Terms of Service
Effective date: October 18, 2026
Your consumer credit rights
Where the Credit Repair Organizations Act (CROA) applies, you may cancel a covered contract without penalty or obligation before midnight of the third business day beginning after signing. This right overrides ordinary non-refundable and end-of-billing-period cancellation terms. No seven-day billing-error deadline limits your statutory rights.
Covered services require a written, dated, signed contract and cannot begin before the three-business-day waiting period ends. Payment for an agreed covered service cannot be charged or received before that service is fully performed. A trial ending or a cancellation period expiring does not authorize advance payment.
Under the Fair Credit Reporting Act (FCRA), you can dispute inaccurate or incomplete credit-report information directly for free. You do not need to buy our software to exercise that right. Do not submit information you know is false; accurate, current information cannot be removed merely because it is unfavorable.
Read the separate consumer credit-file rights disclosure · Cancellation rights
This summary does not replace the separate statutory disclosure, signed acknowledgment, covered-services contract or duplicate cancellation notices. Creating a no-card account does not sign a paid-services contract or authorize a charge.
By accessing or using FixMy.Money, you agree to be bound by these Terms of Service. Please read them carefully.
Seller and products
FixMy.Money is operated by Fix My Money LLC, the legal seller, with principal business address 227 W 4th St., First Floor, Charlotte, NC. Contact support@fixmy.money or +1 704-900-3512.
- FixMy Credit: software to import and review your own credit information, compare source evidence and prepare factual drafts for your approval. Published price: $39 USD per month.
- FixMy Pro: client-management, report-review, evidence and draft workflows for professionals, with up to 300 active clients and 3 team members. Published price: $99 USD per month.
- FixMy Scale: Pro workflows, data export and team coordination for up to 600 active clients and 6 team members. Published price: $199 USD per month.
External AI report analysis remains a limited pilot with separate access and spending controls. Ordinary enrollment does not grant pilot access. You review and approve drafts before taking action.
Platform Use
FixMy.Money offers FixMy Credit for individuals and FixMy Pro and FixMy Scale for professionals and teams. New business accounts are for authorized representatives managing client-service operations. FixMy Credit enrollment is open for review of your own credit reports and preparation of factual drafts. Existing subscriptions are unchanged. Business users agree to our Business Use Policy and to provide truthful business information. We do not guarantee credit outcomes or earnings, or automatically communicate with credit bureaus on a user's behalf.
Independent Business Responsibility
You control and are solely responsible for your business, clients, contracts, disclosures, marketing, fees, dispute decisions, letters, communications, and legal compliance. You must independently review every report, recommendation, and letter before using it and comply with CROA, FCRA, TSR, applicable state laws, and all other requirements that apply to you or your clients.
No Legal Advice
Nothing on FixMy.Money constitutes legal advice. We do not provide legal counsel. Consult a qualified attorney for legal guidance specific to your business.
No Guaranteed Results
FixMy.Money does not guarantee credit score improvements, item removals, or any specific credit outcomes. Results depend on individual circumstances, bureau responses, and the accuracy of information on credit reports.
Subscriptions and Billing
FixMy Credit enrollment includes 30 days of no-card access. The 30-day software trial for FixMy Pro and FixMy Scale requires no credit card, does not renew automatically, and creates no charge, invoice, or debt at expiration. A customer must separately choose and confirm a paid plan. Existing subscriptions remain governed by their agreed terms. Published monthly prices are $39 for FixMy Credit, $99 for FixMy Pro and $199 for FixMy Scale. New paid activation is separate from no-card enrollment. These prices do not authorize any fee a business charges clients.
All published prices are in USD. Stripe currently processes paid software subscriptions while PaymentCloud underwriting and gateway setup are pending. When separately confirmed, a paid software subscription bills monthly and renews until canceled under the terms displayed at purchase; the final tax and total are shown before payment confirmation. Existing subscriptions retain their agreed prices and billing terms.
Account responsibilities
Provide accurate account information, protect your credentials, and authorize only appropriate team members. Upload only information you are entitled to use. Business users must obtain any required client authorization; individuals may use the personal product to review their own information. Notify support of unauthorized account use.
Cancellation, termination and consumer rights
Cancel an existing paid subscription in account billing settings through its billing-management service. Ordinary subscription cancellation takes effect at the end of the current paid period and access continues until then. Timely CROA cancellation of a covered contract ends that contract without penalty or obligation; ordinary renewal and refund rules do not override it. No-card access expires without a charge or automatic conversion. See the Cancellation Policy, Refund Policy and Digital Delivery Policy.
We may restrict or terminate access for unlawful use, unauthorized access or material violations of these terms. Statutory rights, required refunds and any applicable cancellation rights are not waived by these terms. Where consumer credit-service laws apply, their disclosures, contract, cancellation and fee-timing requirements control; these general software terms do not replace required statutory notices or certify compliance.
Acceptable Use
You may not use FixMy.Money to submit false claims, dispute information you know is accurate, impersonate a consumer, send a letter without the consumer's authorization, misrepresent your services, promise removals or score increases, evade fee restrictions, or violate any law. FixMy.Money does not automatically send dispute letters. Violation of these terms may result in account suspension or termination.
Contact
For questions about these terms, contact support@fixmy.money.