These Terms & Conditions govern your use of the Credit Stoppers website, forms, educational resources, communications, and services. By using our website or submitting information to Credit Stoppers, you agree to these terms.
Credit Stoppers provides credit education, credit-improvement assistance, credit-building guidance, credit-monitoring resources, and funding-readiness support. Certain services may involve reviewing consumer credit information, identifying potentially inaccurate or otherwise disputable reporting, and helping clients understand possible next steps.
Credit Stoppers is not a credit bureau, lender, bank, law firm, or government agency. We do not provide legal representation and do not make lending or credit-approval decisions.
By using this website or submitting a form, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide the contact information submitted.
You agree not to use this website or Credit Stoppers services for unlawful, fraudulent, abusive, misleading, or unauthorized purposes.
Submitting a Credit Review allows Credit Stoppers to evaluate the information you voluntarily provide and determine what type of educational resource, credit-improvement service, credit-building strategy, or funding-readiness assistance may be relevant to your goals.
Submission of a Credit Review does not create a guarantee that Credit Stoppers will accept you into a particular program or that any specific result will occur.
Credit Stoppers may assist clients in reviewing credit reports and addressing information that may have a legitimate basis for investigation, correction, or dispute. We do not promise that every negative item can or will be removed.
Clients are responsible for providing accurate information and for reviewing communications, reports, documentation, and responses related to their own credit profile.
Credit-building recommendations may include educational information about payment history, utilization, account mix, inquiries, secured products, credit-builder products, rent reporting, monitoring, or other tools.
Any third-party credit-building product has its own eligibility requirements, fees, terms, underwriting standards, and privacy practices. Credit Stoppers does not control or guarantee the performance of third-party products.
Credit Stoppers may provide educational information and guidance intended to help clients understand financing readiness and identify potential personal or business financing opportunities.
Credit Stoppers does not make lending decisions and cannot guarantee approval, a particular credit limit, loan amount, interest rate, term, lender, or amount of funding.
Applications are ultimately submitted by the client to third-party financial institutions. Approval decisions are made solely by those third parties.
Program descriptions, pricing, included services, monitoring arrangements, mailing costs, and other service details may be displayed on the Credit Stoppers website or provided in a separate service agreement.
If you enroll in a paid service, the specific agreement presented to you at enrollment controls the scope of services, payment obligations, timing, cancellation rights, refund terms, and any other program-specific conditions.
Credit Stoppers may update future program pricing or offerings. Changes do not retroactively alter an existing signed agreement unless both parties agree or the agreement otherwise permits the change.
When using Credit Stoppers services, you agree to:
Credit Stoppers does not instruct clients to stop paying valid debts or financial obligations.
The Credit Stoppers website may provide links to credit bureaus, credit-monitoring providers, banks, lenders, credit unions, credit-building services, government resources, or other third-party websites.
Third-party services are governed by their own terms, privacy policies, eligibility criteria, pricing, and business practices. Credit Stoppers is not responsible for the content, availability, security, decisions, or performance of third-party services.
Some links on the Credit Stoppers website may be referral or affiliate links. Credit Stoppers may receive compensation if you enroll in or obtain a product through certain links, at no additional cost to you unless otherwise disclosed.
See our Affiliate Disclosure for additional information.
By providing your email address or telephone number, you authorize Credit Stoppers to contact you regarding requests you initiate and services you use, subject to your communication preferences and applicable law.
If you separately opt in to receive text messages, Credit Stoppers may send service-related or promotional messages according to the consent you provide.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for assistance.
Marketing text-message consent is optional and is not a condition of purchasing or using Credit Stoppers services.
See our SMS Terms & Conditions and Privacy Policy.
Your use of the website and submission of personal information are also governed by our Privacy Policy.
Unless otherwise stated, the Credit Stoppers name, website content, written materials, graphics, branding, educational content, layouts, and original materials are owned by or licensed to Credit Stoppers and are protected by applicable intellectual-property laws.
You may use website materials for your own personal, non-commercial use. You may not reproduce, republish, sell, distribute, or commercially exploit Credit Stoppers materials without permission.
You may not:
Information provided on the Credit Stoppers website, in resources, or during general educational communications is intended for informational and educational purposes. It should not be treated as legal, tax, accounting, investment, or individualized financial advice.
You should consult an appropriately licensed professional when you need advice within those professional areas.
To the extent permitted by law, the website and general informational materials are provided on an "as is" and "as available" basis. Credit Stoppers does not warrant that the website will always be uninterrupted, error-free, or free from harmful components.
To the maximum extent permitted by applicable law, Credit Stoppers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from website use, third-party services, financing decisions, or reliance on general educational information.
Nothing in these Terms limits rights or remedies that cannot legally be waived or limited under applicable law.
To the extent permitted by law, you agree to be responsible for losses, claims, or expenses arising from your unlawful use of the website, your material violation of these Terms, or information you knowingly submit without authorization or with fraudulent intent.
Credit Stoppers may update these Terms from time to time to reflect changes in our website, services, business practices, or legal requirements. Updated Terms will be posted on this page.
Your continued use of the website after an update constitutes acceptance of the revised website Terms, subject to any rights that cannot be waived under applicable law.
These website Terms do not replace any separate contract, credit-repair agreement, authorization, disclosure, payment agreement, or other service-specific document that you may sign with Credit Stoppers.
If a service-specific agreement conflicts with these general website Terms, the service-specific agreement will control for that service to the extent permitted by law.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
Questions regarding these Terms & Conditions may be sent to:
Credit Stoppers
Email:
[email protected]
Website:
https://creditstoppers.com
These Terms should be read together with the Privacy Policy, SMS Terms & Conditions, Affiliate Disclosure, Credit Repair Disclosures, and any service-specific agreement that applies to your account or program.