1. Ability to Accept
By using the Site you affirm that you are at least 18 years of age. You must provide accurate registration information and may not use automated access methods or misrepresent your identity in any way.
2. License
Subject to your full compliance with these Terms, we grant you a limited, non-exclusive, non-sublicensable, non-assignable, and non-transferable license to access, use and display locally the Site and the Content, solely for your own personal use.
3. License Restrictions
Except as expressly permitted under Section 2, you shall not:
- Copy, reproduce, distribute, modify, create derivative works of, publicly perform, or publicly display any part of the Site or any Content;
- Disrupt servers or networks connected to the Site;
- Use or launch any automated system (including "robots" and "spiders") to access the Site;
- Circumvent, disable or otherwise interfere with security-related features of the Site;
- Engage in data scraping, fraud, harassment, or any activity intended to trick, defraud, or mislead us or other users.
4. Intellectual Property Rights
4.1 Ownership
Your use of the Site is licensed and not sold. Creditory and its licensors retain all title, ownership rights and Intellectual Property Rights in and to the Site.
4.2 Content
All content, information, data, text, photographs, videos, audio clips, software, scripts, graphics, and interactive features (collectively, "Materials"), as well as trademarks, service marks and logos ("Marks"), are the property of Creditory Credit Solutions and/or its licensors. "Creditory" and the Creditory logo are marks of Creditory and/or its affiliates.
4.3 Use of Content
All Content is provided "AS IS" for your personal use only. You acknowledge that all Content accessed is at your own risk.
4.4 Third Party Open Source Software
Portions of the Site may include third party open source software subject to third party terms. To the extent of any conflict, those Third Party Terms shall prevail in connection with the corresponding software.
5. User Submissions
The Site may permit sharing of content, opinions, and feedback ("User Submissions"). You are solely responsible for your User Submissions. By submitting, you grant Creditory a worldwide, irrevocable, non-exclusive, royalty-free, perpetual, sub-licensable license to use, reproduce, distribute, and publicly display such submissions. We reserve the right to monitor, censor, edit, or remove any User Submissions at any time.
6. Third Party Sources and Content
The Site may link to third party material not owned or controlled by us. We are not affiliated with and assume no responsibility for the content, terms, privacy policies, or practices of any Third Party Sources. Your interaction with Third Party Sources is at your sole discretion and risk.
7. Privacy
We will use personal information collected in connection with the Site in accordance with our Privacy Policy. You are solely responsible for maintaining the security of your device from unauthorized access.
8. Warranties Disclaimer
THE SITE AND ALL CONTENT IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND. CREDITORY MAKES NO REPRESENTATION REGARDING THE EFFECTIVENESS, USEFULNESS, RELIABILITY, AVAILABILITY, TIMELINESS, ACCURACY, OR COMPLETENESS OF THE SITE OR ANY CONTENT.
9. Limitation of Liability
IN NO EVENT WILL CREDITORY OR ITS AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES, LOSS OF PROFITS, BUSINESS, OR REVENUE. THE AGGREGATE LIABILITY OF CREDITORY SHALL NOT EXCEED THE AMOUNTS ACTUALLY PAID BY YOU TO CREDITORY DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING YOUR CLAIM.
10. Indemnity
If any third party brings a claim against Creditory arising from: (a) your use of the Site; (b) any breach by you under these Terms; or (c) any of your User Submissions — you agree, upon request, to assume full control of the defense and to indemnify and hold harmless Creditory against all costs, expenses, and damages incurred.
11. Term and Termination
Creditory reserves the right to immediately terminate these Terms, or modify, suspend or discontinue your access to the Site at any time, for any reason, without notice. If you object to any term herein, your only recourse is to cease accessing and using the Site.
12. Assignment
Creditory may assign these Terms without your consent. You may not assign these Terms without Creditory's express prior written consent. Any prohibited assignment shall be null and void.
13. Modification
Creditory reserves the right to change these Terms at any time by posting updates on the Site. Changes are effective ten (10) days after posting. Continued use of the Site constitutes acceptance of changes.
14. General
These Terms constitute the entire agreement between the parties. If any provision is found invalid or unenforceable, it shall be interpreted to give maximum legal effect, and the remainder shall remain in full force and effect.
15. Eligibility
The Tradeline Marketplace is intended for users who are at least 18 years of age. By purchasing services, you represent and warrant that you meet this requirement and that all information you provide is accurate and complete.
16. What You Receive
When you purchase an authorized user tradeline, you receive temporary authorized user status on an existing credit card account for approximately two (2) billing cycles, after which you are removed. No physical card or access to the primary cardholder's account is provided.
17. No Guarantee of Results
The Smart Matching tool (where available) is for informational purposes only and should not be relied upon as financial, legal, or credit advice.
18. Documentation Requirements
To process your order, you must submit within 48 hours:
- Color copy of a government-issued photo ID (driver's license or passport)
- Color copy of your Social Security card
- Full legal name, Social Security number, date of birth, and current mailing address
Failure to provide documentation within 48 hours may result in order cancellation.
19. Payment Terms
Full payment is required before processing begins. All fees are non-refundable except in the event of a non-posting as described in Section 20. All transactions are encrypted and PCI-DSS compliant.
20. Refund Policy — Non-Posting
If your tradeline does not post to at least two (2) credit bureaus within the reporting period, you are eligible within 21 days of the expected posting date for:
- Full refund to the original payment method
- Store credit
- Exchange for another tradeline
Contact mycredit@creditory.io within the 21-day window to initiate a request.
21. Prohibited Activities
- Provide false or misleading information during registration or order placement;
- Attempt to trick, defraud, or mislead Creditory or other users;
- Use the Site for any purpose that violates applicable law or regulation;
- Use the tradeline service to misrepresent creditworthiness to any lender or financial institution.
22. Dispute Resolution
Any dispute arising from these Terms or our services shall be resolved by binding arbitration in Texas under JAMS rules rather than through court litigation. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Contact: mycredit@creditory.io • Texas, US
23. Credit Repair Organization Act (CROA) Disclosure
- You have the right to dispute inaccurate information directly with credit bureaus at no cost.
- You may obtain a free credit report annually through www.annualcreditreport.com.
- No credit repair organization may make false or misleading claims or guarantee specific results.
- You may cancel services without penalty within three (3) business days of signing an agreement.
- Credit repair services cannot remove accurate, current, and verifiable information.
- We do not engage in false information creation, identity misrepresentation, or unlawful credit practices.
24. No Advance Payment Disclosure (CROA Compliance)
No fees are charged for credit repair services until those services have been fully performed. Payment obligations are earned only after completion of services outlined in the client agreement.
25. Telemarketing Sales Rule (TSR) Compliance
- We do not request or accept payment for credit repair services until promised services have been completed.
- We do not make false or misleading statements about guaranteed results or time-specific outcomes.
- Marketing communications are informational and subject to applicable consumer consent requirements.
- Consumers may request written documentation of services prior to enrollment.
- We utilize self-service sign-up so clients can register without telemarketing sales pressure.
26. Add-On Services Disclosure
- Are optional and not required to receive core services;
- Are recommended based on a client's goals and eligibility;
- May involve third-party providers subject to availability and verification;
- Do not guarantee outcomes or credit score improvements.
27. Rapid Rescore Disclosure
Rapid rescore services request expedited updates of verified information but do not alter credit data. No guarantee is made regarding timing, approval, or scoring impact.
28. Authorized User / Tradeline Disclosure
Authorized user and tradeline services are provided only where legally permissible and compliant with bureau policies. We do not create false accounts, falsify credit history, or misrepresent consumer identity. The process complies with FCRA, CROA, TSR, and ECOA.
29. Consumer Law Attorney Disclosure
Legal review and attorney-related services are limited to review, guidance, and escalation where appropriate. These services do not constitute a promise of litigation, account removal, or legal outcome unless separately contracted in writing.
30. Right to Cancel
31. Acknowledgment of Understanding
By enrolling in services, you acknowledge that: you have reviewed and understand your consumer rights; results are not guaranteed; and services are performed in compliance with applicable federal and state laws.
32. 90-Day Money-Back Guarantee (Monthly Billing)
We offer a 90-Day Money-Back Guarantee for clients enrolled in our monthly credit improvement program. To qualify, the client must maintain active enrollment and payment for the full 90 days, submit all required documentation, respond to service requests, and not file chargebacks before submitting a refund request.
Refunds are limited to monthly service fees paid during the 90-day period and exclude enrollment fees, add-on services, and third-party costs. Requests must be submitted in writing within 10 business days following the 90-day period and are processed within 10–14 business days.
33. 30-Day Money-Back Guarantee (Pay-Per-Delete)
Our Pay-Per-Delete (PPD) model charges fees upon confirmed deletion. The 30-Day Guarantee applies to PPD fees for deletions that reappear due to creditor re-reporting within 30 days. No refund is issued for accounts that remain deleted or that reappear after the guarantee window. Approved refunds (minus payment gateway fees) are processed within 10–14 business days.
34. Definitions of Add-On Services
Add-On Services
Optional services offered in addition to a core package. Selection is voluntary and may require additional fees. Results are not guaranteed.
Rapid Rescore / Rapid Rescore Boost & Elite
Requests expedited updates when documentation verifies a legitimate change. Does not alter credit data or guarantee a specific score outcome. The Elite tier prioritizes time-sensitive events such as mortgage or auto financing.
Authorized User / Tradeline Services
Adding a consumer as an authorized user on an existing credit account where legally permissible. Does not involve creation of false accounts or misrepresentation.
Consumer Law Attorney Services & Legal Review
Access to licensed consumer law professionals for review of potential violations under applicable laws (including FCRA). Limited to review, guidance, or escalation — does not guarantee removal of accounts or legal outcomes unless separately agreed in writing.
Certified Rapid Mail Processing
Document delivery using certified or trackable mail with proof of receipt. Supports recordkeeping but does not control bureau or creditor processing speeds.
Financial Wellness Products & Credit Monitoring
Educational tools, monitoring services, and financial resources for informational and support purposes only. Do not constitute financial, legal, or investment advice and do not directly impact credit scores.
General Questions
What is an authorized user tradeline?
A credit account (usually a credit card) where you are added as an authorized user. The primary account's positive history — payment history, age, and credit limit — can potentially reflect on your credit report, helping build your credit profile.
Is using authorized user tradelines legal?
Yes. The process complies with ECOA and is supported by FICO and VantageScore. Creditory adheres fully to TSR, FCRA, and CROA. We facilitate legitimate authorized user additions without making false claims about credit scores or guaranteed results.
What results can I expect?
There is no guarantee of specific credit score outcomes. Factors affecting impact include your current credit profile, presence of negative items, tradeline characteristics, and the credit scoring model used.
How long will the tradeline stay on my account?
You are listed as an active authorized user for approximately two reporting cycles (about two months). Extensions are available in one-cycle increments at approximately half the original purchase price.
Will I receive a physical card or account access?
No. As an authorized user you will not have access to the actual credit card. The arrangement only impacts your credit report, and you are not financially liable for any account activity.
Eligibility & Selection
Who can purchase authorized user tradelines?
Most individuals with a credit report who are at least 18 years of age are eligible. The tradeline's influence depends on your existing credit profile.
What makes a high-quality tradeline?
Long account history (10+ years), a clean payment record, low utilization (balance under 10% of limit), and a high credit limit ($10,000–$50,000+).
When should I purchase a tradeline?
At least 5 days before the tradeline's reporting date (10 days for American Express). Many consumers purchase before major credit applications such as a mortgage or auto loan.
Process & Reporting
How long does it take for a tradeline to appear?
Typically 7–30 days (1–2 billing cycles) depending on the reporting schedule of the primary account holder and the credit bureaus.
What if my tradeline doesn't post?
Contact Creditory's support team. You are eligible for a full refund, store credit, or exchange if the tradeline does not post to at least two bureaus within the reporting period (see Section 20).
How do tradelines impact credit utilization?
The tradeline's credit limit becomes part of your overall available credit. Low utilization on the tradeline can help reduce your overall utilization percentage — a key scoring factor.
Risks & Compliance
Are there risks associated with tradelines?
While generally safe and legal, risks include misuse or misunderstandings. Creditory uses ethical practices and full TSR, FCRA, and CROA compliance. You are not responsible for debts of the primary cardholder.
Can a tradeline guarantee a specific credit score?
No. No legitimate company can guarantee a specific credit score change. Results depend on factors outside our control.
Should I use tradelines as my only credit strategy?
No. Effective credit improvement combines tradelines with utilization reduction (below 30%), dispute of inaccuracies, primary tradeline building, and on-time payment consistency.
35. AI-Powered Platform
Creditory utilizes artificial intelligence (AI) technologies throughout its platform to enhance the user experience, deliver personalized recommendations, and support credit education. AI-powered features include but are not limited to: the CREDO conversational agent, the Credit Optimization Intelligence System (COIS), the Credit Optimization Plan (COP), Smart Matching for tradeline recommendations, and automated lead routing and follow-up workflows.
By using any AI-powered feature on the Creditory platform, you acknowledge and agree to the following:
- AI outputs are generated algorithmically and are for informational purposes only. They do not constitute financial, legal, or credit repair advice.
- AI recommendations are based on information you provide and may not account for your full financial picture.
- Creditory does not guarantee the accuracy, completeness, or fitness for a particular purpose of any AI-generated content.
- You should consult a licensed financial advisor or credit professional before making significant financial decisions.
- AI features may be updated, modified, or discontinued at any time without prior notice.
36. CREDO AI Agent
CREDO (Credit & Revenue Engagement Digital Operator) is Creditory's AI-powered conversational agent available on the website. CREDO is designed to:
- Guide users through a personalized credit intake process;
- Answer general credit education questions;
- Recommend relevant Creditory products and services based on user-submitted information;
- Connect users with the appropriate resources, services, or support staff.
By interacting with CREDO, you consent to the collection and use of information you voluntarily provide during the conversation, including your name, email address, credit score range, and stated financial goals, for the purpose of delivering personalized recommendations and follow-up support.
37. Credit Optimization Intelligence System (COIS)
The Credit Optimization Intelligence System (COIS) is an AI-generated personalized analysis designed to provide users with an overview of their credit optimization pathway, including key opportunities, dispute priorities, and score improvement strategies based on information provided by the user.
37.1 Nature of COIS
- COIS is generated based solely on information voluntarily submitted by the user. It is not based on a live credit pull or official credit report.
- COIS is provided for informational and educational purposes only and does not constitute credit counseling, financial advice, or a credit repair service agreement.
- COIS outputs are not reviewed or verified by a licensed professional prior to delivery unless separately contracted.
37.2 No Guarantee of Results
Creditory makes no representation or warranty that following a COIS recommendation will result in any improvement to your credit score, record, or financial standing. All credit improvement outcomes depend on individual circumstances, creditor behavior, bureau policies, and actions taken by the user.
37.3 Availability & Pricing
COIS may be offered as a complimentary feature during promotional periods or as a paid premium feature at Creditory's discretion. Access to COIS, including free or premium tiers, may be modified, restricted, or discontinued at any time without prior notice. Creditory reserves the right to transition COIS from a free to a paid service at any time.
37.4 Data Use
Information submitted to generate a COIS report may be stored securely and used to deliver the report, follow up with relevant product recommendations, and improve our AI models. Your data will not be sold to third parties. See our Privacy Policy for full details.
38. Credit Optimization Plan (COP)
The Credit Optimization Plan (COP) is a structured, personalized roadmap generated for users based on their credit profile, stated goals, and COIS analysis. The COP outlines recommended actions, timelines, and product suggestions intended to support the user's credit improvement journey.
38.1 Nature of COP
- The COP is an AI-generated document based on user-submitted data. It is not a legally binding contract, a certified credit repair plan, or a guarantee of any outcome.
- The COP is provided for informational and planning purposes only and should be used as one of several tools in the user's credit improvement strategy.
- Recommended actions within the COP may include third-party products or services. Creditory is not liable for outcomes resulting from the use of third-party services.
38.2 No Guarantee of Outcomes
Creditory does not guarantee that following a COP will result in any specific credit score change, loan approval, or financial outcome. Results depend on factors outside Creditory's control including creditor behavior, credit bureau processing, user compliance, and individual credit history.
38.3 Professional Advice
The COP does not replace advice from a licensed financial advisor, credit counselor, or attorney. Users with complex credit situations, active legal proceedings, or significant debt are encouraged to seek professional guidance in addition to using the COP.
38.4 Updates & Revisions
A COP reflects the information available at the time of generation. Creditory is not obligated to update or revise a COP following changes in the user's credit profile, market conditions, or product availability. Users may request a new COP at any time subject to applicable fees or feature access.
