Terms and Conditions

Using CheckCredit.com

Effective Date: June 2011

This Website (the "Site") is an online source of information about CheckCredit and products provided by CheckCredit for your personal use, subject to your agreement to the provisions set forth below.

Please note that CheckCredit is not a credit repair organization or similarly regulated organization governed by the federal Credit Repair Organizations Act or similar state laws. CheckCredit does not provide so-called "credit repair" services or advice or give advice or assistance regarding "cleaning up" or "improving" your credit record, credit history, or credit rating.

Please read the following provisions carefully before using this Site. If you do not agree with any of these provisions below ("Website Terms of Use"), please do not use this Site. By accessing or using this Site and the associated products and services, you agree to be bound by these Website Terms of Use. CheckCredit reserves the right to change these Website Terms of Use at any time, and by continuing to use the Site after we post a change, you will be deemed to have accepted the Terms of Use. Therefore, you should check these Website Terms of Use for updates from time to time.

Disclaimer of Warranties and Liability

This Site is for informational purposes only, and is intended to provide helpful and informative material on the subjects addressed. CheckCredit does not provide legal, accounting, investment, financial, or any other kind of professional advice or services. To make sure that information or suggestions on this Site fit your particular circumstances, you should consult with an appropriate professional before taking action based on any suggestions or information on this Site.

Information and products offered by CheckCredit and others through this Site are provided "as is" and without any express or implied warranty or representation of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. The Information contained in this Site or other materials that you receive from CheckCredit do not constitute legal, tax, accounting or other professional advice. CheckCredit makes no representation concerning, nor does it warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability, or fitness for any particular use or purpose of any information, products, or services offered by CheckCredit and others through this Site.

In no event will CheckCredit be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages, for any use of this Site or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, or failure to achieve any particular result, whether in an action based on contract, negligence, other tort, or strict liability, even if CheckCredit is expressly advised of the possibility of those types of damages. Some jurisdictions do not allow the exclusion or limitation of warranties or damages in certain types of agreements, so the above exclusions or limitations may not apply to you.

Interactive tools such as simulators, and calculators are made available to you as information for your independent, personal use. We make no representations concerning, and do not guarantee, their accuracy or their applicability to your circumstances. Tools that are "personalized" reflect information about you (e.g., your FICOŽ score and the factors that are helping or hurting your score), but do not necessarily take all relevant information into account or provide results specific to your individual circumstances. The results of the Credit Score Simulator ("Simulator") are intended to approximate the impact of various actions on your FICO® score - if your situation is reasonably typical and if everything else stayed the same. Your actual score, and the results of any particular action, are the result of a complex interaction of the information stored in your credit report, some of which changes on a daily basis. The Simulator is provided for informational purposes only and should not be expected to provide accurate predictions in all situations. Consequently, we make no promise or guarantee with regard to the Simulator.

Trademark Rights

The CheckCredit product and service names referenced in this Site, including without limitation CheckCredit, the CheckCredit Logo, or registered trademarks of CheckCredit in the United States and/or in other countries. Other products and company names mentioned on the Site may be the trademarks of their respective owners.

Copyright Notice

Copyright Notice: © 1986-2011 CheckCredit, All Rights Reserved. Except as otherwise provided, CheckCredit owns all content contained in this Site, including without limitation computer code and the information, materials, text, graphics, Site design, and the selection, assembly and arrangement of those items ("Content"). The Content is protected by copyright laws of the U.S. and other countries, and you may not use it for any commercial purpose or copy, distribute, display, modify, reproduce, perform, publish, post, or reverse engineer any Content, in whole or in part, without the prior written permission of CheckCredit. Affiliate Partners of CheckCredit.com may obtain consent to use portions of our Content. For more information please use our Contact Us page.

Linking Policies

You are granted a limited, non-exclusive right to create a hypertext link to this Site provided that the link (i) does not portray CheckCredit and/or its affiliates or any of their respective products in a false, misleading, derogatory, or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement, or affiliation of your web site or products by CheckCredit. This limited linking right may be revoked by CheckCredit at any time. You may not modify or alter the appearance or Content of the Site, nor use framing techniques to enclose any CheckCredit web page, nor use or copy any trademark, logo, or other proprietary information, including the images found at this Site, the content of any text or the layout/design of any page or form contained on a page without CheckCredit's express written consent. To obtain consent, please use our Contact Us page.

You are granted only a limited license to link to this Site and nothing in these Website Terms of Use grants you any rights in (i) any CheckCredit Marks; (ii) the Content; (iii) any computer code; or (iv) any other intellectual property or proprietary rights of CheckCredit.

CheckCredit makes no representations, warranties, or endorsements with respect to any non-CheckCredit web site which may be accessed through a link on this Site. When you access a non-CheckCredit web site, please understand that CheckCredit has no control over the content or information or any products or services offered at that site or the privacy policies relating to that site.

International Use

Unless otherwise specified, the materials on this Site are intended for use by US residents only. Recognizing the global nature of the Internet, you agree to comply with all local laws including, without limitation, laws about the Internet, data, email, export, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States and the country in which you reside.


You agree to indemnify, defend and hold harmless CheckCredit and its affiliates, and their respective officers, directors, employees, agents, licensors and suppliers, and any third party providers of information or services to the Site, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from your violation of these Website Terms of Use or any Customer Agreement applicable to products you have purchased, or your violation of the intellectual property rights of CheckCredit or any of those other parties.

FCRA Disclosures

Under federal law you have a right to receive a free copy of your credit report from each of the three major credit bureaus once a year and we encourage all consumers to take advantage of this law. However, you should know that the free credit reports do not include your FICOŽ score. You should also know that "credit scores" offered by others may not be FICO® scores and may not be scores that are used by lenders in making credit decisions. The FCRA also permits consumers to dispute inaccurate information in their Credit Report without charge.

Full disclosure of information in your file at the three national credit repositories must be obtained directly from the repositories:

  • Experian: www.Experian.com
  • Equifax: www.equifax.com/fcra
  • Trans Union: 1-800-916-8800


No waiver by CheckCredit of any breach of these Website Terms of Use or of any Customer Agreement will constitute a waiver of any other breach of the same or other provisions. Any waiver must be in writing. If any provision in these Terms is found by a court or arbitrator to be invalid or unenforceable, the parties agree that the court or arbitrator should give effect to these Website Terms of Use to the extent possible, and the other provisions of these Website Terms of Use will remain in full force.

CheckCredit is not responsible for delays or failure to perform due to causes beyond its reasonable control.

It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items, and to keep any logon ID and passwords you use to access the Site secret.

If we have not specifically granted you a right under these Website Terms of Use or a Customer Agreement, that right is reserved to CheckCredit.

These Website Terms of Use, together with the Customer Agreement, Privacy Policy and other documents referred to herein and therein, constitute the entire agreement between you and CheckCredit with respect to your use of this Site and the products and services you obtain from this Site.