Terms of Service

These Terms of Service (“Terms”) are an agreement between you and Rapid Rescore LLC (“Rapid Rescore,” “we,” “us”) about your use of Rapid Rescore.com and the Rapid Rescore app (together, the “Service”). By creating an account, subscribing, or using the Service, you agree to these Terms. Please read them, especially the sections on what the Service costs and how to cancel.

What we provide

Rapid Rescore helps you review your own credit reports and prepare your own disputes. The Service includes:

• Credit monitoring. We obtain your credit reports and scores through our credit data provider and show them to you, with changes over time and alerts.
• Dispute letters. We help you choose the items on your report you believe are inaccurate, incomplete, or unverifiable, and we prepare dispute letters in your name to each credit bureau. You can print and mail the letters yourself.
• Optional mailing. For an extra fee you can have us print and mail your letters for you, by standard first-class mail or by certified mail with tracking.
• Optional notarization. For an extra fee you can have a letter notarized online through a third-party remote notary service.
• Your dashboard. Your scores, the status of your disputes, mailing and tracking information, and reminders of what to do next.

Who can use the Service

You must be at least 18, a resident of the United States, and using the Service for your own credit file. You agree to give us accurate information and to keep your account secure. You are responsible for activity on your account.

Fees and payment

This is what you pay:

• Credit monitoring: $39.00 per month. It is a subscription. You are charged $39.00 when you subscribe, and again every month on the same date until you cancel. Your subscription includes the Service described above, including dispute letters.
• No per-dispute fee. We do not charge you for each dispute or each item. Creating your dispute letters, and printing and mailing them yourself, is included in your subscription.
• Optional services cost extra. Certified or first-class mailing, and notarization, are optional. The price is shown to you before you pay, and you are never charged for them unless you choose them.
• Payment method. You pay by card through our payment processor. We do not store your card number; it is held by the processor. By subscribing you authorize us to charge your card for the monthly fee until you cancel, and for any optional service you order.
• If a payment fails. We will try your card again and tell you. If it still cannot be charged, your subscription is paused: you keep your saved letters and history, but we stop your credit monitoring and you cannot create new letters until you update your card.
• Taxes and price changes. Prices include any sales tax we are required to collect unless we tell you otherwise. If we change the monthly price, we will tell you in advance and the new price will apply from your next renewal; you may cancel before then.

Free accounts created before we introduced the subscription are not charged unless you choose to start a subscription.

Canceling

• You can cancel anytime in your account under Account → Cancel subscription, or by emailing info@rapidrescore.com.
• 3-day right to cancel. You may cancel within 3 business days of first subscribing for a full refund of the monthly fee.
• After that, if you cancel, you keep access until the end of the month you have paid for and are not charged again. We do not refund or prorate the current month except where the law requires.
• When your subscription ends, we stop your credit monitoring. Your saved letters and history remain available if you come back.

Your credit report and your authorization

By subscribing, you authorize us and our credit data provider to obtain your credit reports and scores from the credit bureaus on your behalf, to show them to you, and to refresh them while your subscription is active. We use your information to provide the Service to you, as described in our Privacy Policy. Your Social Security number is encrypted when stored and is printed only on the dispute letters we prepare for you.

Your disputes and your responsibilities

• You choose which items to dispute and why. You confirm that you have reviewed each item and believe it is inaccurate, incomplete, or cannot be verified. Do not dispute information you know to be accurate.
• If you tell us an account is the result of identity theft, that must be true. You will be asked to file an FTC identity theft report at IdentityTheft.gov and attach it. Knowingly making a false identity theft claim can have legal consequences.
• You send your own disputes. Letters are prepared in your name and sent from your return address. We act as the tool you use to prepare and send them.

Important disclosures

• You can dispute for free yourself. You have the right to dispute information on your credit reports directly with each credit bureau, and with the creditor, at no charge. You do not need to use Rapid Rescore to do it, and the FTC and CFPB publish free guidance and sample letters.
• No guarantee of results. We do not guarantee that any item will be removed or changed, that your score will increase, or how long anything will take. The credit bureaus and creditors decide the outcome. Accurate, timely, and verifiable negative information can generally remain on your report.
• Not legal or financial advice. Rapid Rescore is not a law firm and does not provide legal advice, and we are not a credit bureau or a lender.
• Third-party services. Credit data, printing and mailing, payment processing, and online notarization are provided by third parties. We are not responsible for postal delays or for the actions of the credit bureaus or creditors.

Acceptable use

You agree not to:

• Submit disputes you know to be false, fraudulent, or misleading;
• Use the Service to violate the Fair Credit Reporting Act or any other law;
• Use someone else's information or access another person's account;
• Interfere with or disrupt the Service; or
• Reverse engineer or attempt to extract the underlying software of the Service.

Intellectual property

The Service, including its software, design, and content, is owned by Rapid Rescore LLC and protected by intellectual property laws. These Terms give you a limited, non-exclusive right to use the Service for your own personal purposes. They do not transfer ownership of anything to you.

Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, to the extent the law allows. We do not promise the Service will be uninterrupted or error-free.

Limitation of liability

To the maximum extent permitted by law, Rapid Rescore will not be liable for indirect, incidental, special, or consequential damages, or lost profits, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the claim. Some places do not allow these limits, so they may not apply to you in full.

Suspension and termination

We may suspend or end your access if you break these Terms, if a payment cannot be collected, or if the law requires. You can stop using the Service and cancel at any time as described above.

Governing law

These Terms are governed by the laws of Wyoming, without regard to its conflict-of-law principles, except where your local consumer-protection laws require otherwise.

Changes to these Terms

We may update these Terms. We will change the “Last updated” date above, and for material changes we will notify you by email or in the app. Continuing to use the Service after changes take effect means you accept the updated Terms.

Contact us

Questions about these Terms or your subscription? Email info@rapidrescore.com or reach out here.