1. Who operates the site
Credit Polaris provides this website and its related services.
2. Scope of these terms
These Terms govern your use of the Credit Polaris website, education library, free tools, and account features that link to them. By using those services, you agree to the current version of these Terms, subject to rights that cannot be waived by contract.
Joining the paid program is separate. Before paid enrollment, you must receive and sign a written credit-repair services agreement and receive the required Consumer Credit File Rights disclosure and Notice of Cancellation. If these site terms conflict with that signed agreement, the signed agreement controls for the paid service unless applicable law requires otherwise.
3. Eligibility and geography
The services are designed for U.S. consumers age 18 or older using them for their own credit information. You must provide accurate information and have legal capacity to accept these Terms.
Free education and tools may be available where paid enrollment is unavailable. Paid enrollment is offered only in jurisdictions where the operating company is authorized to provide it. Availability does not mean the company is registered, licensed, or bonded in every state.
4. Accounts and account security
You are responsible for accurate registration information, protecting your credentials, and promptly reporting suspected unauthorized access. Do not share an account or impersonate another person.
We may use reasonable identity and authorization checks before showing or acting on sensitive credit information. Government identification may be requested when needed for bureau work, fraud prevention, or another lawful purpose.
5. Credit-report authorization and free tools
Connecting or uploading a credit report requires a separate, explicit authorization describing the purpose of access and processing. We record the authorization version and time. Access must have a legally permissible purpose.
Free tools provide education, analysis, and materials you may use yourself. Free-tier use does not authorize Credit Polaris to mail dispute letters on your behalf and does not enroll you in paid service.
6. Paid program summary
If you enroll in the paid program, Credit Polaris reviews reports and prepares and mails personalized dispute correspondence when there is a good-faith basis to challenge information that may be inaccurate, incomplete, unverifiable, or obsolete. The complete scope, schedule, and responsibilities appear in the separately signed service agreement.
The paid program is $99 per month with no setup or signup fee. The first charge may occur only after the three-business-day cancellation window has ended and the mail provider confirms that every required first-round letter has entered the mail stream. A letter that is merely prepared, queued, or accepted for later processing does not qualify. Later monthly charges occur on the anniversary of the first charge while the program remains active.
7. No promise of a credit outcome
Credit Polaris is not a law firm and does not provide legal advice. We do not promise that a bureau or furnisher will remove an item, that a score will increase, or that a lender will approve an application. Accurate information may remain. Bureau, furnisher, scoring-model, and lender decisions are outside our control.
The separate 120-Day Fee Refund Guarantee is a promise about eligible program fees when its stated trigger is met. It is not a promise of any particular credit result.
8. Your Consumer Credit File Rights
Federal and state law give you important rights when you work with any company that offers to help improve your credit, and those rights belong to you whether or not you enroll with us. You have the right to dispute inaccurate, incomplete, unverifiable, or obsolete information in your own credit file directly with a credit bureau or furnisher yourself, for free.
You are entitled to a free copy of your credit report from each nationwide credit bureau in the circumstances the law provides, including once every twelve months and after certain adverse actions. Accurate, current, and verifiable information generally cannot be permanently removed, and no one can lawfully promise otherwise.
Before you sign any paid credit-repair services agreement, federal law requires that you receive a separate written Consumer Credit File Rights Under State and Federal Law disclosure and a written Notice of Cancellation. The complete statutory disclosure is presented for your review and signature during paid enrollment, and it, together with the signed service agreement, is the controlling source for these rights.
You may cancel a paid credit-repair services agreement without penalty or obligation within three business days after you sign it, and no fee may be charged or collected before contracted services have been performed.
9. Acceptable use
You may use the services only lawfully and for your own authorized purposes.
- Do not submit information you know is false or ask us to dispute information you know is accurate.
- Do not use a credit privacy number, synthetic identity, or another person's identifiers.
- Do not probe, disrupt, scrape, overload, reverse engineer, or bypass service security or access controls.
- Do not upload malware, infringing material, or information you lack authority to provide.
- Do not resell, misrepresent, or exploit the services in a way that harms consumers or third parties.
10. Your materials and feedback
You retain ownership of materials you provide. You give the operating company a limited permission to host, process, reproduce, and transmit them only as reasonably needed to provide, secure, support, and lawfully operate the services.
Do not provide material you do not have the right to use. Any separate feedback-reward offer must state its own eligibility and payment terms; submitting general feedback does not transfer your personal credit information into public content.
11. Our content and intellectual property
The site, branding, software, layouts, and original educational content are owned by or licensed to the operating company. Subject to these terms, you receive a personal, limited, revocable, nonexclusive license to use consumer-facing materials for your own noncommercial purposes.
Third-party names and marks belong to their owners. No affiliation or endorsement is implied unless expressly stated.
12. Copyright complaints and DMCA notices
We respect the intellectual-property rights of others and expect users to do the same. If you believe material available through the site infringes a copyright you own or control, you may send a written notice under the Digital Millennium Copyright Act (DMCA) to our designated copyright agent through the contact method published on our website contact page.
So we can act on it, a valid notice must include each of the following:
- A physical or electronic signature of the copyright owner or a person authorized to act on the owner's behalf.
- Identification of the copyrighted work you claim has been infringed.
- Identification of the material you claim is infringing, with information reasonably sufficient to let us locate it.
- Your contact information, such as an email address, so we can reach you.
- A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
- A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act on the owner's behalf.
13. Repeat infringers and counter-notices
We may remove or disable access to material we believe in good faith is infringing, and in appropriate cases we may terminate the accounts of users who are repeat infringers. If you believe your material was removed or disabled by mistake or misidentification, you may submit a written counter-notice containing the information the DMCA requires through the same contact method.
We are not your lawyer and cannot advise you on whether a notice or counter-notice is appropriate. Submitting a notice or counter-notice has legal consequences, so you may wish to consult an attorney before doing so.
14. Third-party services and links
The services may rely on or link to credit-data, payment, mail, email, identity, analytics, hosting, and other providers. Their terms and privacy practices may also apply when you interact with them. A link does not make third-party content our advice or guarantee its availability.
15. Privacy and electronic records
Our Privacy Policy explains data practices. Paid enrollment also requires an electronic-record consent flow that presents the agreement and required disclosures before signature, records the versions shown, and provides a copy by email and/or through the portal.
The signed agreement and account experience provide the applicable method for questions about electronic consent or paper copies.
16. Suspension and ending use
You may stop using free services at any time. We may restrict access to protect users, comply with law, address misuse, or maintain service integrity. We will not use these site terms to erase cancellation, refund, privacy, or other nonwaivable rights.
Paid-program cancellation, billing effects, continuing portal access, and re-enrollment are described in the signed service agreement and Cancellation Policy.
17. Disclaimers and no warranties
The website, education library, free tools, account features, and any related free services are provided on an as-is and as-available basis, without warranties of any kind, whether express, implied, or statutory, to the fullest extent permitted by law.
We disclaim all implied warranties, including implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the services will be uninterrupted, timely, secure, or error-free, that defects will be corrected, that content or analysis is complete or current, or that the services will meet your expectations.
Consistent with the No promise of a credit outcome section above, nothing on the site is a warranty or guarantee that any item will be removed, that a score will change, or that any lender will approve an application. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you, and this section does not limit any right that cannot be waived by law.
18. Limitation of liability
To the fullest extent permitted by law, Credit Polaris and its owners, operators, employees, contractors, and providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or credit opportunity, arising out of or relating to your use of, or inability to use, the site or the free services, even if we have been advised of the possibility of such damages.
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the site and the free, non-paid services will not exceed one hundred U.S. dollars ($100). Liability relating to the paid program is addressed in the separately signed service agreement and the applicable consumer-protection laws that govern it.
These limitations do not apply to liability that cannot be limited or excluded under applicable law, including certain rights under the Credit Repair Organizations Act and other consumer-protection statutes, and nothing in these Terms limits any right that cannot legally be waived. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
19. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Credit Polaris and its owners, operators, employees, contractors, and providers from and against third-party claims, demands, losses, liabilities, damages, costs, and reasonable attorneys' fees arising out of or relating to your misuse of the services, your violation of these Terms or of applicable law, information you submit that you knew was false or that you had no right to provide, or your infringement or violation of the rights of any third party.
We may assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate reasonably with our defense. This section does not require you to indemnify us for our own unlawful conduct or for any liability that cannot be shifted to you under applicable law.
20. Dispute resolution, arbitration, and class-action waiver
Please read this section carefully. Unless you opt out as described below, it requires that most disputes between you and Credit Polaris be resolved by binding individual arbitration instead of in court, and it waives class actions and jury trials. It never applies to any right or claim that cannot be waived or compelled to arbitration under applicable law.
Informal resolution first. Before starting a formal proceeding, you agree to give us a good-faith opportunity to resolve the dispute for at least sixty (60) days after you send a written description of the dispute and the relief you seek. Send that written description through the legal-notice method published on our website contact page once one is available; until then, account holders may send it through the portal concierge. Most concerns can be resolved this way.
Agreement to arbitrate. If we cannot resolve a dispute informally, you and Credit Polaris agree that any dispute, claim, or controversy arising out of or relating to the site, the free services, or these Terms will be resolved by binding individual arbitration administered by a recognized, neutral arbitration provider under its consumer arbitration rules then in effect, rather than in court, except as stated in this section. The arbitrator decides threshold questions about the scope and enforceability of this arbitration agreement.
Class-action and jury-trial waiver. Disputes will be brought only in your individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. You and Credit Polaris waive the right to a trial by jury. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.
Small-claims and other carve-outs. Either party may bring an individual claim in a small-claims court that has jurisdiction instead of using arbitration. Nothing in this section prevents either party from seeking injunctive or other equitable relief in court to protect intellectual property or stop unauthorized access, or from filing a complaint with a government agency. Claims and rights under the Credit Repair Organizations Act and similar consumer-protection laws are excluded from this section to the extent the law does not permit them to be arbitrated or waived.
Your right to opt out. You may opt out of this arbitration and class-action-waiver section within thirty (30) days after you first accept these Terms by sending a clear written opt-out notice that states your name and that you decline the arbitration agreement. Send it through the legal-notice method published on our website contact page once one is available; until then, account holders may send it through the portal concierge. Because we do not yet publish a public legal-notice channel that a non-member can use, the thirty-day opt-out window does not begin to run until such a channel is published, so no one loses the right to opt out while no channel exists. A timely opt-out will not affect any other part of these Terms and will not affect any separate arbitration term in a signed paid-service agreement.
Paid agreement and severability. If you enroll in the paid program, the dispute-resolution terms of your separately signed service agreement control for that service. If the class-action waiver is found unenforceable as to a particular claim, that claim will proceed in court while the rest of this section still applies. This section is intended to operate fairly and only as permitted by applicable law.
21. Governing law and venue
Except where applicable consumer-protection law requires otherwise, these Terms and any dispute relating to the site or the free services are governed by the substantive laws of the U.S. state in which the operating company is principally located, without regard to its conflict-of-laws rules, together with applicable U.S. federal law, including the Federal Arbitration Act for the arbitration section above.
To the extent a dispute is not subject to arbitration and may be heard by a court, you and Credit Polaris agree to the exclusive jurisdiction and venue of the state and federal courts located in that same jurisdiction, and each party consents to personal jurisdiction there. This choice of law and venue does not deprive you of the protection of the mandatory consumer-protection rules of the place where you live.
22. Service availability and professional advice
Education and software may be updated, interrupted, or contain errors. Nothing on the site is a substitute for advice from a qualified attorney, tax professional, financial adviser, lender, or credit counselor familiar with your circumstances.
23. Force majeure
We are not responsible for any delay or failure to perform free-service obligations caused by events beyond our reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, labor disputes, government action, utility or telecommunications failures, internet or hosting outages, cyberattacks, or failures of third-party providers. We will use reasonable efforts to resume affected services when the condition ends.
This section does not extend any deadline that applicable law makes non-extendable, and it does not affect your cancellation, refund, or other rights that cannot be waived.
24. Notices and contact
We may provide notices to you by posting on the website, by email to an address associated with your account, or through the customer portal. Notices are effective when posted or sent, and you are responsible for keeping your account contact information current.
You may send notices to us, including the legal notices described in these Terms such as copyright complaints, informal-dispute notices, and arbitration opt-outs, through the legal-notice method published on our website contact page once one is available. We do not currently publish a staffed public mailing address, phone number, or email address for legal notices; when a public legal-notice channel opens, it will appear on our contact page, and until then account holders may send these notices through the portal concierge. Any deadline in these Terms that depends on a published legal-notice channel does not begin to run until that channel is published.
25. Changes and nonwaiver
We may update these Terms as the services change. Material changes will be identified through the website or another appropriate notice. Changes to a separately signed paid-service agreement follow that agreement and applicable law.
Nothing in these Terms limits rights that cannot legally be waived.
26. Entire agreement, severability, and assignment
These Terms, together with the policies and notices they reference, are the entire agreement between you and Credit Polaris regarding the website and the free services, and they supersede prior understandings on that subject. A separately signed paid-service agreement governs the paid program and controls over these Terms for that service.
If any provision of these Terms is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
You may not assign or transfer these Terms without our prior consent. We may assign these Terms to an affiliate or to a successor in connection with a merger, acquisition, or sale of assets, consistent with our Privacy Policy. Nothing in these Terms creates third-party beneficiary rights.