Effective Date: May 4, 2026 — Version 1.0
This Credit as a Service Agreement (the "Agreement") is entered into between CredBlu ("Company," "we," "us," or "our"), a credit-builder service operated by IAM Consulting LLC, and the individual enrolling in our credit-builder program ("Client," "you," or "your"). By completing enrollment and making your initial payment, you agree to all terms set forth herein.
"Credit Builder Account" — A secured installment account opened in your name through one of CredBlu's partnered financial institutions, designed to build positive credit history through reported payments. "Activation Payment" — The one-time down payment required to enroll in your selected plan (Starter: $250, Builder: $500, or Accelerator: $1,000). "Account Value" — The total reportable value of your credit builder tradeline (Starter: $10,000, Builder: $20,000, or Accelerator: $35,000). "Monthly Payment" — The recurring payment you make each month during your plan term to maintain active reporting status. "Credit Bureaus" — Experian, Equifax, and TransUnion, the three major consumer credit reporting agencies in the United States. "Tradeline" — The credit account entry that appears on your credit report as a result of enrollment in this program. "Credee" — Our third-party activation partner that facilitates the setup of your credit builder account.
CredBlu provides a Credit as a Service (CaaS) platform that enables clients to build or rebuild their credit profiles. Upon enrollment, CredBlu will: 1. Open a Secured Installment Account in your name with a partnered financial institution. The principal balance is held in a secured reserve for the duration of your term. 2. Report Monthly Payment Activity to all three major Credit Bureaus (Experian, Equifax, and TransUnion) on your behalf. Both on-time and late payments will be reported accurately. 3. Provide a Client Dashboard where you can monitor your account status, payment history, credit score progress, and plan details. 4. Facilitate Account Activation through our Credee integration, which verifies your identity and sets up the tradeline with the financial institution. CredBlu does NOT provide credit repair, debt consolidation, credit counseling, financial advisory, or loan origination services. We are strictly a credit-builder tradeline service.
CredBlu currently offers the following standard plans: Starter — Activation Payment: $250 (one-time) | Account Value: $10,000 | Term: 12 months Builder — Activation Payment: $500 (one-time) | Account Value: $20,000 | Term: 18 months Accelerator — Activation Payment: $1,000 (one-time) | Account Value: $35,000 | Term: 24 months Custom plan configurations (different account values, term lengths, or multi-account packages) may be arranged on a case-by-case basis at CredBlu's discretion. Custom terms will be documented separately and provided to you in writing. CredBlu also offers custom credit builder accounts with account values up to $95,000, available by request. Custom plans may include different account values, term lengths, activation payments, and multi-account packages. Contact [email protected] for details.
1. Account Creation: You create an account on credblu.com with a valid email address and secure password. 2. Personal Information: You complete the intake form providing your full legal name, date of birth, Social Security Number (SSN), mailing address, phone number, and a valid government-issued photo ID. 3. Legal Agreements: You review and electronically sign this CaaS Agreement, the Terms and Conditions, and the Credit Builder Service Agreement. 4. Activation Payment: You submit your one-time activation payment via Stripe (credit/debit card), Zelle, CashApp, or bank wire transfer. 5. Credee Activation: You complete the Credee activation step to finalize your credit builder account setup with the partnered financial institution.
By enrolling, you expressly authorize CredBlu and its partnered financial institutions to: • Report your full payment history — including on-time, late, and missed payments — to Experian, Equifax, and TransUnion on a monthly basis. • Report the opening, status changes, and closing of your credit builder account to the Credit Bureaus. • Use your personal information (including SSN) for the limited purposes of identity verification, account servicing, and credit bureau reporting. You understand that on-time payments may help improve your credit score, while late or missed payments may negatively impact your credit score. CredBlu cannot control how the Credit Bureaus calculate your score.
• Your Activation Payment is due at enrollment and is non-refundable once processed. • Monthly payments are due on the same date each month following your enrollment. The exact amount depends on your plan and account configuration. • Payments more than 30 days past due will be reported to the Credit Bureaus as delinquent. • Repeated payment failures may result in account suspension or termination at CredBlu's discretion. • All payments are non-refundable once processed. See the Terms and Conditions for full refund policy details.
To begin credit bureau reporting, you must complete the Credee activation and your first monthly payment must be received within seven (7) days of your enrollment date. Once processed, the reporting cycle begins and you can expect the new tradeline to appear on your credit report within 14 to 30 days. If activation is not completed within 30 days of enrollment, CredBlu reserves the right to close the account. The activation payment remains non-refundable.
Credit scores are calculated by independent bureaus using proprietary algorithms and factors entirely outside CredBlu's control. While our service is designed to add positive payment history to your credit file, we cannot and do not guarantee any specific credit score increase, loan approval, interest rate reduction, or other financial outcome. Results vary based on your overall credit profile, existing debts, and payment behavior across all accounts.
CredBlu takes your privacy seriously. We collect personal information solely for the purposes described in this Agreement. Specifically: • Your SSN is collected solely for credit bureau reporting and identity verification. It is encrypted at rest and in transit. • Your government-issued ID is stored securely in our private cloud storage and is used solely for identity verification. • We will never sell your personal information to third parties. • We share your data only with our partnered financial institutions and the Credit Bureaus as necessary to provide the services described herein. For complete details, please review our Privacy Policy at credblu.com/privacy.
You may cancel at any time by contacting [email protected] from the email on your account. Key cancellation terms: • Cancellation takes effect 30 to 60 days after your written request is received. • During the cancellation window, your account remains active and monthly payments may still be drafted and reported. • Upon closure, the tradeline is reported as a "Closed" account reflecting your full payment history. • All payments previously made are non-refundable.
To the maximum extent permitted by applicable law: • CredBlu's total liability to you for any claims arising from this Agreement shall not exceed the total amount you have paid to CredBlu in the twelve (12) months preceding the claim. • CredBlu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of credit opportunities, loan denials, or increased interest rates. • CredBlu is not responsible for errors, delays, or omissions by the Credit Bureaus or partnered financial institutions in processing or displaying your tradeline.
Any dispute arising from this Agreement shall be resolved through binding individual arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in any class action or class-wide arbitration. This Agreement is governed by the laws of the State of California, without regard to conflict-of-laws provisions.
This CaaS Agreement, together with the CredBlu Terms and Conditions and Privacy Policy, constitutes the entire agreement between you and CredBlu regarding the credit builder services. Any prior oral or written understandings are superseded by this Agreement.
CredBlu (operated by IAM Consulting LLC) Email: [email protected] Website: credblu.com