Terms of use

Who these terms are with

These terms are an agreement between you and ScoreTuner ("we", "us"). They cover scoretuner.com, the guides and reference pages, the free browser tools, free accounts, and ScoreTuner Plus. By using any of them, you agree to these terms and to our privacy policy. If you don't agree, please don't use ScoreTuner.

What ScoreTuner is

ScoreTuner publishes consumer credit education and offers tools that help you understand and plan your own credit decisions. Specifically:

• Guides and reference pages, free to read without an account.
• Browser tools, free and without an account. They run on your device, and what you type into them isn't sent to us unless you choose to save it to an account.
• Free accounts, which need only an email address and let you save tool results.
• ScoreTuner Plus, a paid subscription for organizing and reminder features, described below.

ScoreTuner is not a credit repair organization, a credit counseling agency, a lender, a credit bureau or a law firm. We don't contact credit bureaus, creditors or debt collectors for you, we don't file disputes on your behalf, and we never charge to dispute anything. We don't pull your credit reports or scores and can't see them. Anything you mail, file or submit, you send yourself.

Who can use ScoreTuner

You must be at least 18 years old to create an account or buy Plus. ScoreTuner is built for people in the United States, and its guides describe U.S. law. Use the tools only for your own credit, or for someone who has asked you to help them with theirs.

Free accounts

A free account needs a working email address that you control, because that's how you sign in and how we reach you about your account. Keep access to that email secure: anyone who can read it may be able to sign in as you. One account is for one person. Tell us right away at [email protected] if you think someone else has used your account.

You can close your account at any time by emailing us from the address on the account, or from your account settings where that option is offered. The privacy policy explains what we delete and when.

ScoreTuner Plus and automatic renewal

ScoreTuner Plus is organizing and reminder software. It includes statement-date reminder emails with the amount to pay, unlimited saved cards and scenarios, a letter tracker with 30-day and 45-day dispute clocks, countdowns to when negative items and inquiries stop counting or leave your reports, and a score log for the scores you check. The Plus page lists the current features. Plus does not dispute, remove or change anything on your credit reports, and it doesn't guarantee any result.

Price. Plus costs $4.99 per month or $39 per year, plus any sales tax that applies where you live. The price and billing period are shown before you subscribe.

Automatic renewal. Plus is a subscription that renews automatically. When you subscribe, you authorize us, through our payment processor, to charge your payment method $4.99 (plus tax) at the start of each month for the monthly plan, or $39 (plus tax) at the start of each year for the yearly plan, until you cancel. Each renewal is charged on the same date of the month, or the same date each year, that you first subscribed. For yearly plans, we email you a reminder before each renewal with the date and amount.

Price changes. If we change the price of Plus, we'll email you at least 30 days before the new price applies to your next renewal. You can cancel before then and you won't be charged the new price.

Payments. Payments are handled by our payment processor. We don't receive or store your full card number. If a renewal payment fails, we may retry it and will email you; if it still can't be collected, Plus ends and your account becomes a free account.

Free trials and promotions. If we ever offer a free trial or discounted first period, we'll show you the date it converts to the regular price and the amount before you start, and you can cancel before that date without being charged.

Cancelling Plus

You can cancel Plus online at any time from your account page. You don't need to call, write or talk to anyone. Cancelling stops all future renewals. You keep Plus until the end of the billing period you already paid for, and then your account continues as a free account. You'll get an email confirming the cancellation. If you have trouble cancelling online, email [email protected] from the address on your account and we'll cancel it for you.

Refunds

If you contact us within 14 days of a Plus charge and ask for a refund, we'll refund that charge in full. Email [email protected] from the address on your account. After 14 days, charges aren't refundable, but cancelling still stops every future charge. If we end your Plus subscription for a reason other than a breach of these terms, we'll refund the unused part of your current period. Nothing here limits any refund right you have under the law where you live.

Education, not advice

Everything on ScoreTuner is general education. It isn't legal, financial, tax or credit counseling advice, and it isn't advice about your specific situation. Reading a guide or using a tool doesn't create any professional relationship between you and us.

Credit scoring models are owned by FICO and VantageScore and aren't public. Lenders, landlords and insurers set their own criteria and can add requirements above program minimums. Laws and program rules change. Tool results depend entirely on the numbers you enter and on the published rules the tool uses, and they are estimates, not decisions. We can't promise that any action will change a score by any amount, that an item will be removed, or that you'll be approved for anything. See our disclaimer for more.

Acceptable use

You agree not to use ScoreTuner, including the letter builder, to make a dispute or claim you know is false. That means not disputing information you know is accurate in order to get it removed, not claiming identity theft that didn't happen, and not using a credit privacy number (CPN) or any number other than your own Social Security number on a credit application. These can violate federal law, and our guides explain why they backfire.

You also agree not to:

• break or probe the security of the site, or access accounts or data that aren't yours
• use automated tools to copy the site at a volume that strains it, or to collect other people's information
• upload malicious code, or interfere with the site's normal operation
• resell, share or sublicense Plus, or use ScoreTuner to run a paid credit repair or dispute service for others
• impersonate anyone, or use the site to harass anyone
• use ScoreTuner in any way that breaks the law

Our content and yours

The guides, tools, design, code and other material on ScoreTuner belong to us or our licensors. You may read, print and share pages for your personal, noncommercial use, and you're welcome to link to any page. Please don't republish our guides in bulk or present them as your own.

What you type into the tools and save to your account stays yours. You give us permission to store it, show it back to you, and use it to send the reminders you ask for, only so we can run the service for you. Letters you create with the letter builder are yours to use as you choose.

Other websites and partner offers

We link to other websites, such as AnnualCreditReport.com, the credit bureaus, and government agencies, because they're where the official forms and records live. We don't control those sites and aren't responsible for their content, policies or availability. If we add partner offers in the future, they'll be labeled where they appear, and any product you get from a partner is governed by that partner's terms. How we make money explains how partner offers would work.

No warranties

We work hard to keep ScoreTuner accurate and working, and we fix errors when we find them. Even so, ScoreTuner is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We don't warrant that the site will be uninterrupted or error-free, or that reminder emails will always arrive on time, since email delivery depends on systems we don't control. Keep your own record of important dates such as payment due dates and dispute deadlines.

Limitation of liability

To the fullest extent the law allows, ScoreTuner and its operator, owners, employees and contractors won't be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings, higher interest or fees, or denied applications, arising from your use of ScoreTuner or reliance on its content, even if we were told such damages were possible.

Our total liability for any claim relating to ScoreTuner is limited to the greater of the amount you paid us for Plus in the 12 months before the claim arose, or $50. Some states don't allow certain limits on liability, so some of these limits may not apply to you. In that case our liability is limited to the smallest amount the law permits.

If you use ScoreTuner in violation of these terms or the law and that leads to a claim against us, you agree to cover the reasonable costs of that claim, including attorney fees.

Suspending or ending access

We may suspend or close an account that breaks these terms, puts other users or the site at risk, or is required to be closed by law. Where it's reasonable and safe, we'll tell you why and give you a chance to fix the problem first. We may also change or stop offering a feature or the service. If we stop offering Plus entirely, we'll give you notice and refund the unused part of your current period.

Governing law and disputes

These terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law rules. If you have a problem, email us first so we can try to resolve it; please give us 30 days to work it out before starting a formal claim. Any claim that isn't resolved will be brought in the state or federal courts located in Florida, and you and we agree to their jurisdiction. Nothing in these terms takes away any consumer protection you have under the law of the state where you live that can't be waived by agreement.

Changes to these terms

We may update these terms. When we do, we'll post the new version here with a new "last updated" date. If a change materially affects your rights or your Plus subscription, we'll email account holders before it takes effect. If you keep using ScoreTuner after a change takes effect, the new terms apply. If you don't agree with a change, you can cancel Plus and close your account.

If any part of these terms is found unenforceable, the rest stays in effect. These terms, together with the privacy policy, are the whole agreement between you and us about ScoreTuner.

Contact

Questions about these terms: [email protected]. ScoreTuner is operated by ScoreTuner.