiver of CROA rights is void (15 U.S.C. § 1679f).

8. Limitation of liability

To the fullest extent permitted by law, ScoreGuard’s total liability for any claim arising out of the Services is limited to the amounts you paid to ScoreGuard in the 12 months before the claim arose, and neither party is liable for indirect, incidental, consequential, or punitive damages. Some states do not allow certain limitations, so parts of this section may not apply to you, and nothing here limits liability that cannot be limited by law, including liability under CROA.

9. Dispute resolution

We prefer to resolve issues directly — contact support@scoreguard.ai first. Any dispute not resolved informally will be resolved in the state or federal courts of the state in which you reside, under the laws of that state, except where you and ScoreGuard agree in writing to arbitration. Nothing in this section waives your right to bring claims under the Credit Repair Organizations Act, the FCRA, the FDCPA, or your state’s credit services statute, or to complain to the FTC, the CFPB, or your state attorney general.

10. Changes and termination

We may update these Terms prospectively; material changes will be announced by email or in-app notice at least 30 days before they take effect. You may stop using the Services at any time. Sections that by their nature survive termination (intellectual property, disclaimers, limitation of liability) survive.

11. Contact

ScoreGuard.AI LLC · support@scoreguard.ai