Terms of Use

YOUR RIGHTS, OBLIGATIONS AND PRIVILEGES

This page contains our full User Agreement. You may wish to print this page for reference. This Agreement sets forth the terms and conditions for you to access the YourScoreAndMore.com Web site ("Site") and utilize text message-based services (“Text Messaging”). Your use of this site constitutes your agreement to these Terms of Use ("Terms"). Message and data rates may apply for Text Messaging.

You do not have to register with the Site to view benefits available through this Site but only registered users of the Fee Based Service can access the features and services that YourScoreAndMore.com currently offers. By becoming a registered user you agree to provide (i) true, accurate, current and complete information about yourself as prompted by the registration form, and (ii) maintain and properly update your account information to keep it true, accurate, current and complete. If you provide information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that you have, or you violate these Terms, as determined in our sole discretion, we have the right to suspend or terminate your Registration and refuse any and all current or future use of the Site and the Service (or any portion thereof).

FEE-BASED SERVICE CHARGES

Certain features of this Site are available only through the purchase of a site subscription ("Fee-Based Services").

If you choose to use the Fee-Based Service, you agree to pay, using a valid credit card, the monthly or annual subscription charges set forth on the Site and other charges incurred on your account in order to access the Fee-Based Services.

If your registration offered a free trial period, after the trial period, and every month thereafter until you cancel, the membership fee will be automatically billed to the credit card your provided and authorized at time of registration. The renewal charge will be the then current published rate for the term of your subscription. In the event YourScoreAndMore.com cannot charge your account, we reserve the right, in our sole discretion, to continue trying to bill your account or to terminate your access to the Fee- Based Services.

You may be subject to a pre-authorization at the time you order your Online Membership. THE PRE-AUTHORIZATION IS NOT A CHARGE TO YOUR CREDIT CARD, HOWEVER THE THEN APPLICABLE MONTHLY SUBSCRIPTION CHARGE MAY BE RESERVED AGAINST YOUR AVAILABLE CREDIT CARD LIMIT. FOR FURTHER DETAILS, CONTACT YOUR CREDIT CARD ISSUER.

PRICING INFORMATION

YourScoreAndMore.com offers several membership types including Trial Memberships, a Standard Membership and an Annual Membership. Each membership type and the respective cancellation policies are explained below:

7 day day Trial Membership: You will have full access to the service for 7 days for a nominal trial fee of $9.95. If you do not cancel the service during the trial period, you will be billed $29.94 exactly 7 days, on the hour, from the date and time you originally registered. YOUR ACCOUNT WILL THEREAFTER CONTINUE TO BE BILLED ON A MONTHLY BASIS UNTIL CANCELLED.

Standard Membership: You will be billed $29.94, immediately upon registration. There is NO trial with the Standard Membership. YOUR ACCOUNT WILL CONTINUE TO BE BILLED ON A MONTHLY BASIS UNTIL CANCELLED.

6-Month Membership: You will be billed $99.00 immediately after the 14 day trial period. Your account will renew automatically every six months on the same date and month (on July 8th in the above example), and YOUR ACCOUNT WILL CONTINUE TO BE BILLED EVERY SIX MONTHS UNTIL CANCELLED.

Annual Membership: You will be billed $179.00 immediately upon registration. You do not need to cancel your annual subscription, as you will only be billed one time. To continue your membership after the initial one-year term, you will need to re-register for a new account.

At its sole discretion, YourScoreAndMore.com may offer different subscription terms on its Site and the membership fees for such subscriptions may vary from time to time.Content on the Site, as well as various services, whether offered by YourScoreAndMore.com, third-party Service Providers or others, may require additional fees.

CHANGES TO PRICES AND TERMS AND DISCONTINUANCE OF SERVICE

We reserve the right to change prices or to institute new charges for the Services, or any portion thereof, at any time. Price changes and new charges will apply to subsequent subscription periods for current paid subscribers immediately on the effective date of the change and to all new Subscription Services users from such effective date forward.

We reserve the right at any time to modify, suspend, or discontinue the Service, or any part, version or feature thereof, in our sole discretion without prior notice to you. We will use reasonable efforts to notify you of any such material modifications to or suspensions or discontinuations of the Sites or the Services by posting a notice on the applicable Site. We may also, but are not required to, provide you notice by sending an email message to the current email address listed in your subscription. We will not be liable to you or any third party for any modification, suspension or discontinuation of the Service, or for any failure to notify you of same. If you have a paid subscription to the Services and we modify, suspend or discontinue the Services due to no action on your part, when applicable, we may provide a pro rata refund of advance payments made.

Your continued use of the Service, or your failure to terminate your subscription, after any such changes, modifications, or charge have been made, will constitute your acceptance of those changes, modifications, and charges.

HOW TO CANCEL YOUR ACCOUNT

You may terminate your enrollment in Subscription Services at any time by calling us toll free number at (888) 387-0890 from Monday-Friday, 6AM-6PM PST and Saturday-Sunday, 9AM-5PM PST. You may also cancel by clicking the Contact Uslink at the bottom of our homepage and submitting an email request to cancel. We do not provide prorated refunds.

IMPORTANT NOTICE - YOUR WRITTEN INSTRUCTIONS UNDER THE FAIR CREDIT REPORTING ACT


You understand that by accepting these Terms and Conditions you are providing “written instructions” to CSIdentity Corporation and its employees, agents, subsidiaries, affiliates, contractors, third party data and service providers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, including Experian, TransUnion, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each national credit reporting agency in order to verify your identity and to provide the services to you.  You agree and hereby authorize CSIdentity Corporation to provide your personally identifiable information (or, if applicable, information about any minor children you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time, in order to provide the services to you (and to those children you have enrolled).  You further authorize CSIdentity Corporation to obtain information and reports about you (or about any children you have enrolled, if applicable) in order to provide the services, including, but not limited to, credit monitoring services, credit reporting, identity monitoring, fraud resolution services, restoration services, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.

FCRA DISCLOSURES

The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:

  • You have been denied credit, insurance or employment in the past 60 days as a result of your report
  • You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
  • You are a recipient of public welfare assistance
  • You have reason to believe that your file at the agency contains inaccurate information due to fraud

The FCRA also permits consumers to dispute inaccurate information in their credit report without charge.

The FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies (Experian, Equifax, and TransUnion) once every 12 months through a central source. Georgia residents can receive two disclosures per year. Although comprehensive, the credit reports from each of the three national credit reporting companies that are available from YourScoreAndMore.com may not have the same information as a credit report obtained directly from the three national credit reporting companies or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com, or call 877-322-8228.

PERSONAL INFORMATION

By registering, you are authorizing YourScoreAndMore to (i) retain a copy of your credit score(s) and report(s) in its records along with other information you are submitting through YSAM's registration form (collectively with credit score(s) and report(s), "Registration Information"), and (ii) use such Registration Information (A) to the extent necessary to process your order and/or engage in business maintenance, (B) to match you with product and service offers from YSAM or its marketing partners, which offers shall be sent via email or through display of advertising on YourScoreAndMore.com, and (C) to use such Registration Information to provide statistical analysis and reports in aggregate with other users' Registration Information. YourScoreAndMore will not share your Registration Information with any third party including any of its marketing partners.

REVIEW AND ACCEPTANCE OF PRIVACY POLICY

By submitting your order, you acknowledge receipt of our Privacy Policy and agree to its terms.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

We offer access to your credit report, credit score and other credit information. We and our affiliates are not credit repair organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Service in order to do so.

GENERAL

These Terms constitute the entire understanding and agreement between you and YourScoreAndMore.com with respect to the Site and, if applicable, the Fee-Based Services and supersedes all prior agreements between you and YourScoreAndMore.com. Failure by YourScoreAndMore.com to enforce any provision of these Terms shall not be construed as a waiver of any provision or right. In the event that any portion of these Terms are held unenforceable, the unenforceable portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of the provisions shall remain in full force and effect.

If you do not wish to be bound by these Terms, you should not visit or use the Site. YourScoreAndMore.com reserves the right to change these Terms from time to time at its sole discretion, without prior notice.

TEXT MESSAGING HELP
To obtain help you may:
Text “HELP” to 76684 to obtain help on your mobile phone
Email us at: support[at]yourscoreandmore.com
Call us at: (888) 387-0890 M-F 6am-6pm Pacific Time


ACCESS TO TEXT MESSAGING
MESSAGE AND DATA RATES MAY APPLY. YOUR CARRIER’S TEXT MESSAGING RATES WILL APPLY TO ALL TEXT MESSAGE COMMUNICATIONS MADE IN CONNECTION WITH TEXT MESSAGING. ACCORDINGLY, ALL PRICING, BILLING, REFUND AND OTHER RELATED INQUIRIES AND SUPPORT MUST BE DIRECTED TO YOUR CARRIER’S CUSTOMER SUPPORT TEAM. The Wireless Carriers are not liable for delayed or undelivered messages.


FREQUENCY OF TEXT MESSAGING
Text Messaging delivers messages to your mobile phone, 14 msgs/week.

PROMOTIONAL OFFERS

From time to time, in YourScoreAndMore.com's sole discretion, YourScoreAndMore.com may offer a reduced membership fee, varying trial membership durations (if any) or different terms altogether, for a specified promotional period, to first-time or other selected customers. Terms of the promotional offer, including the promotional price and duration of the promotional price, may vary from time to time. Specific details of your offer not covered in these Terms will be explained on the web page where you indicate your acceptance of the promotional offer.

USER EMAIL OR TESTIMONIALS

If you are a customer and send an email to this Site, or if you communicate with the Site by phone or mail, we collect information about your communication and by communicating with the Site you give your permission to collect, archive, retrieve, and otherwise use any information collected as we see fit. Any communication which, in our sole discretion, the site we deem to be a testimonial, may be publicized for commercial purposes.

NO-COMMERCIAL USE

You agree to use the Site and Fee-Based Services only in a noncommercial manner. The YourScoreAndMore.com's services are intended for individual or private use only. Any other use is strictly prohibited.

COPYRIGHT AND TRADEMARKS

All materials on the Site, including without limitation text, images, software, databases, and Fee-Based Services (collectively, the "Content") are owned or controlled by YourScoreAndMore.com, its content suppliers and/or other content providers and is protected by the copyright and trademark laws of the United States and other countries, international conventions, and other applicable laws.

Except as otherwise permitted on the Site, you may not download, display, reproduce, create derivative works from, transmit, sell, distribute, or in any way exploit the Site or any portion thereof for any public or commercial use without the prior written permission of YourScoreAndMore.com.

You agree not to use any trademarks, service marks, names, logos, or other identifiers of YourScoreAndMore.com, licensors, independent contractors, providers and affiliates (collectively, "Affiliates") without the prior written permission of YourScoreAndMore.com or the relevant Affiliate.

WE WILL COOPERATE WITH LAW ENFORCEMENT AUTHORITIES AND THE COURTS

We have no obligation to monitor your use of the Service. You agree, however, that we retain the right to monitor your use of the Service, and to disclose any information as necessary or appropriate to satisfy any law, regulation or governmental request, to operate the Sites and the Services properly, to ensure your compliance with these Terms and Conditions, and to protect us, our affiliates, the Providers, and the general public.

We reserve the right, and you hereby authorize us, to cooperate with law enforcement authorities, including but not limited to complying with warrants, court orders and subpoenas. We also reserve the right, and you hereby authorize us, to comply with any civil court orders and subpoenas. In addition, if we decide to investigate or resolve possible misuse by you involving the Service, you authorize us to disclose to law enforcement or other government officials any information about you in our possession in connection with your use of the Sites or the Services.

We may take the actions described above without giving notice to you.

LINKS TO OTHER SITES

The Site may contain links to other sites on the Internet, which may be maintained by third parties. Such links do not constitute an endorsement by or association with YourScoreAndMore.com or its Affiliates of any third-party site or any materials contained therein. YourScoreAndMore.com and its Affiliates do not control, and are not responsible for, the availability, accuracy, privacy policy, or currency of such third-party sites or any information, content, products or services accessible from such third-party sites. You therefore are solely responsible for your visiting and relying on information provided on these third-party sites.

AGE RESTRICTIONS

You represent and warrant to YourScoreAndMore.com that you are at least eighteen (18) years old and that you possess the legal right and ability to enter into this Agreement and to use the Site (and Fee Based Service, if applicable) in accordance with this Agreement.

FINANCIAL RESPONSIBILITY

You agree not to assign, transfer or sublicense your rights as a subscriber to the Fee-Based Services. You agree to be financially responsible for all usage or activity on your Fee-Based Services account, including, without limitation, authorizing any other person or entity to utilize your account.

INDEMNIFICATION

You hereby agree to indemnify, defend and hold harmless YourScoreAndMore.com, and its Affiliates and each of their respective officers, directors and employees (Indemnified Parties), from and against any and all liability, loss, damage, expense and costs (including attorneys fees) incurred by or imposed on any of them YourScoreAndMore.com or the Affiliates in connection with any claim arising out of or in any way relating to any breach or alleged breach of any of your use of the Site or the Fee-Based Service or your violation of these Terms, applicable law or the rights of any third party obligations set forth herein. You shall cooperate as fully as reasonably required in the defense of any claim. YourScoreAndMore.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of YourScoreAndMore.com. In connection with the foregoing release, you hereby waive California Civil Code Section 1542 (and any similar provision in any other jurisdiction) which states: A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.

DISCLAIMER OF WARRANTY

EXCEPT AS EXPRESSLY SET FORTH HEREIN, THE SITE (INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, FEE- BASED SERVICES, MATERIALS AND INFORMATION MADE AVAILABLE THEREON OR ACCESSED BY MEANS THEREOF) ARE PROVIDED AS IS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, COMPATIBILITY, SECURITY, ACCURACY, OR NON-INFRINGEMENT. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, YourScoreAndMore.com AND THE AFFILIATES MAKE NO WARRANTIES AND SHALL NOT BE LIABLE FOR THE USE OF THE SITE UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE BY YourScoreAndMore.com. YourScoreAndMore.com DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR THE FEE-BASED SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE OR FEE-BASED SERVICES WILL MEET ANY PARTICULAR CRITERIA OF PERFORMANCE OR QUALITY, OR THAT THE SITE, INCLUDING FORUMS OR THE SERVER(S) ON WHICH THE SITE IS OPERATED, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY

USE OF THE SITE IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR DOWNLOADING AND/OR USE OF FILES, INFORMATION, COMMUNICATIONS, CONTENT, OR OTHER MATERIAL (INCLUDING WITHOUT LIMITATION SOFTWARE) ACCESSED THROUGH OR OBTAINED BY MEANS OF THE SITE. UNDER NO CIRCUMSTANCES SHALL YourScoreAndMore.com OR THE AFFILIATES, OR ANY PROVIDER OF TELECOMMUNICATIONS OR NETWORK SERVICES FOR YourScoreAndMore.com OR THE AFFILIATES, BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE INABILITY TO USE, THE SITE OR FEE-BASED SERVICES, EVEN IF YourScoreAndMore.com, THE AFFILIATES, OR THEIR PROVIDERS OF TELECOMMUNICATIONS OR NETWORK SERVICES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL LIABILITY OF YourScoreAndMore.com AND THE AFFILIATES HEREUNDER IS LIMITED TO THE AMOUNT, IF ANY, ACTUALLY PAID BY YOU FOR ACCESS AND USE OF THE FEE-BASED SERVICES. YOU HEREBY RELEASE YourScoreAndMore.com AND THE AFFILIATES FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THIS LIMITATION. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

MODIFICATIONS

(a) To these Terms.

YourScoreAndMore.com has the right to modify this Agreement and any policies affecting the Site in its sole discretion. Any modification is effective immediately upon posting to the Site or distribution via electronic mail or conventional mail. Your continued use of the Site following notice of any modification to this Agreement shall be conclusively deemed an acceptance of all such modification(s). Your only right with respect to any dissatisfaction with any modifications made pursuant to this provision, or any policies or practices of YourScoreAndMore.com in providing the Site, including without limitation (i) any change in the Content, or (ii) any change in the amount or type of fees associated with the Fee-Based Services, is to cancel your subscription.

(b) To the Site:

YourScoreAndMore.com has the right to modify, suspend or discontinue the Site or any portion thereof at any time and in its sole discretion, including the availability of any area of the Site, including without limitation the Fee-Based Services. YourScoreAndMore.com may also impose limits on certain features and services or restrict your access to parts or all of the YourScoreAndMore.com Site without notice or liability.

YOUR RIGHTS

YourScoreAndMore.com grants you a non-exclusive, non-transferable, limited right to access, use this Web site (the "Site") and the materials provided hereon, provided that you comply fully with these Terms. The contents of the Site are only for your personal, noncommercial use. You agree not to interrupt, or attempt to interrupt, the operation of the Site in any way.

GOVERNING LAW:

These Terms are governed by, and will be interpreted in accordance with, the laws of the State of California, without regard to any choice of law provisions.

MANDATORY ARBITRATION/CLASS ACTION WAIVER

You agree that, with the exception of injunctive relief sought by YourScoreAndMore.com for any violation of YourScoreAndMore.coms proprietary or other rights, any and all disputes relating to these Terms, Privacy Policy, or your use of the Site or the Fee-Based Service shall be resolved by binding individual arbitration in accordance with the then-current rules of the American Arbitration Association (the "AAA") before an independent arbitrator designated by the AAA. This arbitration obligation applies regardless of whether the claim or dispute involves a tort, fraud, misrepresentation, product liability, negligence, violation of a statute, or any other legal theory. The location of arbitration shall be Santa Barbara County, California, USA.

All arbitrations under these Terms shall be conducted on an individual (and not a class-wide) basis, and an arbitrator shall have no authority to award class-wide relief. You acknowledge and agree that these Terms specifically prohibit you from commencing arbitration proceedings as a representative of others or joining in any arbitration proceedings brought by any other person. You also acknowledge and agree that you are giving up your right to serve as a representative, as a private attorney general, or in any other representative capacity, and/or to participate as a member of a class of claimants in any lawsuit filed against us and/or related third parties.

Policy Regarding Children

We define children as individuals under the age of 16. The Site is not intended for the use of children and we do not intend to collect information about children through the Site. You must be at least 18 to access any three bureau products and services through this Site.

CREDIT REPORTING SERVICES AND DATA TRANSFER

RapidRentReporting specializes in the servicing of rental payment accounts and the provision of rental payment data and other transaction information to one, some, or all of national credit reporting agencies (CRAs) on behalf of renters/residents/tenants/landlords/property management companies and others. Due to the differing requirements for tradeline information by the various CRAs as well as the agreements between RapidRentReporting and the CRAs, RapidRentReporting may not be able to report your rental payment information to any specific CRA, nor do we guarantee that any specific CRA will receive your rental payment information.

RapidRentReporting CANNOT AND DOES NOT PROMISE OR GUARANTEE THAT YOU WILL OBTAIN ANY NEW CREDIT, SUCH AS A CREDIT CARD, AUTO LOAN, AUTO LEASE, MORTGAGE, STUDENT LOAN OR OTHER LOAN PROGRAM AS A RESULT OF RapidRentReporting SERVICES.

While we believe that you are more likely to obtain such credit if we are successful in adding rental payment information to your credit profile, the ultimate credit decision remains with the lender or credit grantor, and we cannot control nor do we aid in that process. Including rental payment data on your credit profile does not guarantee a higher credit score, since your credit score is dependent on numerous variables that are outside of the control of RapidRentReporting. RapidRentReporting encourages you to be responsible with your credit in order to maintain and increase your credit profile and credit worthiness. Responsible steps include:

  • Paying any and all bills on time
  • Not applying for more credit than you need, and not exceeding a healthy debt/income ratio.
  • Reporting your rent
  • Avoiding collections, bankruptcy, and debt consolidation if possible
  • Not co-signing on loans or lines of credit for others if doing so might put you at risk.

CREDIT REPORTING

RapidRentReporting will report your rental payment data upon your authorization, which consists of two steps. The first authorization occurs on your agreement to the terms and conditions set forth here when registering for the Service. The second voluntary authorization step utilizes a standalone third party e-signature application which collects your date of birth and your social security number as verification of your authorization for the reporting of your rental payment data.

RapidRentReporting DOES NOT REQUIRE SOCIAL SECURITY NUMBER AND DATE OF BIRTH TO PROVIDE THE RENT PAYMENT ONLINE SERVICE. YOU ACKNOWLEDGE THAT BY PROVIDING YOUR INFORMATION TO THE SITE YOU ARE AUTHORIZING