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Legal · effective [EFFECTIVE DATE]

Terms of Service

1. What BuffYourCredit is

An educational tool that estimates credit health from information you enter. It is not a credit score from any bureau and is not financial, legal or credit advice.

2. Not credit repair

BuffYourCredit is not a credit repair organization. We don’t contact credit bureaus or creditors on your behalf and make no promise that your credit score or report will change.

3. Your account

You must be 18 or older and live in the United States. Keep your login secure. You’re responsible for activity on your account.

4. Free service

BuffYourCredit is free to use. We may change or discontinue features, and will tell you by email before removing anything you rely on.

5. Partner offers

Some pages show labeled third-party offers. We may earn a commission. Those products are governed by the provider’s own terms.

6. Liability and changes

[LIMITATION OF LIABILITY, GOVERNING LAW AND DISPUTE RESOLUTION]. We’ll notify you by email of material changes to these terms.

Questions? Contact us.