Last updated: September 19, 2026
Club Credit Dispute ("we," "us," "our") provides two services through clubcreditdispute.com (the "Site"): (a) a monthly membership that helps consumers review their own credit reports and generate dispute letters they can send to the credit bureaus themselves, and (b) a one-time LLC and EIN formation service for individuals starting a business. By using the Site or purchasing either service, you agree to these Terms.
Our dispute letter membership is $59/month, billed on a recurring basis, and can be canceled at any time. You are responsible for actually reviewing, printing, signing, and mailing any letters generated through the Site — we do not mail letters on your behalf, contact the credit bureaus directly on your behalf, or negotiate with creditors. You remain in control of what gets disputed and when.
We do not guarantee any specific outcome. We do not promise that any item will be removed from your credit report, that your credit score will increase by any amount, or that any dispute will be resolved within a specific timeframe. Results depend on the accuracy of the information in your credit file and how the credit bureaus and creditors choose to respond, which is entirely outside our control.
You are responsible for the accuracy of any credit report data you import into the tool and any personal information you provide (name, address, Social Security number, date of birth) — this information is used solely to populate the letters the Site generates for you.
This is a one-time, flat-fee service ($249 plus your selected state's actual LLC filing fee, calculated and disclosed to you before payment) to prepare and file LLC formation paperwork on your behalf and apply for an Employer Identification Number (EIN) with the IRS. This service does not include ongoing registered agent service (unless separately arranged), annual state report filings, business licenses, or legal or tax advice. We recommend consulting a licensed attorney or accountant for guidance specific to your business and tax situation.
Information you provide for this service — including your Social Security Number or ITIN — is used only to complete your LLC filing and EIN application, and is handled as described in the Privacy Policy below.
Active members may receive a $59 account credit when someone they refer joins as a paying member through their unique referral link. Credits are applied automatically to your account once your referral becomes an active, paying member. We reserve the right to modify or discontinue the referral program, or to withhold a credit in cases of suspected abuse (e.g., self-referral, fraudulent signups).
Consistent with federal law governing credit repair services, we do not charge or collect any fee before performing the services described to you. Our membership is billed on a recurring monthly basis for services rendered during that period, not as an upfront lump-sum payment for future results.
All payments are processed by Stripe, a third-party payment processor. We do not store your full card number — Stripe handles that in accordance with its own security standards. Subscription charges recur monthly until canceled; the LLC/EIN service is billed once, at the time of purchase.
You may cancel your membership at any time by contacting us at clubcreditdispute@gmail.com. Cancellation stops future billing; it does not refund amounts already charged for the current billing period unless otherwise required by law or stated in the cancellation notice provided to you at signup.
The Site and its tools are provided "as is." We make no warranty that the Site will be uninterrupted, error-free, or that any credit report scanning tool will function correctly with every version of every credit bureau's website, since those websites are controlled by third parties and may change without notice.
To the fullest extent permitted by law, Club Credit Dispute is not liable for indirect, incidental, or consequential damages arising from your use of the Site or its services, including any credit decisions made by third parties, denial of credit, or changes to your credit score.
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
You have the right to cancel your contract with us, without any charge or penalty, at any time before midnight of the 3rd business day after the date you signed up. Attached to your welcome email is a Notice of Cancellation form that explains this right and how to exercise it. If you wish to cancel within this period, follow the instructions in that notice or email us directly at clubcreditdispute@gmail.com.
Under the federal Credit Repair Organizations Act, you also have the right to sue a credit repair organization that violates the Act, and you may have rights under your state's law as well. This service does not require you to waive any right given to you under the Act.
We do not sell your personal information. We share information only with the service providers necessary to operate the Site:
We may also disclose information if required by law, subpoena, or other legal process.
We retain your information for as long as needed to provide the service you purchased and to comply with our legal and tax obligations. You may request deletion of your personal information by contacting us, subject to any records we're legally required to retain.
You can request access to, correction of, or deletion of your personal information at any time by emailing clubcreditdispute@gmail.com. You can cancel your membership at any time, which stops future billing and future use of your information for that service.
Our services are intended for adults capable of entering into a binding contract. We do not knowingly collect information from anyone under 18.
We use industry-standard measures to protect your information, including relying on Stripe for PCI-compliant payment handling. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date at the top of this page.
Questions about these Terms or our Privacy Policy? Reach us at clubcreditdispute@gmail.com.