Legal
Last updated: April 11, 2026
Please read these Terms of Use carefully before using Credit Lift's services. By accessing or using our website and services, you agree to be bound by these terms.
Credit Lift provides two products: a credit card application service and a credit-building subscription service. The credit card product is subject to approval and separate card terms. The Credit Build subscription is designed to help users establish or improve their credit history through reported payment activity. By using either service, you agree to these terms in full.
We do not guarantee specific credit score increases, credit card approval, or any financial outcomes. Credit improvement depends on many factors, including your existing credit profile and the accuracy of information provided. Results vary by individual. Approval for the credit card product is not guaranteed.
Users agree to provide accurate, truthful information during registration and throughout the duration of their subscription or application. You are responsible for making all required payments on time. Inaccurate information may result in account suspension or application denial.
The Credit Build subscription is billed at $1 per month for a 6-month period. Payments are processed automatically on your billing date. Failure to complete payments may impact the service and the payment activity reported to credit bureaus.
Submitting a credit card application may result in a hard inquiry on your credit report, which could temporarily affect your credit score. Credit limits, APR, and cashback rates are determined based on your individual creditworthiness and are subject to change. Full terms are provided at the time of approval.
Credit Lift is not responsible for any financial decisions or outcomes made based on the use of this service. We are not a bank, lender, or credit repair organization. This service is informational and supplementary in nature.
We reserve the right to suspend or terminate accounts at our discretion, including in cases of misuse, fraudulent activity, or the provision of false information. Users may also cancel their subscription at any time through their account settings.
We may update these terms from time to time. Continued use of the service after changes are posted constitutes your acceptance of the revised terms. We encourage you to review this page periodically.