Service Agreement

This Service Agreement explains how we operate www.icreditscore.com, the ways that you are permitted to use the website, tools, features and services available at the website, and any support services available through use of our website. This Service Agreement is a contract between you and icreditscore.

We have a satisfaction guarantee which entitles you to a refund, if you are not satisfied with our product, providing you request a refund prior to your second bill. In some cases, you may have to pay a refundable one-time activation fee to enroll in Membership.

iCreditScore refund policy: All purchases are non-refundable. Once an order is placed, the credit report is immediately purchased from the credit bureaus on your behalf, and that cost is non-recoverable. For this reason, we do not offer refunds under any circumstances, except in the case of a verified billing error (e.g., duplicate charge). If you believe a billing mistake has occurred, please contact us within 7 days of the transaction for review.

Services Included

This is an all-in-one membership which includes Credit Monitoring and Compare Reports all tied together with direct access to support for any questions or needs.

Co-Branded Partnership

icreditscore is in a co-branded partnership with CRS. As part of your membership, you hereby hereby grant your permission for icreditscore to share your information with CRS. Upon review of your credit, CRS may elect to make specific offers of credit or other products and services to you, unless specifically prohibited by your express instructions or other applicable law.

Note: Remove this section if you don't have partnership arrangements

Membership Options & Pricing

Our product has a monthly Membership fee and we have various plans to choose from. You will be billed once per month on the anniversary of your Bill Date and your services will be renewed each month unless you cancel your membership.

Cancellation Policy

You may cancel your Membership at any time by:

Important Legal Notices

WE DO NOT PROVIDE CREDIT REPAIR SERVICES OR CREDIT REPAIR ADVICE. WE DO NOT CLAIM THAT WE ARE ABLE TO CLEAN UP OR IMPROVE YOUR CREDIT RECORD, CREDIT HISTORY OR CREDIT RATING.

Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. We are not affiliated with the Annual Credit Report program. Under Federal law, you have the right to receive a free copy of your credit report periodically from each of the three nationwide consumer reporting agencies at AnnualCreditReport.com or 877-322-8228.

FCRA Disclosures

The Fair Credit Reporting Act ("FCRA") allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through the Website or Services are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion).

To obtain the free reports, you can:

• Call 1-877-322-8228;

• Order online at www.annualcreditreport.com; or

• Complete the Annual Credit Report Request Form, available at www.ftc.gov/credit, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You are also entitled to receive a free copy of your credit report from a credit reporting agency if:

• You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.

• You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.

• You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.

• You certify in writing that you are a recipient of public welfare assistance.

• You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.

Any Credit Report you request is not intended to constitute the disclosure of information required by the FCRA or similar state laws.

In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

Contact Information

For customer service questions, please contact us at:

Arbitration and Legal Remedies

Most customer concerns can be resolved quickly by calling customer service at 302.595.9975. In the unlikely event that customer service is unable to resolve a complaint to your satisfaction, you and iCreditScore agree to resolve disputes through binding arbitration or small claims court instead of in courts of general jurisdiction.

This arbitration agreement is intended to be broadly interpreted and includes all disputes arising out of or relating to any aspect of the relationship between us. You understand that you are waiving the right to a trial by jury or to participate in a class action.