Credit Disclaimer

1. No Guaranteed Credit Score Increase

Credit Blooms provides credit education, financial wellness resources, and membership-based support. Credit Blooms does not guarantee credit score increases, funding approvals, loan approvals, deletions, or specific financial outcomes. Results vary based on each individual's credit profile, payment history, account activity, lender requirements, and other factors.

2. How Credit Reporting Works

Credit Blooms assists members by reporting rent payment history to Equifax, Experian, and TransUnion. While on-time rent payments can positively impact credit scores, the actual effect depends on each bureau's proprietary scoring models, the overall composition of your credit file, and other factors outside our control. Some members see score increases within weeks; others take months. Some may not see an increase at all.

3. Membership Billing Disclosure

Credit Blooms membership plans are billed monthly on a recurring basis. Membership fees are charged to your payment method on file each month on your billing date. You may cancel within 3 days of your membership start date to receive a full refund. After the 3-day window, fees are non-refundable for the current billing cycle. You may cancel at any time — cancellation takes effect at the end of your current billing period. For full details, see our Refund & Cancellation Policy.

4. Not a Credit Repair Organization

Credit Blooms is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA). We do not charge fees in advance of performing credit repair services, nor do we promise to remove accurate negative items from your credit report. Our service focuses on building positive credit history through rent payment reporting and providing financial education and wellness tools.

5. Accuracy of Reported Information

Credit Blooms reports rent payment information as provided by members and verified through landlords or property managers. We make reasonable efforts to ensure the accuracy of reported data. If you believe information reported to a credit bureau is inaccurate, contact us immediately at support@creditblooms.com and we will investigate.

6. Third-Party Decisions

Credit decisions — including mortgage approvals, auto loans, credit card applications, rental applications, and any other lending or credit decisions — are made entirely by the relevant financial institution, lender, or decision-maker. Credit Blooms has no influence over these decisions and is not responsible for any denial, delay, or adverse terms you may receive.

7. Educational Content

All educational content provided by Credit Blooms — including blog posts, guides, tools, and resources — is for informational purposes only and does not constitute financial advice. You should consult with a qualified financial professional before making major financial decisions.

8. Contact

For questions about these disclaimers, contact us at support@creditblooms.com or through our Contact page.