Terms of Service
Last updated: September 22, 2026
Important: CreditShield provides education and self-help software that helps you understand your credit reports and prepare your own dispute letters. It is not a law firm and does not provide legal advice. If you need legal advice, consult a licensed attorney.
Software and education, not a credit repair service
CreditShield is not a credit repair organization as defined by the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). We do not perform credit repair on your behalf, do not contact bureaus or creditors for you, and make no representation that using the Service will improve your credit score or remove any item from your credit report. You are responsible for everything you do with letters you prepare.
1. Acceptance
By using creditshield.app (the "Service"), you agree to these Terms. If you don't agree, don't use the Service. We may update these Terms, and continuing to use the Service means you accept the changes.
2. The Service
Free app: a guided self-audit you complete from your own reports; round, deadline, score and certified-mail trackers; educational content; and 6 first-round letter types that assemble letters from the facts you enter.
Full Access: 5 additional escalation and negotiation letter types, AI prompts you run in your own AI account, and future features we add to Full Access.
Information you enter in the app is stored in your browser on your own device. It is not uploaded to us, and you are responsible for keeping backups.
3. Access
The free app requires an email address. Full Access is tied to the email address used at checkout, and you sign in with a one-time link sent to that address, so keep your email account secure. You must be 18 or older to use the Service.
4. Purchase
Full Access costs $47 (USD), one time, paid through Stripe. There is no subscription and no recurring charge.
All sales are final. No refunds. Full Access is a digital product delivered immediately, and the core app is free to use first.
People who bought an earlier CreditShield product before these Terms (the Toolkit software, the $47 Complete System, or the Credit AI Prompt Pack) receive Full Access at no charge.
5. Acceptable use
Don't use the Service to prepare disputes about credit reports that aren't yours without authorization; to dispute information you know is accurate; to provide credit repair services to others for pay; to access our systems without authorization; to scrape or reverse engineer the Service; or to break any law.
6. Your rights under federal law
- You can dispute inaccurate information directly with the credit bureaus at no charge.
- You can get free copies of your credit reports at annualcreditreport.com.
- No one can lawfully remove accurate, current and verifiable information from your credit report.
- Results are not guaranteed. The outcome of any dispute depends on the facts and on the investigation.
7. No warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND. We don't guarantee any item will be removed, any score change, that letters, prompts or content are free of errors, or uninterrupted operation. You are responsible for reviewing every letter before you send it.
8. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITSHIELD IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA OR CREDIT OPPORTUNITIES. OUR TOTAL LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.
9. Indemnification
You agree to indemnify CreditShield against claims arising from your use of the Service or your violation of these Terms.
10. Intellectual property
The Service, including its design, code, content, letter language and prompts, belongs to CreditShield. You own your personal data and the letters you prepare. You receive a limited, non-exclusive, non-transferable license for your own personal, non-commercial use.
11. Termination
We may suspend or end access if you violate these Terms or use the Service fraudulently.
12. Governing law
These Terms are governed by the laws of the State of Delaware, and disputes will be resolved in the state or federal courts located in Delaware.
13. Severability
If any provision is unenforceable, the rest remain in effect.