Terms of Service

1 About Credit Dispute Center

Credit Dispute Center is an independent marketing and referral platform. We are not the Internal Revenue Service, any credit bureau (Equifax, Experian, TransUnion), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or any government agency. We connect consumers with third-party credit dispute assistance service providers.

2 Use of This Website

You agree to use this website only for lawful purposes. You may not:

• Engage in fraudulent, deceptive, or illegal activity
• Attempt unauthorized access to any part of the site
• Reproduce or redistribute site content without written permission
• Transmit harmful, offensive, or disruptive content

3 Not Legal or Financial Advice

All content on this website is for general informational purposes only and does not constitute legal, financial, or professional advice. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information directly with each credit bureau for free. Always consult a licensed attorney or financial advisor for advice specific to your situation.

4 Call Referral & Third-Party Services

When you call our number, you may be connected with an independent third-party credit dispute service provider. By calling, you acknowledge:

• You are not calling a government agency or any credit bureau
• Credit Dispute Center may receive a fee for connecting you with a provider
• You are under no obligation to purchase any service
• Any service agreement is solely between you and the third-party provider
• We are not responsible for the actions or advice of any connected provider

5 No Guarantees

Credit Dispute Center makes no guarantees regarding:

• Dispute of any specific item from your credit report
• Improvement of your credit score
• Outcomes of any dispute filed with any bureau
• Availability or pricing of any third-party service

Credit bureaus make final determinations on disputes under applicable law, including the FCRA. Results vary by individual.

6 FCRA Disclosure

Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information on your credit report for free directly with each credit bureau. You may visit AnnualCreditReport.com to request your free reports. Using our service is optional and you are never required to pay for dispute assistance.

7 Limitation of Liability

To the fullest extent permitted by law, Credit Dispute Center and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or any connected third-party service.

8 Privacy

Your use of this website is governed by our Privacy Policy, incorporated here by reference. By using this site you consent to the data practices described therein.

9 Governing Law

These Terms shall be governed by applicable federal and state law. Any disputes shall be resolved through binding arbitration or in courts of competent jurisdiction.

10 Contact Us

Questions about these Terms?

• 📞 (888) 765-2431
• 🌐 www.creditdisputecenter.com
• 🕐 Available 7 Days a Week