Clarifying Credzu’s role and what Credzu does — and does not — do

Last updated: December 5, 2025

1. Overview

Credzu is not a credit repair company.
We do not perform credit repair services, dispute credit items, negotiate with creditors, or guarantee credit improvement. This Disclaimer explains how Credzu differs from credit repair companies and why that distinction matters.

When you use Credzu, you are hiring an independent Service Provider, not Credzu itself, to perform credit repair work.

2. What Credit Repair Companies Do

Independent credit repair companies may:

• Review and analyze your credit reports
• Identify potential inaccuracies, errors, or outdated information
• Prepare and send dispute letters
• Contact credit bureaus or creditors
• Provide credit education or guidance
• Work with you to remove, correct, or modify items on your reports

Some credit repair companies in the market charge:

• monthly fees,
• up-front fees,
• flat fees, or
• “pay-per-deletion” fees.

Credzu prohibits these billing models inside the Platform.

3. What Credzu Does

Credzu is a technology and escrow platform, not a credit repair service.

Credzu provides:

• A secure place for Consumers and Service Providers to communicate
• A shared chat channel for Consumers, Service Providers, and Partners
• Tools to sign and store agreements
• Embedded tri-bureau credit reports for performance measurement
• A neutral escrow system using the $5.00 per point per bureau model
• Transparent and automatic score tracking
• Consumer protection through capped pricing
• A structured dispute process
• A compliant record of communications and financial transactions

Credzu’s role is to facilitate, not to perform or advise.

4. What Credzu Does NOT Do

Credzu does not:

• provide credit repair services
• interact with credit bureaus
• send dispute letters
• negotiate with creditors
• analyze your credit report for accuracy
• guarantee score improvements
• provide legal, financial, or credit advice
• influence how Service Providers perform their work
• pay or receive payment for credit repair services outside escrow
• participate in the credit repair strategy used by a Service Provider

All services are performed exclusively by independent Service Providers.

5. Why This Matters (Legal & Compliance)

Because Credzu is not a credit repair organization:

• Credzu is not subject to CROA’s operational requirements for providers
• Consumers are entering into a service relationship with the Service Provider, not Credzu
• The Service Provider is solely responsible for compliance with CROA, TSR, and state laws
• Credzu cannot and does not guarantee or endorse any Service Provider’s results

Credzu never asks for or accepts payment for credit repair work itself.
Credzu only facilitates escrow movement based on objective credit report data.

6. Consumer Responsibilities

As a Consumer, you agree that:

• You understand Credzu is not performing credit repair
• You will read your Engagement Agreement with the Service Provider carefully
• You will provide accurate information to your Service Provider
• You will not rely on Credzu for legal, financial, credit, or strategic advice
• You will review credit score results and raise disputes appropriately
• You will communicate directly with your Service Provider regarding services

Credzu’s job is to protect you through escrow, transparency, and structure—not to advise or influence the credit repair process.

7. Service Provider Responsibilities

Service Providers are:

• Independent businesses
• Responsible for their own compliance with CROA, TSR, and state law
• Responsible for their methods, strategies, and communications
• Required to use Credzu’s pricing model
• Forbidden from charging Consumers outside the Platform

Credzu does not:

• vet, train, or supervise Service Providers
• validate their dispute methods
• guarantee their performance
• certify the accuracy of their claims

8. Pricing Disclaimer

Credzu uses one pricing model for all Service Providers:

$5.00 per point per bureau, capped at $999 total per engagement

No other pricing structures are allowed.

This ensures:

• transparency
• predictability
• compliance
• consumer protection
• alignment with actual results

Consumers pay only when their scores actually improve, based on documented, third-party credit reports.

9. No Guarantees or Promises

Credzu makes no guarantees regarding:

• credit score changes
• timelines for improvement
• removal of specific items
• lender approvals
• future credit outcomes

Credit repair outcomes vary based on many factors outside Credzu’s control.

10. Contact Us

If you have questions about this Disclaimer, email us at:

Credzu, LLC
1980 N. Atlantic Avenue, Second Floor
Cocoa Beach, FL 32931
Email: info@credzu.com