← Back to home

Terms of Service

Last updated: May 5, 2026

1. What CreditCougar is

CreditCougar is a self-service software platform that helps consumers prepare and track FCRA-compliant credit-dispute letters. We are a credit repair organization (CRO) under the federal Credit Repair Organizations Act, 15 U.S.C. § 1679. We do not mail letters on your behalf or take a percentage of any score improvement. You own your dispute file at all times.

2. Your three-day right to cancel (CROA)

Federal law gives you the right to cancel this contract, without penalty or obligation, at any time before midnight of the third business day after the date you signed it. To cancel within this window, email info@creditcougar.com with subject Three-day cancellation. You'll receive a full refund of any amount paid within 5 business days.

3. Subscription, billing, and cancellation

Pricing

Two plans:

  • Monthly — $1 trial fee for 7 days, then $29.95/month auto-renewing.
  • Annual — $299 paid upfront for 12 months. Renews annually on the same calendar day.

Trials

The 7-day $1 trial is a real charge that converts your account to a paid status. If you cancel before day 7 you receive a full refund of the $1. The trial does not auto-extend.

Cancellation

You may cancel at any time from Settings → Manage billing. Monthly plans end at the next billing date with no further charges. Annual plans continue through the end of the prepaid period, then end. Cancellation does not entitle you to a pro-rated refund of the prepaid portion. We do not auto-renew without notice; renewals match the cadence of your original purchase.

Refunds

Beyond the 3-day CROA right and the $1-trial refund window, refunds are evaluated case-by-case. Email info@creditcougar.com if you believe a charge is in error.

4. What we will and will not do

We will:

  • Generate FCRA-compliant dispute letter templates personalized to your accounts and dispute angle.
  • Track FCRA-mandated 30-day response windows and surface escalations when bureaus miss them.
  • Provide an AI Credit Coach that answers questions referencing the actual statutory text.

We will not:

  • Mail letters on your behalf. You print and mail.
  • Make any guarantee about specific score increases. CROA prohibits this and so do we.
  • Tell you that an item that is genuinely accurate, current, and verifiable will be removed. We focus the legal firepower on items that are inaccurate, unverifiable, or misreported.
  • Operate as a debt collector, debt settlement firm, or financial advisor. We do not provide legal advice. If your situation is complex (active litigation, identity theft with criminal exposure, bankruptcy proceedings) you should consult a licensed attorney.

5. Your obligations

  • You'll provide accurate personal information. Disputes filed with knowingly false information are a federal crime.
  • You'll review every letter before mailing. You sign the letters; you take ownership of their content.
  • You won't use the platform to dispute information you know to be accurate.
  • You won't share your account with anyone else.

6. Acceptable use

No automated scraping, no reverse engineering, no probing for vulnerabilities outside our responsible-disclosure path (email info@creditcougar.com with subject Security report). No reselling our output as a service. No identity-theft enablement.

7. Intellectual property

The CreditCougar software, letter templates, AI prompts, and brand are ours. The content you upload (credit reports, statements, IDs) remains yours. Letters generated by the platform are licensed to you for your personal credit-repair use.

8. Disclaimers

The service is provided "as is" without warranty of any kind. We don't guarantee the accuracy of every legal citation in every edge case (bureaus update their procedures; FCRA gets amended; states have layering laws). We do guarantee we'll fix bugs you report and continuously improve the templates as we observe what works.

Nothing on this site is legal advice. We are not your attorney. If you need legal advice, retain a licensed lawyer in your state.

9. Limitation of liability

To the maximum extent permitted by law, our aggregate liability arising from your use of the service is capped at the amount you've paid us in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages. Some jurisdictions don't allow these limits; in those jurisdictions our liability is limited to the minimum required by applicable law.

10. Disputes between you and us

Disputes between you and CreditCougar are resolved by binding arbitration on an individual basis. No class actions, no jury. The arbitration is governed by the American Arbitration Association consumer rules and held in the state where you reside. You may opt out of this clause within 30 days of accepting these terms by emailing info@creditcougar.com with subject Arbitration opt-out.

11. Changes

We may update these Terms. Material changes will be communicated via email and shown in-app before they take effect. Continuing to use the service after the effective date constitutes acceptance.

12. Termination

You may close your account at any time. We may terminate accounts engaged in fraudulent activity, identity theft, or repeated abuse of the service. We will refund any prepaid period upon termination unless the termination is for fraud.

13. Contact

Email: info@creditcougar.com — replies within 1 business day. Mailing address available on request.