Membership Terms | Infinite Credit AI

These terms apply when you create an Infinite Credit AI account. Infinite Credit AI is a product of Infinite Marketing. Our Terms of Use and Privacy Policy also apply.

What your membership includes

Your membership gives you access to the member dashboard, where you can:

Enter the accounts and scores from your credit reports, and see a summary based on what you entered.
Track disputes, and print dispute letters that you review, sign and send yourself.
Follow an action plan of suggested next steps, and add your own.
Store documents for your disputes.
Ask the AI assistant general questions about credit.
Download files we share with you.

We may improve, change or retire features over time.

What we don’t do

We’re not a credit bureau, and the platform isn’t connected to Equifax, Experian or TransUnion. It works only with the information you enter.
We don’t send disputes for you. The platform helps you prepare and track them, and you decide what to send.
We can’t promise any particular credit score or any change to your score. Accurate and timely negative information can’t legally be removed from a credit report.
We don’t give legal or financial advice. For advice on your situation, please talk with a qualified professional.

You can get your credit reports and dispute errors yourself, for free. See Your Credit Rights.

Your responsibilities

Use the platform for your own credit information.
Only dispute information you believe is inaccurate or incomplete, and never make false statements to a credit bureau or a lender.
Keep your password private, and tell us if you think someone else has used your account.
Don’t use the platform for anything unlawful, or to upload anyone else’s personal information.

Plans and prices

Plans are priced per month in U.S. dollars: Starter $19, Pro $39 and Agency $79. If we change a price, we’ll tell you before it applies to you.

How billing works

Nothing is charged in advance. When you add a payment method, your first monthly billing period starts. We save your card through our payment processor, Stripe. Saving it doesn’t charge you.
You’re charged at the end of each billing period, for that period. For example, a period that runs from March 5 to April 5 is charged on April 5.
There are no setup fees.
Your charges are listed on your Account page under Billing history.

If a payment fails

If your card is declined, your account shows the payment as past due and we’ll alert you. We’ll try the charge again after 3 days, up to 3 tries in total. When you add a new card, we try any overdue charge right away.

Changing plans

You can change your plan from your Account page. The new plan applies from your next billing period. The current period is charged at the plan it started with.

Canceling

You can cancel anytime from your Account page. There’s no long-term contract.
When you cancel, any completed billing periods are charged as usual. You’re then charged only for the days you used in the current period, in proportion to its length. If that comes to less than 50 cents, there’s no charge.
After canceling, you won’t be charged again unless you add a payment method to restart.
Closing your account also cancels your plan. It deletes your account, the information you entered and your documents.

The AI assistant

The assistant’s answers are written by AI. They can be wrong, and they’re general information, not advice.
Your questions and the conversation are sent to Anthropic, which provides the AI model, to write the answers.
A summary of the accounts, scores and disputes you entered is shared with the assistant only if you turn that on. Notes, dispute reasons and documents are never shared with it.
Please don’t type your Social Security number, account numbers or other private details. Questions that look like they contain a Social Security or card number aren’t sent.
You can ask up to 30 questions a day, and you can clear the conversation at any time.

Your information and documents

Documents you upload are encrypted, and only you can download them.
You can download a copy of the information you entered from your Account page.
When you close your account, we delete your account, the information you entered and your documents. We keep payment records, such as dates and amounts, for our accounts.

Our Privacy Policy explains more.

If we close an account

We may suspend or close an account that breaks these terms or is used unlawfully. Any charge is then only for the days already used.

Changes to these terms

We may update these terms. If a change affects you, we’ll tell you in your dashboard before it applies.

Contact

Questions about your membership can be sent through our contact page.