Last updated: 2026
By using BadCreditMentor, you agree to these terms. Please read them carefully.
You are purchasing access to BadCreditMentor's educational platform: self-study courses, letter templates you complete and send yourself, calculators, and AI guidance. We do not contact bureaus or creditors, do not dispute anything on your behalf, and do not provide credit monitoring or credit counseling.
Memberships and one-time purchases grant a license to access digital educational content and software tools on this platform. Nothing you buy includes services performed on your behalf. You decide what to send, to whom, and when, and you are responsible for the accuracy of anything you submit to a bureau, creditor, or collector.
BadCreditMentor is a credit education and self-help platform. We are not a credit repair organization as defined by the Credit Repair Organizations Act (CROA), not a law firm, and not a credit counseling or credit monitoring service. We never charge for future deletions. Under the Fair Credit Reporting Act (FCRA) you have the right to dispute inaccurate information yourself, free of charge, directly with the credit bureaus. No outcome or score increase is guaranteed.
We are not a credit repair organization, credit counseling agency, credit monitoring service, debt settlement company, law firm, or financial advisor. We make no guarantee of any specific credit score, deletion, approval, or other result.
BadCreditMentor provides educational content and tools only. Nothing on this site should be considered financial, legal, or credit repair advice, and no attorney-client or fiduciary relationship is created by using the platform.
Memberships are recurring platform-access subscriptions and can be canceled at any time from your dashboard. Digital product purchases are final unless otherwise stated in our refund policy.
For questions about these terms, contact support@badcreditmentor.com.
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Educational credit guidance. We are not a credit repair organization and results vary.