Consumer disclosures

You can dispute credit report items yourself, for free

Under the Fair Credit Reporting Act you have the right to dispute information on your credit report that you believe is inaccurate, directly with the credit reporting agencies and with the creditor that furnished it. The bureaus accept disputes at no charge, by mail and online. You are entitled to a free copy of your credit report from each nationwide bureau at annualcreditreport.com.

You do not need Credit680 to exercise that right. Our subscription buys software that helps you find the items, draft the letters, and track what you sent — it does not buy access to a right you already have.

Credit680 is software, not a service performed for you

You select which items to dispute. You review and edit each letter. You send it under your own name. Credit680 does not contact credit reporting agencies or creditors on your behalf and does not act as your agent or representative.

We are not a law firm

Nothing on this site or in the product is legal advice. If you want advice about your specific circumstances — including identity theft, litigation, or bankruptcy records — speak with a consumer-finance attorney.

We do not promise results

No one can honestly promise that a disputed item will be changed or removed, or that your credit score will move by any particular amount, in any particular time. Whether an item changes is determined by the credit reporting agency and the furnisher after they investigate. Be sceptical of any provider who tells you otherwise.

Accurate information stays on your report

The dispute process exists for information that is inaccurate, unverifiable, or past its permitted reporting period. It is not a way to remove accurate, timely negative information, and Credit680 will not help you claim otherwise.

How we obtain your credit report

Your report reaches us one of two ways: through a consumer-permissioned import that you explicitly authorize, or because you uploaded a copy yourself. We do not ask for your credit bureau usernames or passwords, we do not log in as you, and we do not scrape. Your consent to a permissioned import is recorded, scoped, and can be withdrawn.

Billing

Credit680 is billed as a monthly software subscription. There is no setup fee and no minimum term, and you can cancel from your account at any time. Your first analysis does not require a payment method. You are not paying an advance fee for a future credit outcome.

Your data

We store the minimum personal information needed to operate the tool, encrypt it in transit and at rest, mask account numbers, and scope every record to your account. You may request deletion of your data at any time by writing to support@credit680.com. See the Privacy Policy for detail.

Site-wide disclaimer

Credit680 is a software tool. We are not a law firm and do not provide legal advice. You have the right to dispute inaccurate information on your credit report yourself, for free, by contacting the credit bureaus and your creditors directly. We do not guarantee any specific results or changes to your credit score. Results depend on your individual circumstances and the credit bureaus’ determinations.