Terms
Terms of Use
Last updated: November 10, 2026
These Terms of Use cover your use of yourcreditpulse.com (the "site"), run by Your Credit Pulse, Credit Pulse USA LLC ("Credit Pulse," "we," "us"). By using the site, you agree to these terms. If you don't agree, please don't use the site.
1. Who this site is for
Our services are offered to Florida residents only. We communicate by email only. We do not send text messages and do not offer phone support through this site.
2. Education, not advice
What you read on this site and in our emails is general education. It is not financial, investment, tax, legal or insurance advice. It is not tailored to you. Credit Pulse is not a registered investment adviser, broker-dealer, law firm or tax adviser. For advice about your own situation, talk to a qualified professional.
3. No guarantees
We do not guarantee any credit score, deletion, loan approval, interest rate or timeline. Results vary. No one can force a bureau to remove accurate, current, verifiable information, and we don't promise to. Our work is limited to helping you dispute items you believe are inaccurate, incomplete or unverifiable, and asking the credit bureaus and creditors to verify them.
4. Client services are separate
Using this site does not make you a client. Credit services are provided only under a separate written agreement. Before you sign, you will receive the federal notice "Consumer Credit File Rights Under State and Federal Law." Your written agreement, not these terms, governs those services, including fees and billing. You can cancel your agreement, without penalty, until midnight of the fifth day after you sign it, or the third business day if that's later. You'll get Notice of Cancellation forms with your agreement.
5. Protect your sensitive information
Never send your Social Security number, passwords, account logins or ID documents by email or through our public web forms. If we need sensitive information for client services, we collect it only through our secure onboarding process under your written agreement.
6. Third-party services
Some services we mention or use are run by other companies, such as IdentityIQ (credit report monitoring) and Credit Repair Cloud (client portal). They are separate from Credit Pulse. They have their own terms, privacy policies and costs. Please read them before you sign up. IdentityIQ shows its price and any renewal terms before you pay.
7. Affiliate links
Some links on this site are affiliate links. If you sign up through one, such as an IdentityIQ link, we may earn a commission. This does not change your price.
8. Using the site
Please don't:
- Break the law or use the site to harm anyone
- Submit false information or someone else's information without permission
- Try to hack, overload or disrupt the site
- Scrape or copy the site with automated tools
- Post or send spam, malware or abusive content
We may limit or end access for anyone who breaks these rules.
9. Our content
The site's text, graphics, logos, and videos belong to Credit Pulse or its licensors. You may view and print them for your own personal, non-commercial use. Please don't copy, sell or republish them without our written permission.
10. Links to other sites
The site may link to other websites. We don't control them and aren't responsible for their content, offers or privacy practices. Visiting them is at your own risk.
11. No warranty
The site and its content are provided "as is" and "as available." We try to keep information accurate and current, but we don't promise it is complete, error-free or always available.
12. Limitation of liability
To the extent the law allows, Credit Pulse is not liable for indirect, incidental or consequential damages from your use of the site or its content. Nothing here limits rights you have under the federal Credit Repair Organizations Act, Florida law or your written agreement.
13. Privacy
Our Privacy Policy (link to /privacy-policy) explains how we handle your information.
14. Changes to these terms
We may update these terms. We'll post the new version here with a new "Last updated" date. If you keep using the site after that, the updated terms apply.
15. Governing law
These terms are governed by Florida law.
16. Contact us
Questions? Email us at