Terms of Service

1. What We Do

CredAnchor provides the following credit repair services:

• Credit Report Audit (Free): We pull your full bureau report and review it line by line to identify errors, duplicates, obsolete items, and unverifiable negatives. You receive an audit report PDF at no cost.
• Dispute Filing (Paid): We draft, file, track, and escalate disputes with credit bureaus and creditors on your behalf. You pay per trade line disputed — not a monthly subscription.
• Creditor Negotiations (Custom quote): We negotiate settlements with creditors and collection agencies, including pay-for-delete arrangements where achievable.
• Credit Building Coaching (Free PDF + paid coaching): We provide a sequenced plan to build positive credit history and offer monthly progress reviews.
• Business Credit Repair (Custom quote): We audit and correct business credit files, including wrong PAN mappings and entity-level discrepancies.

2. How Pricing Works — Transparent by Design

We believe you should never pay for something without knowing exactly what it costs and why. Here is how our pricing works, step by step:

• Free consultation: 15 minutes, no card required, no obligation
• Free credit audit: Full bureau report pull and line-by-line review — no charge
• Custom dispute proposal: Before we raise any dispute, we send you a tailored proposal listing exactly which trade lines we recommend disputing, what evidence we will use, and the cost for each one
• Per-trade pricing: Each dispute costs between ₹2,000 and ₹10,000 depending on complexity — you see the price per item before you approve
• You choose: You can accept the full proposal, accept only specific items (partial acceptance), or decline entirely. We will not file anything until you confirm in writing
• No monthly fees: You pay for work done, not for time passing. There is no subscription, no lock-in, and no recurring charge
• Custom pricing: Business credit repair and creditor negotiations are quoted after the audit based on the scope of work

Our promise: We hold your hand through the entire repair journey. No hidden charges, no surprise invoices, no “plans” that auto-renew. You see the price, you approve the work, and you pay only for what you have agreed to.

3. Payment

• Payment is collected before filing each approved dispute
• You will receive an invoice with the trade line description and agreed price
• Payment methods: UPI, bank transfer, Razorpay (cards/netbanking/wallets)
• For multi-trade engagements, flexible payment plans are available — discuss with your analyst

4. Refund Guarantee — No Win, No Fee

If we file a dispute that does not resolve in your favour, you receive a full refundfor that trade's fee. See our Refund Policy for the simple process.

5. Your Responsibilities

• Provide accurate personal information (name, PAN/SSN, contact details)
• Cooperate with OTP verification for bureau report pulls — this takes about 2 minutes
• Review and approve dispute proposals before we file
• Provide supporting documents when requested (settlement letters, bank statements, closure confirmations)
• Notify us of any changes to your contact information
• Do not file duplicate disputes with the same bureau for the same item while our dispute is active

6. What We Do Not Do

• We do not guarantee the removal of any specific item or achievement of any specific credit score
• We do not create new credit identities or advise you to misrepresent your SSN/PAN
• We do not pay settlements on your behalf — you always pay creditors directly
• We do not provide legal advice or act as your legal representative in court
• We do not share your data with lenders, DSAs, or third parties without your written consent

7. Cancellation

• You can cancel at any time — no lock-in contracts, no cancellation fees
• If you cancel before a dispute is filed, no charge applies
• If you cancel after a dispute is filed but before resolution, the fee is held until the dispute resolves. If it resolves in your favour, the fee applies. If it does not, you receive a full refund.
• To cancel, email hello@credanchor.com with the subject line “Cancel”

8. Compliance

Our services comply with the Credit Information Companies (Regulation) Act and DPDP Act (India), FCRA and FDCPA (United States), GDPR principles (EU/UK), and applicable local regulations in every market we serve. See our Regulatory Disclosures for details.

9. Limitation of Liability

CredAnchor is not liable for decisions made by credit bureaus, creditors, or lenders based on your credit report. Our liability is limited to the fees paid by you for the specific dispute that did not resolve in your favour, which will be refunded in full per our Refund Policy.

10. Changes to These Terms

We may update these terms as our services evolve. Changes will be posted on this page with an updated date. For material changes, we will notify active clients by email.