Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Score Up Strategy website and services (“Services”). By accessing or using the Services, you agree to be bound by these Terms.

Section 01Services

Score Up Strategy provides structured credit analysis, dispute, and optimization services. The full scope of services and the relationship between Score Up Strategy and individual clients is governed by a separate signed Credit Services Agreement.

Section 02Eligibility

You must be at least 18 years of age and a legal resident of the United States to use the Services.

Section 03Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. Notify us promptly of any unauthorized access.

Section 04Credit Monitoring Requirement

Use of the Services requires active enrollment in a credit monitoring service. Monitoring is the financial responsibility of the client and is billed separately by the monitoring provider.

Section 05Payment

Pricing is disclosed at enrollment and on the Pricing page. Services begin immediately upon enrollment, with no payment collected during the initial 14-day service period. Payment terms are detailed in the signed Credit Services Agreement.

Section 06Right to Cancel

Pursuant to the federal Credit Repair Organizations Act, you may cancel your service agreement, without penalty or obligation, at any time before midnight of the third (3rd) business day after the date you sign the agreement. You may also cancel at any time thereafter by written notice; cancellation takes effect upon receipt.

Section 07No Guarantee of Results

Score Up Strategy does not guarantee specific outcomes, including but not limited to credit score increases, removal of any particular item from your credit profile, or approval for any credit, financing, or lending product. Outcomes vary.

Section 08Acceptable Use

You agree not to use the Services for any unlawful purpose, including disputing items you know to be accurate, current, and verifiable, or providing false information.

Section 09Intellectual Property

All content, branding, and materials on this site are the property of Score Up Strategy or its licensors and may not be reproduced or redistributed without permission.

Section 10Limitation of Liability

To the fullest extent permitted by law, Score Up Strategy shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Services. Score Up Strategy’s total aggregate liability shall not exceed the total amount you paid in the three (3) months preceding any claim.

Section 11Governing Law

These Terms are governed by the laws of the state in which Score Up Strategy is principally located, without regard to conflict-of-laws principles.

Section 12Changes

We may update these Terms at any time. Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

Section 13Contact

Questions about these Terms? Email [email protected].

Privacy Policy

Score Up Strategy (“we,” “us,” “our”) respects your privacy. This Policy explains what information we collect, how we use it, and how we protect it.

Section 01Information We Collect

• Identifying Information: Name, email, phone number, mailing address, and date of birth.
• Credit Information: Credit reports and score data accessed through your authorized credit monitoring service.
• Account Information: Login credentials, communication history, and service-related correspondence.
• Site Usage Data: Browser type, IP address, pages visited, and similar standard analytics.

Section 02How We Use Information

• To deliver the Services described in your Credit Services Agreement.
• To communicate with you about your account, services, and updates.
• To file disputes and communicate with credit bureaus, creditors, and collection agencies on your behalf.
• To meet legal and regulatory obligations.

Section 03How We Share Information

We do not sell your personal information. We share information only as follows:

• With credit bureaus, creditors, and other third parties as necessary to deliver Services.
• With service providers (e.g., payment processors, secure storage) bound by confidentiality.
• When required by law, subpoena, or valid legal process.

Section 04Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.

Section 05Your Rights

Depending on your state of residence, you may have the right to access, correct, or delete personal information we hold about you, and to opt out of certain disclosures. Submit requests to [email protected].

Section 06Cookies

We use cookies and similar technologies for site functionality and analytics. You can manage cookies through your browser settings.

Section 07Children

The Services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

Section 08Changes

We may update this Policy from time to time. The “Last updated” date reflects the most recent revision.

Section 09Contact

Questions about this Policy? Email [email protected].

Disclosures

Section 01Service Disclosure

Score Up Strategy provides credit analysis, education, and strategy services. We do not guarantee specific results. Outcomes vary based on individual credit profiles, the verifiability of reported items, and the responsiveness of credit bureaus, creditors, and other reporting entities.

Section 02No Legal, Financial, or Tax Advice

Information provided by Score Up Strategy does not constitute legal, financial, or tax advice. Clients seeking such advice should consult a qualified professional.

Section 03Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven (7) years old. Bankruptcy information can be reported for ten (10) years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding sixty (60) days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next sixty (60) days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within three (3) business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

Section 04Right to Cancel

You may cancel your service agreement, without penalty or obligation, at any time before midnight of the third (3rd) business day after the date you signed it. To cancel, deliver written notice to Score Up Strategy at [email protected] within that period.

Section 05Credit Monitoring

Active enrollment in a credit monitoring service is required. Monitoring is the financial responsibility of the client and is billed separately by the monitoring provider, not by Score Up Strategy.