Terms of service & Disclosure Statement.

Terms of Use

Effective: July 2025

This Terms of Use Agreement governs your access to and use of the website operated by 2147M Equity LLC dba Scorify Credit (“Scorify Credit”, “we”, “us”, or “our”).

By using our Website or services, you agree to the terms below:

1. Services

Scorify Credit provides personal credit consulting services. These are not legal, tax, or debt consolidation services. By using our Website or services, you confirm that you are 18 years of age or older and legally authorized to enter into a contract.

2. Arbitration Clause

All claims and disputes shall be resolved by binding individual arbitration. You waive:

  • The right to jury trial

  • Participation in a class action lawsuit

  • Filing claims in any court of law

Scorify Credit will cover up to $300 in arbitration filing fees. The arbitration will be governed by the Federal Arbitration Act.

3. Your Account

You are responsible for maintaining the security of your client portal login. Any unauthorized use must be reported immediately.

4. Intellectual Property

All Website content, including text, graphics, and trademarks, is owned by or licensed to Scorify Credit. You may not reuse or redistribute without written consent.

5. Limitations

Scorify Credit is not liable for:

  • Inaccuracies or errors in data

  • Interruptions in service

  • Any damages arising from the use or inability to use the Website or services

6. Use Restrictions

You may not use the Website to:

  • Violate any law

  • Harm or harass others

  • Attempt unauthorized access

  • Use bots, scrapers, or any automation to extract data

7. Governing Law

This Agreement is governed by the laws of the State of New York, except the Arbitration Clause, which is governed by federal law.

Consumer Credit File Rights Under State and Federal Law

You have rights under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA):

  • You have the right to dispute inaccurate information directly with the credit bureaus.

  • You may request a free credit report if you’ve been denied credit, employment, or insurance in the past 60 days.

  • Accurate, verifiable information cannot be removed legally before its time limit (typically 7 years, 10 years for bankruptcies).

  • You may cancel your credit consulting contract with Scorify Credit within 3 business days of signing, without penalty.

For more information, contact:

Federal Trade Commission
Public Reference Branch
Washington, D.C. 20580
www.ftc.gov