Terms of Use Agreement

1. Acceptance of Terms

By accessing or using any part of the website, purchasing the "Credit Repair Magic" software (the "Software"), or otherwise engaging with the services provided by Credit Information Bureau (the "Company," "we," "us," or "our"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of this agreement, you must not access the website or use the Service.

2. Nature of the Service and Key Disclaimers

2.1. DIY Software Tool, Not a Credit Repair Service

The Service, including the "Credit Repair Magic" Software, is a self-directed software and educational platform. It provides the tools, guidance, legal strategies, correspondence, and AI-infused technology to empower you, the user, to manage and execute your own credit repair efforts.

2.2. The Company Does Not Perform Credit Repair

Credit Information Bureau is not a Credit Repair Organization (CRO), a credit repair service, or a law firm. We do not communicate with credit reporting agencies (CRAs) or creditors on your behalf. You are purchasing a software license and access to a self-directed education system.

2.3. User Responsibility and Involvement

You understand and agree that you are solely responsible for performing all steps, including:

• Obtaining your own credit reports (free or paid).
• Reviewing, modifying, printing, and mailing all generated dispute correspondence.
• Following the provided instructions, strategies, and "credit hacks."
• Investing the necessary time, estimated to be 1–2 hours per month while you are actively disputing.
• All results (or lack thereof) are based on your efforts and the specific, complex facts of your credit history.

3. Service Features, Claims, and Results

3.1. Purpose and Methodology

The Software is designed to help you leverage your consumer rights under the Fair Credit Reporting Act (FCRA) to dispute and remove items that are inaccurate, unverifiable, or incomplete. The program utilizes AI technology to simplify the process and apply legal credit hacks and proven strategies to boost your scores toward the goal of joining the "800 Club".

3.2. Disputable Items

The Service provides strategies to dispute virtually any negative item, including, but not limited to, Late Payments, Collection Accounts, Charge-Offs, Bankruptcies, Repossessions, Foreclosures, Student Loans, Hard Inquiries, and Fraudulent Accounts.

3.3. No Guarantee of Outcome or Timeline

We make claims such as achieving an "800+ Credit Score in 90 Days or Less". These claims represent the potential of the system when utilized correctly, but are not guaranteed. We do not guarantee:

• Any specific increase in your credit score.
• The removal of any specific negative item (especially if the item is accurate and verifiable).
• That results will be achieved within any particular time frame. While a typical process lasts six months or less, this is largely determined by the credit bureaus' legally mandated 30-day investigation period and the complexity of your file.

4. Fees, Payment, and Guarantee

4.1. Pricing Structure

Access to the "Credit Repair Magic" Software and all current and future bonuses, credit hacks, and updates is granted for a one-time, lifetime payment of $197. There are no monthly fees charged by the Company. There are monthly fees associated with the third-party credit-monitoring service necessary for the Credit IQ option.

4.2. 60-Day Money-Back Guarantee

The Company offers a full 60-day money-back guarantee. If you are not satisfied with the Software or materials for any reason within sixty (60) days of your purchase date, you may contact us for a full refund of the purchase price.

5. Intellectual Property and Licensing

5.1. Ownership

All content, methods, "legal credit hacks," methodologies, the underlying code of the "Credit Repair Magic" Software, and all proprietary correspondence templates are the exclusive property of Credit Information Bureau and are protected by intellectual property laws.

5.2. Limited License

The payment grants you a non-exclusive, non-transferable license to use the Software and its content for personal use for yourself and your entire family. You may not:

• Use the Software to operate a commercial credit repair business.
• Sell, redistribute, sublicense, or otherwise transfer the Software or its content to any third party outside of your immediate family.
• Reverse engineer, decompile, or disassemble the Software.

6. Required Consumer Disclosures (FCRA and Cancellation)

6.1. Your Right to Dispute for Free

You acknowledge that you have the right under federal law, specifically the FCRA, to obtain a copy of your credit report from a credit bureau and to dispute any inaccurate, incomplete, or unverifiable information in your credit report yourself, without paying any third party, company, or service.

7. Limitation of Liability

7.1. Warranties

The Service and Software are provided on an "AS IS" and "AS AVAILABLE" basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7.2. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, resulting from (a) your use of or inability to use the Service; (b) any inaccuracy in the AI-generated output; or (c) any decision you make based on the materials provided.

8. Miscellaneous Provisions

8.1. BBB Rating

The Company has maintained an A+ rating with the Better Business Bureau for over 14 years.

8.2. Governing Law and Venue

These Terms shall be governed by the laws of the State of North Carolina. Any legal action or proceeding arising under these Terms will be brought exclusively in the state or federal courts located in Mecklenburg County, North Carolina.

8.3. Entire Agreement

These Terms, along with the Privacy Policy, constitute the entire agreement between you and Credit Information Bureau regarding the use of the Service.

Contact Information

For customer service inquiries or to exercise your 60-day money-back guarantee, please contact us at: