Disclaimer

About Creditily

Creditily is an AI-powered software platform that provides credit repair tools, templates, and educational resources. We offer both do-it-yourself software and optional done-for-you credit repair services depending on your subscription plan.

• Creditily Pro (DIY): You are responsible for generating, reviewing, and sending all dispute letters yourself.
• Creditily Premium (Software + Coaching): You receive access to coaching, community, and educational resources. Premium members may optionally enroll in complimentary done-for-you credit repair services where we handle disputes on your behalf.

Software and Services

Creditily Pro: Creditily provides access to professional dispute letter templates, AI-powered error detection, and educational resources to help you understand and exercise your rights under the Fair Credit Reporting Act (FCRA). The software guides you through the dispute process, but you maintain complete control and responsibility for all actions taken. You are the consumer disputing items on your own behalf. We provide the tools and education. You do the work.

Creditily Premium: Creditily Premium includes everything in Creditily Pro plus weekly live coaching calls, access to a private member community, personalized credit repair strategy guidance, and priority support. Premium members may optionally enroll in our complimentary done-for-you credit repair service at no additional charge. This service is optional and not all Premium members choose to use it.

No Guarantees

Results Vary: We do not guarantee specific outcomes or credit score improvements. Success depends on:

• The accuracy of information on your credit report
• How credit bureaus and creditors respond to your disputes
• Your individual financial situation
• The specific errors on your credit report
• How consistently you follow the dispute process (for DIY users)
• The quality and accuracy of documentation you provide (for done-for-you service)

We Cannot Remove Accurate Information: If information on your credit report is accurate and verifiable, it generally cannot be removed before the standard reporting period expires (typically 7 years for most negative items, 10 years for Chapter 7 bankruptcy). Whether you use our DIY software or our done-for-you service, we can only help you dispute items that are inaccurate, incomplete, or unverifiable.

Credit Bureau Discretion

Credit bureaus (Equifax, Experian, and TransUnion) make the final determination on whether to delete, modify, or verify items on your credit report. They are independent companies not affiliated with Creditily.

We have no control over:

• Credit bureau decisions or response times
• Creditor responses to verification requests
• How quickly bureaus process disputes
• Whether bureaus request additional documentation

This applies whether you are disputing items yourself using our DIY software or whether we are handling disputes on your behalf through our done-for-you service.

Federal Law Timing

Under the Fair Credit Reporting Act, credit bureaus typically have 30 days (sometimes 45 days) to investigate disputes. Our 40-day automatic report import cycle accounts for this legal requirement plus mail delivery time.

The credit repair process typically takes 3–6 months and may require multiple rounds of disputes. This timeline applies to both DIY and done-for-you services.

No Attorney-Client Relationship

Nothing on this website constitutes legal advice. Creditily does not provide legal services, and use of our software or services does not create an attorney-client relationship. We are not lawyers and do not practice law. This applies to our DIY software, Premium coaching services, done-for-you credit repair service, and all educational content on our platform.

If you have specific legal questions about your credit situation or your rights under the FCRA, please consult with a qualified attorney licensed in your jurisdiction.

Educational Information Only

All educational content, articles, videos, guides, and coaching provided through Creditily are for informational and educational purposes only. This information should not be considered professional legal, financial, or credit counseling advice. Your specific situation may differ, and results will vary based on your individual circumstances.

Third-Party Services

Credit Monitoring: Creditily integrates with SmartCredit, a third-party credit monitoring service, to provide access to your 3-bureau credit reports and scores. SmartCredit is an independent company with its own terms of service, privacy policies, and pricing.

Creditily Pro Pricing ($39.99/month):Your Creditily Pro subscription includes SmartCredit's 3-bureau credit monitoring service. The Creditily software platform itself is free. The $39.99 monthly fee covers SmartCredit's credit monitoring service, which is required to use Creditily. If you cancel your Creditily Pro subscription, you are also canceling your SmartCredit subscription. Creditily and SmartCredit are separate services with separate billing managed through Creditily.

Creditily Premium Pricing ($136.98/month):Your Creditily Premium subscription includes SmartCredit's 3-bureau credit monitoring service ($39.99) plus Premium Coaching & Community access ($97.00), and optional enrollment in done-for-you credit repair service (complimentary). If you cancel your Creditily Premium subscription, you are canceling access to all Premium benefits including coaching, community, and the optional done-for-you service.

Affiliate Relationships

Creditily may earn commissions from financial products and services recommended on this website through our financial services marketplace, including personal loans, credit cards, auto loan refinancing, student loan refinancing, debt consolidation services, banking products, business funding products, and insurance products.

These affiliate relationships do not affect the price you pay or the quality of service you receive. We work with reputable affiliate partners including SuperMoney and other financial service providers. You should always review terms and conditions carefully before signing up for any financial product.

Software Limitations

While our AI-powered error detection scans for 20+ types of errors, it may not catch every possible error on your credit report. You should always review your credit reports carefully yourself, even if using our done-for-you service.

We strive to keep Creditily available and functional at all times, but we do not guarantee uninterrupted access. The software may be temporarily unavailable due to scheduled maintenance, technical issues, or third-party service outages.

User Responsibility

For Creditily Pro (DIY) Users, you are responsible for:

• Reviewing all dispute letters generated by the software before sending them
• Printing and mailing dispute letters yourself
• Following up on disputes and tracking your own progress
• Complying with all applicable laws, including the FCRA

For Creditily Premium Users Enrolled in Done-For-You Service, you are responsible for:

• Providing accurate information and documentation (ID, proof of address)
• Reviewing and approving the credit repair strategy we recommend
• Maintaining your Premium subscription while services are being performed

Fraudulent Disputes: You agree not to dispute accurate information on your credit report. Disputing accurate information may be considered fraud under federal and state law. If we discover that you have provided false information or requested disputes of accurate items, we reserve the right to terminate your account immediately.

Limitation of Liability

To the maximum extent permitted by law:

• Creditily is not liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability to you shall not exceed the amount you paid us in the 12 months preceding any claim
• We are not liable for outcomes of your disputes with credit bureaus
• We are not liable for actions or inactions of SmartCredit or any credit bureaus, creditors, or collection agencies

State-Specific Regulations

Credit repair is regulated at both the federal and state level. Some states have additional requirements or restrictions on credit repair activities. For Premium members enrolled in our done-for-you credit repair service, we comply with all applicable federal and state credit repair organization laws, including the Credit Repair Organizations Act (CROA).

No Endorsement of Results

Testimonials and success stories featured on Creditily represent the experiences of individual users. These results are not typical and do not guarantee similar outcomes. Individual results will vary. Past performance does not guarantee future results.

Changes to This Disclaimer

We may update this disclaimer from time to time. We will notify you of material changes by email or through a prominent notice on Creditily. Your continued use of Creditily after changes constitutes acceptance of the updated disclaimer.

For More Information

For more information about credit repair and your rights under federal law, visit:

• Federal Trade Commission: ftc.gov/credit
• Consumer Financial Protection Bureau: consumerfinance.gov
• Annual Credit Report (free reports): annualcreditreport.com

Contact Us

If you have questions about this disclaimer or our services, please contact us:

Email: support@getcreditily.com
Address: Creditily, 5001 California Ave Suite 219, Bakersfield, CA 93309