Terms of Use
Last updated: October 2026
By using YourBestCreditBuilder.com you agree to these terms. Please read them — especially the part about education versus advice, and results not being guaranteed.
1. What this site is
YourBestCreditBuilder.com (“we,” “us,” the “Site”) publishes educational guides, tools, and resources about building and rebuilding credit. It is part of the ByTheMath network.
2. Educational only — not advice
We are not a credit repair organization, law firm, lender, or financial advisor. Everything here is general education, not personalized legal, financial, tax, or credit-repair advice. Nothing on this Site creates an advisor, attorney, or fiduciary relationship. For advice about your specific situation, consult a qualified professional.
Sample letters (such as our 609 and goodwill templates) are educational examples you adapt and send yourself. You are responsible for what you submit and for the accuracy of any dispute you file.
3. Results are not guaranteed
Credit outcomes depend on your individual circumstances and the decisions of lenders and credit bureaus, which we do not control. We make no promise or guarantee that following any guide, or using any tool will raise your credit score, remove any item, or produce any particular result. Any examples or timelines are illustrative, not a promise.
4. Free to use
The guides and tools on this Site are free. We don’t sell credit repair services and never charge advance fees. The Site is funded by advertising and may be funded by affiliate commissions.
5. Affiliate links
Some links may be affiliate links, meaning we may earn a commission at no extra cost to you. This never changes which products we recommend or how they’re ranked — see our Affiliate Disclosure for the full explanation.
6. Acceptable use
You agree not to misuse the Site — no attempting to break, overload, scrape at scale, or gain unauthorized access to it, and no using our content for unlawful purposes. You may use our guides for your own personal credit journey.
7. Intellectual property
The content, design, and templates on this Site are owned by us or our licensors and are protected by law. You may use them for your own personal use. You may not republish, resell, or redistribute our content or products without written permission.
8. Third-party links
We link to third-party sites (card issuers, tools, and partners). We don’t control those sites and aren’t responsible for their content, products, or practices. Always verify terms directly with the issuer or provider before applying or buying.
9. Disclaimer & limitation of liability
The Site and its content are provided “as is,” without warranties of any kind, express or implied. To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content.
10. Changes to these terms
We may update these terms from time to time. Changes take effect when posted, and we’ll revise the “Last updated” date above. Continuing to use the Site means you accept the current terms.
11. Contact
Questions about these terms? Contact us here.
YourBestCreditBuilder is part of the ByTheMath network. Ranked by math. Not by margin.