Terms of Service
Last updated: 2026
Services
Credit Zoe provides credit education and assistance with the credit dispute process. We are not a law firm and do not provide legal, tax, or financial advice.
No guaranteed results
Results vary. We do not guarantee any specific credit score increase, the removal of any particular item, or approval for any loan or credit product. We do not attempt to remove accurate, timely, and verifiable information from your credit reports.
Your rights
Under the Fair Credit Reporting Act you may dispute inaccurate, incomplete, or unverifiable information directly with the credit bureaus at no cost. You may cancel our services in accordance with your service agreement and applicable law.
Your responsibilities
You agree to provide accurate information, to forward bureau correspondence promptly, and not to request disputes of information you know to be accurate.
Contact
Questions about these terms: hello@creditzoe.com.