Terms of service

The service

Instacredit provides credit monitoring, credit score and credit report access, and related alerts to consumers in the United States. By creating an account you authorize Instacredit to obtain your consumer credit information from consumer reporting agencies, on your behalf, for the purpose of providing the service to you.

Eligibility

You must be at least 18 years old, a resident of the United States, and using the service for your own personal, non-commercial purposes. You may only access your own credit information.

Not credit repair, not advice

Instacredit is not a credit repair organization and does not provide credit repair services. Nothing on the service is legal, financial or tax advice. Scores displayed are educational and may differ from scores used by a particular lender.

Free trial and subscription

New accounts receive a 30-day free trial. When the trial ends, the subscription is billed at $19.99 per month, in advance, on a recurring basis until cancelled. We will send a reminder to your account email before the trial ends.

You may cancel at any time from your account settings with no cancellation fee. Cancelling before the trial ends means you will not be charged. Cancelling after that takes effect at the end of the current billing period.

Account security

You are responsible for keeping your login credentials confidential and for activity that occurs under your account.

Termination

You may close your account at any time. We may suspend or terminate accounts that violate these terms or where required by law.

Contact

Questions about these terms: [email protected].