The fine print, in normal print.

CreditDisputeCo (“we”, “our”, or “us”) provides a web-based platform that analyzes the credit report you provide and drafts dispute letters, checklists, and timelines based on the Fair Credit Reporting Act (FCRA), using AI assistance. When you use the Service you enter into an agreement with us on these Terms.

CreditDisputeCo is operated as a sole proprietorship by Muhammad Zulnorain (Pakistan). In these Terms, “we”, “our”, and “us” refer to the operator of the Service.

CreditDisputeCo is an educational document-assistance tool. It is not a law firm, not a credit repair organization, and not a credit services business. Nothing on this site or in its output is legal advice.

You must be at least 18 years old and capable of forming a legally binding contract to use the Service. By creating an account you represent that you meet these requirements and that all information you provide is accurate and complete.

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• Email sign-ups must verify their email address before signing in; verification links expire after 24 hours.
• You must notify us immediately at support@creditdisputeco.com if you suspect unauthorized access to your account.
• We reserve the right to suspend or terminate accounts that violate these Terms.

You agree not to:

• Use CreditDisputeCo for anyone's credit report but your own, or reports you're authorized to handle.
• Upload someone else's report without their permission.
• Use the Service to process or distribute unlawful, harmful, or fraudulent content.
• Attempt to disrupt the Service, scrape it, or abuse the analysis API beyond permitted limits.
• Resell or sublicense access to the Service without our written consent.
• Use the Service or its output to infringe the rights of others.
• Circumvent access controls, authentication, free-plan limits, or billing systems.

• You confirm that every item you choose to dispute is, to your knowledge, inaccurate or incomplete — never dispute items you know are accurate.
• You review every letter before sending it and verify that the personal details and account references are correct.
• You print, sign, and mail your own letters. CreditDisputeCo doesn't submit anything on your behalf.
• You understand bureau investigation timing (generally 30 days from receipt, up to 45 in some cases) and track your own deadlines.

Nobody — not us, not a law firm, not a $149/month service — can guarantee that a bureau will delete an item or that your credit score will change. CreditDisputeCo provides correctly structured dispute documents; the outcome depends on the bureaus and the companies that furnished the information.

Parts of the Service use AI. The AI reads the credit report text you provide, flags items that look inaccurate or incomplete, and drafts dispute letters from our document templates. Because it is AI-generated, the output can be wrong, incomplete, or outdated — it may miss real issues or flag things that are not actually errors.

You are responsible for:

• The report and any content you submit — only upload your own report or one you are authorized to handle.
• How you use or rely on the AI's output.
• Checking every generated letter for accuracy before you mail it (see Section 5).
• Making sure you have the rights to anything you upload.

You must not use the AI to:

• Create false or misleading statements — including disputing items you know are accurate.
• Impersonate a law firm, a credit bureau, a government body, or any other person or organization.
• Produce unlawful, fraudulent, harassing, or deceptive content.
• Try to bypass the Service's safeguards or get the AI to do anything these Terms forbid.

Ownership. You keep ownership of your report and of the letters drafted for you. By using the Service you grant us a limited, non-exclusive license to process that content solely to provide the Service to you. Do not use the Service to infringe anyone's intellectual property or other rights. If you believe content on the Service infringes your rights, email support@creditdisputeco.com with details and we will act. Repeated infringement may result in account suspension or termination.

Our rights. We may refuse or filter AI output, remove content, restrict features, or suspend or terminate accounts where we believe these Terms have been violated or abuse is suspected.

AI output is not legal, financial, or tax advice and is not a substitute for qualified professional advice. Always review output before relying on it.

Paid plans are billed through our payment provider acting as our merchant of record: our payment provider handles payment processing, invoicing, tax compliance, and refunds on our behalf. The price shown at checkout is final. By subscribing you also agree to our payment provider's buyer terms.

• Free plan. The Free plan costs $0 — no credit card, no trial timer. Paid plans are charged the applicable plan price from the start of the subscription.
• Billing cycle. Subscriptions are billed in advance — monthly or yearly, depending on the plan you choose — in USD.
• Upgrades and downgrades. Downgrading to the Free plan takes effect immediately. Upgrades and other changes go through checkout or the billing portal and take effect as shown there. You can manage your plan from Settings at any time.
• Failed payments. If a payment fails, we'll notify you and retry. Continued non-payment returns your account to the Free plan.
• Refunds. A paid payment is refundable within 24 hours only if you haven't used any of its credits. See our refund policy for details.

You may cancel your subscription at any time from Settings. Cancellation takes effect at the end of your current billing period — you keep full access until then, and your account returns to the Free plan afterward. Your letters and history stay in your account within Free-plan limits. We don't charge cancellation fees.

Your use of the Service is also governed by our privacy policy. Key points:

• Your credit report PDF is parsed and redacted in your browser — the raw file never leaves your device.
• Only redacted report text is sent to our AI provider to identify disputable items.
• Your analyses, findings, and letters are stored in your account until you delete them — or until your plan's retention period ends (Free: 30 days, Plus: 1 year), after which older items are deleted automatically.
• You can delete your account and all associated data at any time from Settings.

The Service, including its software, design, and trademarks, is owned by CreditDisputeCo and protected by copyright and other intellectual property laws. These Terms don't grant you any ownership rights.

You retain ownership of the content you upload and create. By using the Service you grant us a limited, non-exclusive license to process that content solely to provide the Service to you.

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We don't warrant that analyses will flag every disputable item, that letters will produce any particular bureau response, or that the Service will be uninterrupted or error-free.

You are solely responsible for reviewing generated documents before using them for any purpose. For complex situations (identity theft, mixed files), we point you to free official resources like IdentityTheft.gov and encourage consulting a consumer attorney.

To the maximum extent permitted by applicable law, CreditDisputeCo and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising out of or in connection with your use of the Service, even if advised of the possibility of such damages.

Our total cumulative liability for any claims arising under these Terms shall not exceed the greater of (a) the amounts you paid to us in the 12 months preceding the claim or (b) $100 USD.

You agree to indemnify and hold harmless CreditDisputeCo and its affiliates from any claims, damages, costs, and expenses (including reasonable legal fees) arising from (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any third-party rights.

CreditDisputeCo is operated from Pakistan. These Terms are governed by the laws of Pakistan, without regard to conflict-of-law principles. Any dispute should first be raised with us at support@creditdisputeco.com, and we will try to resolve it informally.

Nothing in these Terms limits any rights you have under the mandatory consumer protection laws of the country where you live.

We reserve the right to modify or discontinue any part of the Service at any time. We will provide at least 14 days' notice for material changes that adversely affect paid subscribers.

We may update these Terms from time to time. The updated Terms will be posted on this page with a new “Last updated” date. Continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.

We may terminate or suspend your account immediately if you breach these Terms, without prior notice or liability. Upon termination, your right to use the Service ceases and we may delete your data in accordance with our data retention practices. You may terminate your own account at any time from Settings.

Questions about these Terms? Reach us via the contact page or directly at support@creditdisputeco.com.