What CreditVector is
CreditVector is software and educational tooling that helps you understand your credit reports and prepare your own disputes. It is not a credit-repair organization, a law firm, or a substitute for legal or financial advice. You review, sign, and mail your own letters and stay in control throughout.
No guaranteed outcomes
You have the right under the Fair Credit Reporting Act to dispute information you believe is inaccurate. CreditVector helps you exercise that right — it cannot and does not promise that any item will be removed or changed, or that any credit score will improve. Accurate information cannot be removed by disputing it. Every outcome is decided by the credit bureaus and furnishers, not by us.
Your responsibilities
- Provide accurate information and use the service only for your own credit (or, for agencies, clients you are authorized to represent).
- Review every letter before sending it, and only dispute information you have a good-faith basis to believe is inaccurate.
- Keep your login credentials secure.
Billing and cancellation
Paid plans are billed through Stripe on the interval you select. You can cancel anytime from your billing settings; access continues until the end of the current billing period. One-time letter-pack credits do not expire and carry over month to month.
Service availability
The service is provided on an “as is” basis. We work to keep it reliable and accurate, but we do not warrant uninterrupted availability or that every analysis will be error-free. Please verify important details against your official credit reports.
Changes and contact
We may update these terms as the product evolves and will revise the date above when we do. Questions? Reach us through in-app support.