Legal Disclaimer

Last updated: March 2026

1. Not a Credit Repair Organization

ScoreUp AI is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not:

• Act as your representative or agent in dealings with credit bureaus or creditors
• Dispute items on your credit report on your behalf
• Charge advance fees for promised credit improvements
• Make representations about improving your credit rating or record
• Promise, guarantee, or imply specific credit score outcomes

2. Educational Platform Only

All content, tools, and services provided by ScoreUp AI are strictly educational and informational in nature. This includes:

• AI Credit Roadmaps: General educational guidance based on self-reported information. Not personalized financial advice.
• Dispute Letter Templates: Template documents that you customize, review, sign, and submit yourself. We generate the template — you control the content and submission entirely.
• Credit Academy Courses: Educational content about credit concepts, strategies, and best practices.
• Score Simulator: Rough estimates for educational illustration only. Not predictive of actual credit score changes.
• Business Credit Builder: Step-by-step educational guidance. Not legal or financial advice.

3. No Guarantees or Warranties

ScoreUp AI makes no representation or warranty that:

• Your credit score will increase by any specific amount or at all
• Any disputed item will be removed from your credit report
• Following our roadmap will result in any specific financial outcome
• Any information on our platform is accurate, complete, or current

Credit outcomes depend on your unique credit profile, creditor responses, bureau decisions, and many other factors outside our control. Results vary significantly between users.

4. User Responsibility

You are solely responsible for:

• The accuracy of any information you enter into the platform
• Reviewing all dispute letters before sending them
• Your own credit decisions, applications, and financial actions
• Compliance with all applicable laws in your jurisdiction
• Verifying information with qualified legal or financial professionals when needed

5. Not Legal or Financial Advice

Nothing on ScoreUp AI constitutes legal advice, financial advice, or professional consultation. For legal questions about your credit rights or financial decisions, consult a qualified attorney or certified financial planner.

6. Fair Credit Reporting Act (FCRA)

The dispute letter templates we provide reference your legal rights under the Fair Credit Reporting Act. However, we make no guarantee that submitting a dispute will result in any change to your credit report. Credit bureaus and data furnishers have their own processes and legal obligations.

7. Contact

Questions about this disclaimer: legal@scoreupai.com