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Terms of Use

Last updated: May 24, 2026

Please read these terms carefully. By using That.You Credit, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

1. Acceptance of terms

These Terms of Use ("Terms") govern your access to and use of the website at that.you and all related pages, tools, calculators, letter generators, and content (collectively, the "Site"), operated by That.You Credit ("we", "us", "our"). By accessing or using the Site in any way, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

2. Eligibility

The Site is intended for users who are 13 years of age or older. By using the Site, you represent and warrant that you are at least 13 years old. If you are under 18, you represent that you have your parent's or guardian's permission to use the Site. We do not knowingly collect personal information from children under 13.

3. Educational content only — not professional advice

All content on this Site — including articles, guides, calculators, letter generators, checklists, and any other material — is provided for informational and educational purposes only. Nothing on this Site constitutes:

  • Legal advice or the establishment of an attorney-client relationship
  • Financial advice or investment recommendations
  • Tax advice
  • Credit counseling as defined by applicable law
  • Credit repair services as defined by the Credit Repair Organizations Act (CROA)

That.You Credit is not a licensed attorney, financial advisor, credit counselor, or credit repair organization. We do not act on your behalf with creditors, debt collectors, or credit bureaus. We charge no fees for our educational content.

Always consult a qualified, licensed professional — such as a consumer law attorney, certified financial planner, or accredited credit counselor — for advice specific to your situation.

4. User accounts

When you create an account, you agree to:

  • Provide accurate and complete information.
  • Maintain the security of your account credentials and not share them with others.
  • Notify us immediately if you suspect unauthorized access to your account.
  • Take responsibility for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that violate these Terms, engage in abusive behavior, or are inactive for an extended period, with or without prior notice.

5. Acceptable use

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You agree not to:

  • Submit false, misleading, or fraudulent information through any form or tool on the Site.
  • Use the Site to harass, threaten, or intimidate any person.
  • Attempt to gain unauthorized access to any part of the Site or its underlying systems.
  • Use automated bots, scrapers, or crawlers to extract content from the Site without written permission.
  • Reproduce, republish, sell, or redistribute Site content for commercial purposes without prior written consent.
  • Upload or transmit viruses, malware, or any other malicious code.
  • Use the Site in any way that could damage, disable, overburden, or impair our servers or networks.
  • Impersonate any person, business, or entity.

6. Intellectual property

All content on this Site — including text, guides, articles, tool interfaces, calculators, letter templates, graphics, logos, and design elements — is owned by or licensed to That.You Credit and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site and its content for your own personal, non-commercial purposes. You may save or print individual articles for personal use. You may not:

  • Republish, distribute, or sell Site content without written permission.
  • Remove any copyright, trademark, or other proprietary notices from any content.
  • Use our name, logo, or branding without prior written consent.

7. Third-party links and resources

The Site may contain links to third-party websites, resources, or services that are not owned or controlled by That.You Credit. These links are provided for convenience and informational purposes only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party site. Visiting third-party sites is at your own risk and subject to their own terms and policies.

8. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Site will be available at all times or free from errors or interruptions.
  • Any information on the Site is current, accurate, or complete.
  • Use of the Site will produce any specific outcome for your credit profile.

Credit laws, bureau processes, and collector rules change. While we strive to keep content current, always verify important information with official sources such as the CFPB (consumerfinance.gov), FTC (ftc.gov), and AnnualCreditReport.com.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THAT.YOU CREDIT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, DAMAGE TO REPUTATION, OR RELIANCE ON ANY INFORMATION OBTAINED THROUGH THE SITE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

10. Indemnification

You agree to indemnify, defend, and hold harmless That.You Credit and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any rights of a third party.

11. Governing law and disputes

These Terms are governed by the laws of the United States, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for intellectual property infringement or unauthorized access claims.

You waive any right to participate in a class action lawsuit or class-wide arbitration against That.You Credit.

12. Changes to these terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of this page. For significant changes, we may also notify registered users by email. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

13. Contact us

Questions about these Terms? Contact us and we will respond within 10 business days.