Terms of Service

These Terms of Service ("Terms") govern your access to and use of the CreditGod.Online website, applications, and services (collectively, the "Service") operated by CreditGod.Online ("CreditGod", "we", "us", or "our"). By accessing or using the Service, registering for an account, or clicking "I agree", you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy and Credit Repair Disclosure, which are incorporated here by reference.

If you do not agree to these Terms, you must not access or use the Service.

"Consumer report" and "consumer reporting agency" have the meanings given in the Fair Credit Reporting Act (FCRA). "Bureaus" means the nationwide consumer reporting agencies Equifax, Experian, and TransUnion. "Dispute" means a written request to a bureau or furnisher to investigate information you believe is inaccurate, incomplete, or unverifiable. "AXIS" means our AI account manager feature. "Membership" means a paid subscription to the Service.

You must be at least 18 years old, a resident of the United States, and able to form a legally binding contract to use the Service. You represent and warrant that all information you provide is accurate, current, and complete, and that you are the consumer whose credit information you submit, or that you are legally authorized to act on that consumer's behalf.

CreditGod is a technology platform that helps you organize, draft, prepare, track, and manage disputes of information on your consumer credit reports that you believe to be inaccurate, incomplete, or unverifiable. Our AI account manager analyzes the information you provide, proposes a dispute strategy, generates dispute letters, and helps you track the status of each item.

We are not a law firm, attorney, or provider of legal advice, and we are not a consumer reporting agency. The Service is a self-help tool and convenience; you retain full control over and responsibility for every action taken on your behalf.

To use most features you must create an account using an email and password or a supported single sign-on provider. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account.

Certain features (including sending disputes, escalations, and downloading dispute letters) require an active paid Membership of $39.99 per month. By purchasing a Membership, you authorize us and our third-party payment processor (Stripe) to charge your selected payment method the Membership fee, plus any applicable taxes, on a recurring basis until you cancel.

Your Membership renews automatically for successive billing periods unless cancelled before the renewal date. Prices may change; we will give you advance notice of any price change, and continued use after the change constitutes acceptance of the new price.

Consistent with the Credit Repair Organizations Act, you may cancel your Membership for any reason within three (3) business days of your initial purchase and receive a full refund, with no penalty or obligation. To exercise this right, cancel from your dashboard's Billing page or contact us through the Contact page.

Cancelling within this window ends your access immediately and submits your refund for processing. Refunds are issued to your original payment method and typically post within 5–10 business days, depending on your bank or card issuer.

You may cancel at any time from your dashboard. Cancellation stops all future charges. Except for the 3-day money-back guarantee above, fees already paid are non-refundable, and you will retain access to paid features until the end of your then-current billing period. We do not provide prorated refunds for partial periods unless required by law.

You agree to: (a) provide accurate, truthful information; (b) only dispute items you have a good-faith belief are inaccurate, incomplete, or unverifiable; (c) review all letters and communications generated by the Service before they are submitted; and (d) comply with all applicable laws.

By using the Service, you authorize CreditGod to use the information you provide to prepare and, where you direct, submit disputes and related correspondence to the bureaus and furnishers on your behalf. You may revoke this authorization at any time by cancelling your account.

You agree not to use the Service to: submit information you know to be false; impersonate any person or entity; dispute accurate and verifiable information for the purpose of evading legitimate obligations; violate any law; reverse engineer, scrape, or disrupt the Service; or infringe the rights of others. We may suspend or terminate accounts that violate this section.

Nothing on the Service constitutes legal, financial, tax, or accounting advice. AXIS is an automated tool and may make mistakes. For advice about your specific situation, consult a licensed professional.

We do not and cannot guarantee any particular outcome, including any specific increase in your credit score or the deletion or modification of any item on your credit report. Outcomes depend on the accuracy of the underlying information and the independent decisions of the bureaus and furnishers. Anyone who guarantees a specific credit result is likely violating the law.

The Service relies on third parties, including Stripe (payments), Resend (email), Anthropic (AI processing), and the consumer reporting agencies. Your use of those services may be subject to their own terms. We are not responsible for the acts or omissions of third parties.

The Service, including its software, design, text, and trademarks, is owned by CreditGod and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use. The dispute letters generated for you may be used for your own credit-repair purposes.

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, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, secure, or error-free.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITGOD AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 3 MONTHS PRECEDING THE CLAIM.

You agree to indemnify and hold harmless CreditGod from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your submission of inaccurate or unlawful information.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or if we discontinue the Service. Sections that by their nature should survive termination will survive.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute not resolved informally will be resolved by binding arbitration on an individual basis; you waive the right to participate in a class action, except where prohibited by law. Nothing here limits your rights under the Credit Repair Organizations Act.

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service. Your continued use after the effective date of the updated Terms constitutes acceptance.

Questions about these Terms? Reach us through the Contact page on this site.