By accessing or using Credit Comeback's website, software platform, and related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Services. These Terms constitute a legally binding agreement between you and Credit Comeback LLC ("Company," "we," "us," or "our"). We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Services after any changes constitutes acceptance of the revised Terms.
Credit Comeback provides a credit repair management platform that enables users to track credit scores, manage dispute processes with credit bureaus, upload and store documents, communicate with credit repair professionals, and process payments for credit repair services. Our platform facilitates the credit repair process by providing tools for generating dispute letters to Equifax, Experian, and TransUnion, tracking dispute responses, and monitoring credit score progress over time. We act as a credit repair organization as defined under the Credit Repair Organizations Act (CROA).
You must be at least 18 years of age and a legal resident of the United States to use our Services. By creating an account, you represent that all information you provide is accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.
Our Services are offered on a subscription basis with pricing as displayed on our website. All fees are charged in U.S. dollars. By subscribing, you authorize us to charge your selected payment method on a recurring basis. You may cancel your subscription at any time; however, fees already paid are non-refundable except as required by applicable law. If a payment fails, we may suspend access to your account until the balance is resolved. We reserve the right to change our pricing with 30 days' advance notice to existing subscribers.
You agree to use the Services only for lawful purposes and in accordance with these Terms. You shall not: (a) upload false, misleading, or fraudulent information; (b) attempt to gain unauthorized access to any part of the Services; (c) use the Services to harass, abuse, or harm others; (d) reverse engineer, decompile, or disassemble any part of the platform; (e) use automated systems or bots to access the Services; (f) share your account credentials with third parties; or (g) use the Services in any manner that could damage, disable, or impair the platform.
In accordance with the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., we inform you of the following: You have the right to dispute inaccurate information in your credit report by contacting the credit reporting agency directly. You have the right to obtain a copy of your credit report from a credit reporting agency. You have the right to receive a written contract before any services are performed. You have the right to cancel the contract within three (3) business days from the date you signed it. No one can legally remove accurate and timely negative information from a credit report. Credit repair organizations cannot require payment until services have been fully performed.
Credit repair results vary depending on individual circumstances. We do not guarantee any specific outcome, credit score improvement, or removal of negative items from your credit report. The credit bureaus and creditors make independent decisions regarding disputes. While our platform provides professional tools and guidance, the ultimate results depend on factors beyond our control, including the accuracy of information on your credit report and the responsiveness of credit bureaus and creditors.
All content, features, and functionality of the Services — including but not limited to text, graphics, logos, icons, images, software, and the overall design — are the exclusive property of Credit Comeback LLC and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of our intellectual property without our prior written consent.
Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We collect, use, and protect your personal information as described in our Privacy Policy. By using the Services, you consent to the collection and use of your information as outlined therein. We implement industry-standard security measures to protect your sensitive data, including encryption, secure servers, and access controls.
To the maximum extent permitted by applicable law, Credit Comeback LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Services. Our total liability for any claims arising under these Terms shall not exceed the total amount you paid to us in the twelve (12) months preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.
We may terminate or suspend your access to the Services immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty DISCLAIMERS, indemnity, and limitations of liability. You may request deletion of your account data by contacting our support team.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action lawsuit.
If you have any questions about these Terms of Service, please contact us at: Credit Comeback LLC, Email: support@creditcomeback.com, Phone: (800) 555-0199. We aim to respond to all inquiries within 2 business days.