Effective Date: May 4, 2026 — Version 1.0
These Terms & Conditions ("Terms") govern your use of CredBlu LLC ("CredBlu," "we," "us") services, websites, and mobile interfaces (collectively, the "Services"). By creating an account or enrolling in any plan, you agree to these Terms. Effective Date: May 4, 2026. Version 1.0.
By accessing or using the Services, you confirm that you are at least 18 years of age, a U.S. resident, and have the legal capacity to enter into a binding contract. If you do not agree to these Terms, do not use the Services.
CredBlu offers credit-builder installment accounts and related credit-education resources. Standard plans include Starter ($1,500 / 12 mo), Builder ($3,500 / 18 mo), and Accelerator ($7,500 / 24 mo). 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. CredBlu is not a bank, lender, credit repair organization, or financial advisor.
You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are responsible for safeguarding your login credentials and for any activity under your account. Notify us immediately at [email protected] of any unauthorized use.
Enrollment is subject to identity verification under the USA PATRIOT Act Customer Identification Program (CIP). We may require government-issued photo ID, proof of address, and additional information. We reserve the right to decline enrollment or close any account that fails verification.
You authorize CredBlu (and our payment processors Stripe and Credee, where applicable) to charge the payment method on file for the activation payment and recurring installments per your selected plan. All fees are disclosed at enrollment. Activation payments and completed installments are non-refundable except where required by law. Late fees up to $15 and returned-payment fees of $25 may apply.
You understand that CredBlu reports installment account activity to one or more nationwide consumer reporting agencies. On-time payments may help build positive credit history; late or missed payments will be reported and may negatively impact your credit. CredBlu does not guarantee any particular credit outcome.
You agree not to (a) use the Services for any unlawful purpose, (b) misrepresent your identity, (c) attempt to interfere with or compromise the security of the Services, (d) reverse engineer or scrape the Services, or (e) use the Services to harass or defraud any person. Violations may result in immediate account termination.
All content, trademarks, logos, software, and materials on the CredBlu Services are owned by CredBlu LLC or its licensors and are protected by U.S. and international intellectual property laws. You receive a limited, non-exclusive, non-transferable license to access the Services for personal, non-commercial use.
Our collection and use of personal information is described in our Privacy Policy and the Additional Notices acknowledged at enrollment. We comply with the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and the Equal Credit Opportunity Act (ECOA). We do not sell your personal information.
The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. CredBlu does not warrant that the Services will be uninterrupted, error-free, or secure.
To the maximum extent permitted by law, CredBlu and its officers, employees, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues. CredBlu's total cumulative liability shall not exceed the total fees you paid to CredBlu in the 12 months preceding the claim.
Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, on an individual basis. You waive any right to a jury trial or to participate in a class or representative action. This Agreement is governed by the laws of the State of Florida.
CredBlu may update these Terms from time to time. Material changes will be communicated via email or in-app notice at least 30 days in advance. Continued use of the Services after the effective date of changes constitutes acceptance. CredBlu may suspend or terminate your account for violation of these Terms or for any reason permitted by law.
CredBlu LLC | Email: [email protected] | Web: https://credblu.com