Terms and Conditions
Last updated: February 23, 2026. These Terms and Conditions ("Terms") are a legal agreement between you and CreditLink for your use of our website, applications, and consumer-permissioned data furnishing services.
Acceptance of Terms
By creating an account, accessing, or using CreditLink services, you confirm that you read and agree to these Terms and our Privacy Policy. If you do not agree, do not use the services.
Eligibility
You must be at least 18 years old and legally capable of entering a binding contract. You are responsible for providing accurate, complete, and current information.
Credit Reporting Services
CreditLink helps consumers report eligible rent and bill payment obligations. Reporting is governed by the Fair Credit Reporting Act (FCRA), bureau requirements, and applicable law. CreditLink does not guarantee score increases, credit decisions, or bureau acceptance of furnished data.
Consumer Consent and Authorization
We only furnish data after explicit consumer consent. By consenting, you authorize CreditLink to collect, verify, and furnish eligible payment information. Consent records, attestations, and supporting verification artifacts are retained for compliance and audit purposes.
Consent Revocation
You may revoke consent at any time in account settings. Revocation stops future furnishing and triggers closure handling for active tradelines. Previously furnished historical data may remain on bureau files per bureau and legal requirements.
Identity and Source Verification
CreditLink may require identity verification, linked account verification, and data-source legitimacy checks before furnishing. We may suspend or reject furnishing when verification requirements are not met.
Fees and Billing
Some services require paid subscriptions or add-ons. Charges, renewal terms, and any applicable taxes are shown at purchase. Unless otherwise stated, fees are non-refundable once digital services have been delivered.
Disputes and Corrections
If you believe furnished information is inaccurate, contact CreditLink support immediately. You may also file disputes directly with consumer reporting agencies. CreditLink maintains documented investigation and correction procedures.
Prohibited Use
You agree not to:
- Use the platform for fraudulent, unlawful, or deceptive purposes.
- Attempt unauthorized access, scraping, or reverse engineering.
- Submit data that is false, manipulated, or not your own obligation.
Termination
We may suspend or terminate access if required by law, payment failure, suspected fraud, or material violation of these Terms.
Disclaimers and Liability Limits
Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, CreditLink disclaims implied warranties and is not liable for indirect, consequential, or speculative damages.
Arbitration and Class Action Waiver
Disputes may be resolved through binding arbitration on an individual basis, not as a class action, except where prohibited by applicable law.
Contact
Legal Entity: JayReach, LLC (CreditLink)
Mailing Address: 299 River St, Waltham, MA 02453
Support: support@creditlink.com
Disputes: support@creditlink.com
Legal Notices: support@creditlink.com