Consent Agreement

Last updated: April 1, 2026

Please read this Consent Agreement carefully before using Credit Coach services.

By creating an account and using our Service, you acknowledge that you have read, understood, and agree to the terms outlined in this Consent Agreement.

1. Authorization to Access Credit Report

By using our Service, you authorize Credit Coach to access your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) for the purpose of analyzing your credit profile and identifying items for potential dispute. This authorization is granted for the duration of your active subscription.

2. Authorization to Prepare and Submit Disputes

You authorize Credit Coach to prepare dispute letters on your behalf and to mail them to the credit bureaus and, where applicable, to data furnishers. All disputes will be based on items identified during our analysis of your credit report. You will have the opportunity to review your action plan before disputes are submitted.

3. Understanding of Services

You acknowledge and understand that:

  • Credit Coach provides credit analysis, dispute preparation, and credit improvement support services.
  • Credit Coach is not a law firm and does not provide legal advice or legal representation.
  • Results vary and Credit Coach does not guarantee the removal of any items from your credit report or any specific improvement in your credit score.
  • You have the right to dispute items on your credit report directly with the credit bureaus at no cost without using a third-party service.
  • Accurate, current, and verifiable information cannot be removed from your credit report through the dispute process.
  • The credit improvement process takes time and individual results depend on many factors specific to your credit profile.

4. Right to Cancel

You have the right to cancel this agreement within 3 business days from the date you signed up for our Service without penalty or obligation, in accordance with the Credit Repair Organizations Act (CROA). After the 3-day cancellation period, you may still cancel your subscription at any time through your account dashboard.

5. Accuracy of Information

You agree to provide accurate and truthful information to Credit Coach, including your identity information and details about your credit situation. Providing false information may result in termination of your account and could have legal consequences.

6. Communication Consent

By providing your email address and phone number, you consent to receive communications from Credit Coach related to your account, service updates, dispute statuses, and other service-related notifications. You may opt out of non-essential communications at any time through your account settings.

7. Data Handling

Your personal and credit information will be handled in accordance with our Privacy Policy. We use industry-standard security measures to protect your data. You may request access to or deletion of your personal information at any time.

8. Your FCRA Rights

Under the Fair Credit Reporting Act, you have the right to:

  • Dispute inaccurate or incomplete information directly with credit bureaus at no cost.
  • Receive a free credit report annually from each bureau through AnnualCreditReport.com.
  • Know what is in your credit file and who has accessed it.
  • Place fraud alerts or credit freezes on your file.
  • Seek damages from violators of the FCRA.

9. Entire Agreement

This Consent Agreement, together with our Terms of Service, Privacy Policy, and Disclaimer, constitutes the entire agreement between you and Credit Coach regarding the use of our Service. In the event of any conflict between these documents, the Terms of Service shall prevail.

10. Contact

If you have questions about this Consent Agreement, please contact us at support@creditcoach.cc.