Effective September 15, 2026 · Version 1.0

Terms of Use

These Terms of Use govern your use of TrueScore, a credit monitoring and credit education service. Please read them carefully. By creating an account, ticking the agreement box, or using the service, you agree to these Terms and to our Privacy Policy.

1. Who we are and what TrueScore does

TrueScore ("TrueScore", "we", "us") is operated by [Company legal name], [Company address]. TrueScore gives you a single place to see your credit reports and scores from the three nationwide consumer reporting agencies (Equifax, Experian and TransUnion), alerts you when something on your credit file changes, and explains in plain English what is affecting your score and what you can do about it.

TrueScore obtains your credit information through our service provider, Array US, Inc. ("Array"), which connects to the consumer reporting agencies on your behalf. Every request TrueScore makes for your credit information is a consumer-initiated request made with your written authorization. It is recorded as a "soft" inquiry, which is visible only to you and does not affect your credit scores.

2. How we use your consumer reports

Under the Fair Credit Reporting Act (15 U.S.C. § 1681 and following, the "FCRA"), we may only obtain your consumer reports with your written instructions and for the purpose you authorize. TrueScore uses your consumer reports and credit scores for credit monitoring and consumer credit education only. In practice that means we use them to:

• display your credit reports and scores to you inside your account;
• monitor your credit files for changes, such as new accounts, new inquiries, late payments, balance changes, address changes and public records, and alert you when they occur;
• explain the factors that influence your scores, show how your scores have changed over time, and let you simulate how certain actions might affect them;
• help you prepare to correct information you believe is inaccurate (see Section 5); and
• verify that you are the person whose credit file is being accessed.

We do not use your consumer reports to make decisions about you. We do not use them for credit, employment, insurance, housing or any other eligibility decision, and we do not share them with third parties for their own purposes. Scores shown in TrueScore are educational scores (VantageScore 3.0 unless labeled otherwise) and may differ from the scores a particular lender uses.

3. Your authorization to obtain your credit file

When you create a TrueScore account you are asked to agree to the following authorization. It is the written instruction required by the FCRA, and it stays in effect for as long as your account is open:

You may be asked to confirm this authorization again when you verify your identity with the consumer reporting agencies. You can withdraw it at any time by closing your account (Section 13). Once you withdraw it, TrueScore stops requesting your credit information.

4. Your rights under the Fair Credit Reporting Act

The FCRA promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Below is a summary of your major rights. The full official summary, "A Summary of Your Rights Under the Fair Credit Reporting Act", is published by the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore, or you can write to Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance or employment, or to take another adverse action against you, must tell you and give you the name, address and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You are entitled to a free file disclosure in several situations, including when a person has taken adverse action against you because of information in your report, when you are the victim of identity theft and place a fraud alert, when your file contains inaccurate information as a result of fraud, when you are on public assistance, or when you are unemployed but expect to apply for employment within 60 days. All consumers are also entitled to free reports from each nationwide consumer reporting agency through www.annualcreditreport.com.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from consumer reporting agencies. You may request a credit score from consumer reporting agencies that create or distribute scores used in residential real property loans, and you may have to pay for it.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Section 5 explains how.
• Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, usually within 30 days. However, an agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than ten years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need, usually to consider an application with a creditor, insurer, employer, landlord or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.
• You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers must include a toll-free phone number you can call to have your name and address removed from the lists: 1-888-5-OPTOUT (1-888-567-8688).
• You have the right to place a security freeze on your credit report, free of charge, which prohibits a consumer reporting agency from releasing information in your credit report without your express authorization. You also have the right to place a fraud alert if you believe you are, or are about to become, a victim of fraud or identity theft.
• You may seek damages from violators. If a consumer reporting agency, or in some cases a user of consumer reports or a furnisher of information to a consumer reporting agency, violates the FCRA, you may be able to sue in state or federal court.
• Identity theft victims and active duty military personnel have additional rights. See www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.

5. How to dispute information on your credit report

TrueScore does not create, hold or change the information in your credit file. The consumer reporting agencies do. If you believe something on your report is inaccurate or incomplete, you have the right to dispute it directly with the agency reporting it, free of charge, and the agency must investigate, usually within 30 days.

Step by step

1. Identify the item. In TrueScore, open the report and note the account, inquiry or record you disagree with, the bureau it appears on, and why it is wrong (for example, "this account is not mine", "the payment was made on time", "the balance is out of date").
2. Gather your evidence. Statements, payment confirmations, letters from the creditor, a police report or an FTC identity theft report if fraud is involved.
3. File the dispute with the bureau. You can dispute online, by phone or by mail. Each bureau has its own process:

   Bureau	Online	Mail
   Equifax	equifax.com/personal/credit-report-services/credit-dispute	Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374
   Experian	experian.com/disputes	Experian, P.O. Box 4500, Allen, TX 75013
   TransUnion	transunion.com/credit-disputes/dispute-your-credit	TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016

   Include your full name, address, date of birth, the item you are disputing, why, and copies (never originals) of your evidence. Keep a copy of everything you send.
4. You may also contact the furnisher. The creditor or collector that reported the information ("the furnisher") is also required to investigate a dispute you send directly to it.
5. Wait for the result. The bureau normally has 30 days (45 in some cases) to investigate and must send you the results in writing, plus a free copy of your report if the dispute results in a change. If information is corrected or deleted, the bureau must also notify anyone who received your report in the last six months, at your request.
6. If you disagree with the outcome, you can ask the bureau to include a brief statement of dispute in your file, and you can submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

TrueScore can help you organize the information above and track the item in your account, but TrueScore is not a credit repair organization, does not file disputes on your behalf, and cannot remove accurate information from your credit file.

6. Security and retention of your information

Security

• All data moves between your device, TrueScore and our providers over encrypted connections (TLS). Data is encrypted at rest in our database.
• Your Social Security number is used only to verify your identity with the consumer reporting agencies. It is passed to Array and the agencies for that purpose and is not stored in TrueScore's own systems.
• Access to systems that hold your information is limited to the people and services that need it to run the service, and is logged.
• Your account is protected by your password. You are responsible for keeping it confidential and for all activity under your account. Tell us immediately at the address in Section 16 if you believe your account has been accessed without your permission.

Retention

• We keep your account information, your consent records and the credit information we have displayed to you for as long as your account is open, so that we can show you your history and alerts.
• After your account is closed we retain records for up to 24 months, or longer where a law, a regulator, an audit or a dispute requires it, and then delete or de-identify them.
• Your consent records (what you agreed to, when, and the version of these Terms) are retained for as long as the law requires us to be able to show that we had your authorization.

Our Privacy Policy describes our information practices in more detail.

7. Your account and eligibility

• You must be at least 18 years old, a resident of the United States with a Social Security number, and able to enter into a binding agreement.
• You may only create an account for yourself and only access your own credit information. Accessing another person's credit file without authority is a federal crime.
• You agree to give us accurate information and to keep it current. The consumer reporting agencies match your file by your name, address, date of birth and Social Security number exactly as they appear on your file, so inaccurate details will prevent verification.
• Identity verification is performed by the consumer reporting agencies through Array. They may ask you questions from your credit history or send a code to your mobile phone. Repeated failed attempts can temporarily lock verification to protect your file.

8. Subscriptions, fees and cancellation

Some TrueScore features require a paid subscription. Prices, billing periods and what each plan includes are shown before you subscribe. Subscriptions renew automatically until cancelled. You can cancel at any time from your account settings or by contacting us, and cancellation takes effect at the end of the current billing period. Fees already paid are not refunded except where the law requires it. Payments are processed by our payment provider under its own terms.

9. What TrueScore is not

• TrueScore is not a consumer reporting agency and does not furnish consumer reports to anyone but you.
• TrueScore is not a credit repair organization and does not offer to improve your credit record, history or rating for a fee. Everything TrueScore explains about disputes, you can do yourself for free.
• TrueScore does not give financial, legal or tax advice. Insights, simulations and suggested next steps are educational and general. Decisions about your credit are yours.
• TrueScore does not guarantee any change in your credit scores.

10. Acceptable use

You agree not to use the service for any unlawful purpose; to access or attempt to access another person's information; to reverse engineer, scrape, copy or resell the service or the data in it; to interfere with the security or operation of the service; or to use the service to make eligibility decisions about anyone.

11. Third-party services

TrueScore relies on Array US, Inc. to connect to the consumer reporting agencies, and on hosting, database and payment providers to operate. Parts of the service you see (such as identity verification and the credit report viewer) are provided by Array and displayed inside TrueScore. Those providers process your information under contracts that limit its use to providing the service to you.

12. Disclaimers and limitation of liability

The service is provided "as is" and "as available". We work hard to keep TrueScore accurate and available, but the credit information shown comes from the consumer reporting agencies and may contain errors or delays that we do not control, and we cannot guarantee uninterrupted service. To the fullest extent permitted by law, TrueScore and its providers are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits or data, arising from your use of the service, and our total liability for any claim is limited to the amount you paid us in the twelve months before the claim. Nothing in these Terms limits liability that cannot be limited by law, including liability under the FCRA.

13. Termination

You can close your account at any time from your account settings or by contacting us. Closing your account withdraws your authorization in Section 3 and ends monitoring. We may suspend or close your account if you breach these Terms, if we are required to by law, or if we discontinue the service, in which case we will tell you where reasonably possible.

14. Changes to these Terms

We may update these Terms. If a change is material, we will notify you by email or inside the service before it takes effect and ask you to accept the new version where the law requires it. The effective date and version at the top of this page tell you which version applies.

15. Governing law and disputes with us

These Terms are governed by the laws of the State of [State], without regard to its conflict of law rules, and by applicable federal law including the FCRA. Before starting a claim, you agree to contact us at the address below and give us 30 days to resolve the issue with you.

16. Contact

Questions about these Terms, your account or your rights: support@truescore.online, or write to [Company legal name], [Company address].