Terms of Service

CreditDoc is an informational comparison website. We provide reviews, ratings, comparisons, and educational content about credit repair companies, personal loan lenders, debt relief services, and other financial products and services.

We do not originate loans, provide credit repair services, offer financial advice, or act as an intermediary between consumers and service providers. The information on the Site is provided for educational and informational purposes only. See our Financial Disclaimer for full details.

CreditDoc aggregates information about thousands of financial service providers across the United States. We use a combination of public records, verified partner data, third-party directories, and automated data-collection systems, and we make a good-faith effort to keep this information accurate and current. However, we make no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, timeliness, suitability, or availability of any information on the Site.

The financial services industry changes constantly. Businesses open, close, relocate, rebrand, get acquired, change phone numbers, adjust their pricing, modify their products, and revise their terms on a daily basis. It is technically impossible for any directory of our size to remain perfectly current at all times. Specifically, you acknowledge that the following categories of information may be outdated, incomplete, or incorrect at the moment you view them:

• Business locations, addresses, and maps — CreditDoc displays addresses, directions, and map data sourced from third-party providers and public records. Businesses move, close branches, consolidate, shut down entirely, or operate from addresses that are not currently safe, accessible, or open to the public. Mapping data supplied by third-party providers (including but not limited to Google Maps, OpenStreetMap, Waze, and Yahoo Local) may lag behind real-world changes by days, weeks, or months. A location shown on CreditDoc should never be relied upon as proof that a business is currently open, operating from that specific address, safe to visit, or accessible to the public. Always call ahead and confirm before travelling to any physical location.
• Phone numbers, hours of operation, and contact details may change without notice. Always confirm by calling or contacting the business directly before making financial decisions.
• Pricing, fees, APRs, and loan terms may change without notice. Always verify current pricing directly with the service provider before making a purchase, sign-up, or borrowing decision.
• Company details (services offered, features, policies, licensing, ownership, BBB ratings, operating status) may change at any time. A company listed on CreditDoc as active today may be out of business, acquired, or under new management tomorrow.
• Third-party ratings (such as BBB ratings, Trustpilot scores, or Google reviews) are supplied by those organizations and may be updated at any time without our knowledge.
• User reviews and testimonials referenced in our content represent individual experiences and do not guarantee similar results.
• Websites, online portals, and application links may move, break, or be taken offline. CreditDoc is not responsible for the uptime, security, or content of any third-party website linked from the Site.
• Regulatory and licensing status varies by state and changes frequently. Before engaging any service, verify the provider's license directly with the appropriate state regulator.

You acknowledge and agree that any reliance on information provided on the Site is at your own risk, and that CreditDoc shall not be liable for any loss, damage, injury, or financial harm arising from inaccurate, outdated, or incomplete information displayed on the Site. If you find information on the Site that is inaccurate or out of date, please contact us so we can review and correct it, but we make no guarantee as to how quickly such corrections can be made.

Important Safety Notice. Many businesses listed on CreditDoc are storefront operations (including pawn shops, check cashing stores, payday lenders, cash advance offices, title loan locations, and similar brick-and-mortar financial service providers). CreditDoc does not verify the safety, security, operating status, accessibility, or neighborhood conditions of any physical location listed on the Site.

You assume all risk associated with any decision to visit a physical location referenced on CreditDoc. This includes, without limitation:

• Travel to and from the location, including traffic accidents, vehicle damage, personal injury, or any harm arising during transit.
• Personal safety at or near the location, including but not limited to crime, theft, assault, harassment, or any criminal act by any party.
• Discovering that a location is closed, relocated, demolished, or no longer operating as the type of business shown on the Site.
• Financial transactions, disputes, fraud, or losses arising from interactions with any business visited as a result of information found on the Site.
• Property damage, medical expenses, emotional distress, or any other loss or harm, whether direct, indirect, incidental, or consequential.

CreditDoc, its owners, operators, employees, contractors, affiliates, and data providers shall not be liable for any injury, loss, theft, damage, harm, or claim of any kind whatsoever arising from your physical visit to any location listed, referenced, linked, or displayed on the Site, regardless of the cause, and regardless of whether such injury or loss was foreseeable. By using the Site, you expressly waive and release any and all such claims against CreditDoc and its affiliates.

Before visiting any physical location, you are strongly encouraged to: (a) call the business directly to confirm it is open and operating, (b) review recent user reviews and safety ratings from independent sources, (c) verify the neighborhood and surroundings using tools such as local news, crime maps, and community forums, and (d) exercise the same caution you would before visiting any unfamiliar location.

CreditDoc is intended for use by residents of the United States. Some products, services, and advertisements displayed on the Site may not be available in all U.S. states due to state-specific licensing, regulatory, or legal requirements.

We use IP-based geolocation to detect your approximate geographic location and may suppress or modify certain content (including affiliate advertisements and sponsored recommendations) that is not available in your state. This geolocation is approximate and may not always be accurate, particularly if you use a VPN, proxy, or mobile data connection.

You are solely responsible for verifying that any financial service provider you engage with is licensed and authorized to operate in your state. CreditDoc does not guarantee that all services advertised on the Site are available or legally permissible in your jurisdiction. For more information about which services may be restricted in your state, see our Affiliate Disclosure.

All content on the Site -- including but not limited to text, reviews, ratings, graphics, logos, icons, images, data compilations, software, and the overall design and layout of the Site -- is the property of Cosmic Phoenix LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, or create derivative works based on the Site's content without our prior written consent
• Use any data mining, robots, scraping, or similar automated data gathering or extraction methods on the Site
• Frame or mirror any portion of the Site without our written permission
• Use the CreditDoc name, logo, or branding in any manner that implies endorsement or affiliation without written consent

Trademarks, service marks, and logos of third-party companies mentioned on the Site are the property of their respective owners and are used solely for identification and comparison purposes.

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site, you agree to first attempt to resolve the matter informally by contacting us at contact@creditdoc.co.

If the dispute cannot be resolved informally within 30 days, either party may pursue formal dispute resolution. Any dispute shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in English and the arbitral decision may be enforced in any court of competent jurisdiction.

CLASS ACTION WAIVER: You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.