Last updated: September 7, 2026
These Terms govern your use of the CredX website and account-based software platform, operated by The Malloy Group Financial LLC d/b/a CredX ("CredX," "we," "us"). CredX provides credit intelligence, financial-readiness tools, education, reports, progress tracking and workflow features. Available features depend on your plan and the information you provide; a feature described as planned is not part of your purchase.
Report sources and account flow. Customers sign up, review and sign the applicable agreement, complete intake, then upload a credit report or use the provided third-party report-provider links. CredX provides credit-profile tracking, report-analysis and credit-building tools. A provider enrollment or saved provider details do not by themselves enable automatic report imports, continuous credit monitoring or alerts inside CredX. Third-party monitoring subscriptions have separate fees, terms and cancellation requirements.
You must be at least 18 and a U.S. resident. Provide accurate account information, protect your credentials, and promptly report suspected unauthorized access. Do not share your password; use individual accounts and authorized team invitations where your plan supports them.
Subject to your plan, we grant you a limited, non-exclusive, non-transferable right to use the platform for your own purposes or your organization's authorized internal client work. Organization users must have authority and required client permissions to upload or access client information. Team roles and assignments determine access. A professional account does not confer a license to practice law, provide regulated advice, or act for CredX.
Do not resell access, redistribute proprietary course materials, circumvent plan limits, access another user's data, introduce malicious files, scrape non-public information, or use the platform for identity misrepresentation, fabricated disputes or false statements. Restrictions do not limit uses protected by applicable law.
You retain your rights in information you submit. You authorize CredX and its service providers to process it as needed to operate and support the features you use, as described in the Privacy Policy. You may use and retain reports and documents generated for your own authorized purposes. CredX retains rights in its software, branding, underlying templates and educational content; this does not transfer ownership of your personal records to CredX.
CredX Readiness Score is a proprietary readiness metric, not a consumer credit score such as FICO, a credit report, a lending decision or a guarantee. Results may use your entries and uploaded reports and may be incomplete or out of date. CredX does not promise live bureau monitoring or direct bureau access unless a specific authorized integration is expressly identified.
Cesar and other AI-assisted features can produce inaccurate or incomplete information. Review outputs before relying on them or sending documents. AI is not an attorney, lender or decision-maker; it does not guarantee deletions, score changes, funding or approvals. CredX is not a law firm and does not provide legal representation. Seek a qualified professional for advice about your circumstances.
You can dispute inaccurate information directly with credit bureaus for free. No one has the right to remove accurate, current and verifiable information merely because it is unfavorable. Read the CROA rights information and the separate documents provided for your Service Agreement. No paid dispute work begins before the signed agreement and applicable cancellation period permit it.
Where you select a monthly plan, its term is month to month until canceled under the disclosed terms, not an estimated period to repair credit. No credit-improvement deadline is promised. Any optional support must separately identify the agreed deliverables and estimated performance period; the subscription term does not replace those requirements.
Prices are in USD. Your accepted order or signed agreement must identify the purchased features or services, price, billing frequency and any recurring authorization. Not every product renews: the currently offered Masterclass and one-time Premium purchase are not monthly subscriptions merely because an account is provided. We do not impose a new recurring charge based solely on your use of this website.
Recurring charges require your express authorization and the disclosed billing schedule. Credit-repair-related charges are not collected in advance of full performance of the service being charged for. A completed initial review does not authorize payment for unperformed future work. Any materially changed price or recurring arrangement will be disclosed before it applies and consent obtained where required. Account suspension or a feature limit does not itself establish that a charge is lawful or earned.
Cancel through the methods in the Cancellation Policy. Refund rights are described in the Refund Policy and your signed agreement, subject to applicable law.
Features can be interrupted for maintenance, failures or security reasons; no uninterrupted-availability commitment or service-level agreement is made here. We may restrict misuse or unauthorized access, with notice where reasonably practicable. Cancellation stops future renewals; it does not erase statutory rights or automatically delete your records. Contact us to request copies or deletion under the Privacy Policy. We do not promise a self-service billing or export feature unless it is actually available in your account.
Third-party products have their own terms, charges and cancellation processes. Some links, including credit-building or monitoring products, are affiliate links for which CredX may receive compensation at no extra cost to you through the link. A recommendation is not a guarantee or bureau affiliation. Canceling CredX does not necessarily cancel a separately purchased third-party product.
The platform is provided "as is" and "as available" to the extent permitted by law. To that extent, CredX disclaims implied warranties and its total liability is limited to the amount you paid CredX in the twelve months preceding the event giving rise to the claim. These limitations do not apply to fraud, willful misconduct or rights, remedies and liabilities that cannot lawfully be limited, including applicable consumer-protection rights. No term excuses charging for services that have not been fully performed where the law prohibits that charge.
New York law governs, except where applicable law requires otherwise. Disputes are subject to binding arbitration in New York, with exceptions for small-claims matters and equitable relief, only to the extent enforceable under applicable law. Nothing here waives non-waivable consumer rights or remedies, including rights under CROA. No new waiver of rights is created by the software/support distinction.
We will post updated Terms and their date and provide notice of material changes where required. Changes are not retroactive amendments to an already signed service agreement or authorization for new charges. Additional assent will be requested where required by law. Keep copies of your order, signed agreement, disclosures and cancellation notice.
The Malloy Group Financial LLC d/b/a CredX
1392 Madison Avenue, New York, NY 10029
Email: contact@credxme.com
Phone: 866-CREDX-ME