Draft. This document has not yet been reviewed by legal counsel and is not final.
Disclosures
Last updated September 2026
Credit scores
The credit scores shown by Instacredit are educational scores provided by consumer reporting agencies. There are many different credit scoring models, and the score a lender uses to make a credit decision may be different from the score shown here.
Soft inquiries
When you access your own credit information through Instacredit, the request is recorded as a soft inquiry. Soft inquiries are visible only to you and do not affect your credit score.
Free annual credit reports
Under federal law you are entitled to a free copy of your credit report from each nationwide consumer reporting agency. You can obtain these at annualcreditreport.com. Instacredit is a separate service and is not affiliated with that program.
Not credit repair
Instacredit is not a credit repair organization as defined under federal or state law and does not provide credit repair services. We cannot remove accurate, current and verifiable information from your credit report. You have the right to dispute inaccurate information directly with the consumer reporting agency at no cost.