Terms of use

Effective September 28, 2026.

These terms cover your use of this website during early access. Separate written service contracts, including the disclosures required by law, will apply when member accounts open.

Early access

Joining early access is free and does not create a service agreement or obligate you to buy anything. You will see the full price and terms before you enroll.

No guarantees

No one can guarantee that information will be removed from a credit report or that a credit score will change. Credit bureaus decide the outcome of every dispute, and accurate, timely information can remain on a report.

Not a lender

Upstanding Credit is not a lender and does not make credit decisions. Examples on this site are illustrative.

Educational content

Information on this site is general education, not legal or financial advice for your situation.

Contact

Questions: [email protected].