Terms of use
Consumer Credit File Rights Under State and Federal Law
You have the right to dispute inaccurate information on your credit report by contacting the credit bureaus directly. However, neither you nor any credit repair company or organization has the right to remove accurate, current, and verifiable information from your credit report. Credit bureaus are only required to remove negative information if it is inaccurate, outdated, or unverifiable.
Most negative information stays on your report for seven years.Bankruptcies can remain for up to ten years. You have the right to obtain a free credit report if:
You were denied credit, employment, insurance, or housing within the past 60 days due to your credit report.You are unemployed and plan to apply for work in the next 60 days.You receive public assistance.You suspect fraud or identity theft.
You also have the right to sue a credit repair organization that violates the Credit Repair Organizations Act (CROA), which prohibits deceptive practices by credit repair companies.
You may cancel your contract with any credit repair organization within three business days from signing.
Your Rights to Dispute Credit Report Errors
Credit bureaus must follow reasonable procedures to ensure the accuracy of your credit report. However, mistakes can and do happen.
You can notify a credit bureau in writing that you dispute the accuracy of any item.The credit bureau must reinvestigate and either correct or remove inaccurate information.You are not required to pay a fee for this dispute process.If your dispute is not resolved to your satisfaction, you can add a statement to your credit file explaining your position.
For more information, contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
CreditMojo.AI – What We Do
CreditMojo.AI is an AI-powered credit dispute tool that provides consumers with the ability to generate custom dispute letters for inaccurate, outdated, or unverifiable items on their credit reports.
By opening a CreditMojo.AI account, you agree to these Terms of Use and our Privacy Policy.
Your CreditMojo.AI Membership Includes:
Link Your Credit Reports & ScoresSecurely connect your credit reports and scores from all three major bureaus using our credit monitoring partner, SmartCredit.Analyze Your Credit ReportAI scans your credit report to help you identify potential errors, outdated information, or unverifiable negative accounts.Generate Dispute LettersCreate expertly crafted dispute letters for accounts that may be inaccurate, outdated, or unverifiable. Our system helps you generate unlimited dispute letters for multiple accounts across all three bureaus.Monitor Your Credit Repair ProgressTrack your credit report updates and receive alerts as your disputes are processed.Educational Resources & Credit StrategiesGain access to video tutorials, credit-building strategies, and expert guidance on improving and maintaining a healthy credit score.Full Access to Fortress UYour membership includes exclusive access to all past Fortress U credit-building courses.
Authorization & Data Storage
By linking your credit reports to CreditMojo.AI, you authorize us to:
Store your credit report data securely.Access your linked credit monitoring account to retrieve updates on your reports and scores.
We take your privacy and security seriously—your information is never shared or sold to third parties.
CreditMojo.AI Pricing
Mojo Lite
– $39.95/month
AI-generated dispute letters
Credit report analysis
Full credit monitoring portal
Credit-building resources
Mojo Mastery
– $49.95/month
Everything in Mojo Lite
7 Days to 740+ Credit Course
Live Weekly Coaching Calls
Full Access to Fortress U Courses
No contracts. Cancel anytime.
Cancellation Policy
You may cancel your membership at any time through your account settings.
To cancel your CreditMojo.AI membership:
Log in to your account and follow the cancellation instructions:Cancel My Membership
Contact Information
Email: [email protected]
Phone: 888-393-1931
Support Hours: Monday - Friday, 9 AM - 5 PM PST
CreditMojo.AI is an independent credit education and dispute tool. We do not offer credit repair services or make guarantees about credit score improvements.
Notice of Cancellation Form
You may cancel this contract without penalty or obligation at any time.
To cancel this contract with CreditMojo.AI, log into your account and cancel via your account settings: Cancel My Membership If you need assistance, you may contact us at:
Email:[email protected]
Phone:888-393-1931
I hereby cancel this transaction.
Date:
_______________
Purchaser's Signature:
_______________
Legal Notice & Compliance
FTC Disclaimer: CreditMojo.AI is not a credit repair organization as defined under federal or state law. We provide educational tools and AI-powered dispute automation to assist consumers in managing their own credit reports.Fair Credit Reporting Act (FCRA) Compliance: YouFooter-2 have the right to dispute any inaccurate, incomplete, or unverifiable information on your credit report directly with the credit bureaus.Credit Repair Organizations Act (CROA) Compliance: CreditMojo.AI does not remove accurate or current information from credit reports and does not guarantee specific credit score improvements.
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