Disclosures

CreditGod will describe process: identity verification, three-bureau reports through our credit data partners, God Mode analysis, electronic bureau disputes, certified furnisher mail, Boost Line enrollment subject to approval, lock guidance, and identity alerts.

CreditGod will not promise that any item will be deleted, that your score will increase by any amount, that you will be approved for credit, or that Boost Line will fund at $10,000. "Up to $10,000" is a marketed program ceiling; the approved limit ships.

CreditGod is not a law firm. God Mode is not a lawyer. Chat recommendations are not legal advice. Unsure matters escalate to a human specialist operating under company policies, not attorney-client privilege.

Disputes are limited to information that is inaccurate, incomplete, outdated, or unverifiable. If you tell us an item is yours and the facts are correct, we will not dispute it and it leaves the queue.

You agree not to instruct CreditGod to dispute accurate debt, to impersonate another person, or to submit false documents. Frivolous or abusive dispute instructions may result in service suspension under the Acceptable Use Policy.

You remain free to dispute directly with Equifax, Experian, and TransUnion at any time without using CreditGod.

The subscription price is $39.99 per month, billed monthly after the CROA cooling-off period unless you cancel. There is no setup fee and no per-deletion fee on the published plan.

During the 3-business-day window after you sign, no work begins and no charge is captured, unless a different compliant structure is disclosed to you in writing. See Cancellation & Refunds and the Notice of Cancellation form below.

Certified mail beyond 12 letters in a billing month is disclosed before any overage charge.

30-Day Money-Back Guarantee: cancel within 30 days of your first payment and we refund your CreditGod subscription fee in full, no questions asked. This is a refund of fees, not a promise of any credit outcome, and it is separate from your CROA 3-business-day cancellation right.

Bureau and furnisher decisions are outside CreditGod's control. Verified accurate information may remain. Scores are produced by third parties; we do not control scoring models.

Identity restoration benefits, where offered, are provided under partner terms and may require separate eligibility. Limits such as "up to $1M" are partner program limits, not a Cash guarantee from CreditGod LLC.

To the maximum extent permitted by law, CreditGod's liability is limited as stated in the Terms of Service. Nothing in this disclosure waives rights that cannot be waived under CROA, FCRA, or applicable state law.

Some states require registration or bonding of credit repair organizations. CreditGod lists applicable state registrations here as they are obtained, and in your member agreement where required.

Consumer 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 7 years old. Bankruptcy information can be reported for 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 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 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 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 correspondence 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