Terms of Service

Use of Shift.credit is subject to lawful, consumer-directed use only.

Users are responsible for reviewing all uploaded documents, generated dispute letters, account details, and mailing instructions before use. Subscription fees recur according to the selected Stripe plan until canceled. Abuse of upload, dispute, payment, or notification systems may result in suspension. The platform is provided on an as-is basis without guarantees of bureau correction, score improvement, or creditor response.