Terms of Use

Welcome. These terms apply to your use of CreditOps Club, a free credit education membership run by Apex Credit Solutions in Charlotte, North Carolina. By creating an account or using the site, you agree to them.

Educational templates, not legal advice. The courses, tools, calculators and dispute letters are general education and templates. They are not legal, financial or credit advice, and using them does not create an attorney-client relationship. Laws and bureau practices change, and your situation may differ. Consider speaking with a qualified professional for advice about your case.

No guarantee. We do not guarantee that any item will be corrected or removed, that any creditor or bureau will respond a certain way, or that your credit score will change by any amount. Results depend on your reports and on how others respond.

You are responsible for what you send. You decide which items to dispute and what to say. You are responsible for the accuracy of every statement and document you send. Do not dispute information you know is accurate as if it were wrong. The Club is designed to help you avoid that, but the final choice is yours.

Your account. Keep your password private and give us accurate information. You may close your account at any time by messaging us. We may suspend an account that breaks these terms.

Acceptable use. Do not use the Club to harass anyone, post false or misleading statements, share other people's private information, send spam, attempt to break or overload the site, or use it for anything unlawful. Be respectful in the community. We may remove posts that break these rules.

Your content. What you enter stays yours. You give us permission to store and display it to operate the Club for you. Posts you make in the community are visible to other members.

Optional services. Apex Credit Solutions may offer paid services, such as done-for-you credit repair. Those services are separate, are described in their own written agreement, and are not part of the free Club. The free Club does not require you to buy anything.

Our responsibility. The Club is provided as is. To the extent the law allows, Apex Credit Solutions is not liable for indirect or consequential losses arising from your use of the Club.

Changes and contact. We may update these terms, and we will post the new version here. Questions? Call (555) 555-0142 or email support@creditopsclub.example. See also our Privacy Policy and Disclosures.