Terms of Service

Credit Sergeant is self-help software. It helps you track items on your credit reports, write letters, and track deadlines. You decide what to send and you mail everything yourself.

We are not a credit repair organization, law firm, or financial advisor. We do not send letters, file complaints, or contact creditors, collectors, or credit bureaus for you. We cannot promise any result.

You must be 18 or older. Keep your login private. You are responsible for the accuracy of what you enter and for every letter or complaint you send.

The Free plan includes 1 negative item and 1 letter. Pro is $9.99/month or $39.99/year with a 3-day free trial. Subscriptions renew automatically until cancelled. You can cancel any time in Settings; access continues until the end of the paid period. Payments are processed by Stripe.

Partners earn 30% of payments from referred subscribers while those subscriptions stay active. Payouts are sent monthly once the balance reaches $50. Partners must disclose that they may earn a commission, must not promise results, and must not run paid ads on the Credit Sergeant name. We may remove partners or withhold commissions for fraud or rule violations.

Don't use the app to send false disputes, impersonate anyone, or break any law. Don't try to access other people's data or disrupt the service.

The service is provided "as is." Letter templates and AI summaries are educational and may contain mistakes — review everything before you use it. To the extent the law allows, our total liability is limited to what you paid us in the last 12 months.

You can delete your account in Settings at any time, which removes your data. We may suspend accounts that break these terms.

We may update these terms and will change the date above when we do. Questions: contact us through the Credit Sergeant YouTube channel.