Terms of Service

Credit Command · Last updated October 13, 2026

These terms are the agreement between you and Credit Command when you use this website. Using the site means you accept them.

Who we are

Credit Command is operated by Adapt Target Marketing LLC, an Illinois limited liability company ("we", "us"). You can reach us at [email protected].

What Credit Command is

Credit Command is a do-it-yourself software and educational platform. It generates dispute letters and guidance that you review and send yourself, and helps you organise your own credit-building plan.

What Credit Command is not

• We are not a law firm and we do not provide legal advice or legal representation.
• We are not a credit repair organization performing services on your behalf. Credit Command does not contact credit bureaus, creditors, or collectors for you, and does not send disputes in your name.
• We are not a credit-counseling agency, and nothing on this site is legal, financial, or tax advice. The educational content is general information only.

Know your rights

You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus and furnishers directly — you may do this yourself, directly and for free. No one can lawfully remove accurate, current, and timely information from a credit report. We do not advise you to make, and you should never make, untrue or misleading statements to any credit bureau or furnisher.

No guarantee of results

Results vary and are not guaranteed. Outcomes depend on the specific contents of your credit file. Any point figures, statistics, and testimonials shown on the site are illustrative examples and do not represent actual clients or a promise of results.

Membership and pricing

Paid plans are a software membership billed monthly for access to the platform, with no long-term contract; you may cancel at any time. The Free Look tier is $0 and never requires a card. The price that applies is the one published on the site when you sign up.

Utilization Guardian

Utilization Guardian is an informational reminder tool. Reminders are based only on the dates you enter; you make your own payments. It is not financial advice and not a guarantee of any credit-score outcome.

Text messages and calls

Texts and calls are optional. By ticking the texts box on one of our forms you agree to receive recurring automated text messages from Credit Command (a brand of Adapt Target Marketing LLC) at the number you provide; by ticking the calls box you agree to receive calls at that number, including automated or AI voice calls and voicemails. Consent is not a condition of any purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time; reply HELP for help or email [email protected]. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle your information.

Using this site

Give us accurate information. Do not scrape or attack this site, misuse its forms, or use our name, logo, text, images, video, or design for commercial purposes without written permission.

Limits on our liability

This site and its content are provided "as is". To the fullest extent the law allows, our total liability to you for any claim connected to this site or what we sell through it is limited to the amount you actually paid us for the item or service in question, and we are not liable for indirect or consequential losses. Nothing here limits liability that cannot be limited by law. Some states do not allow certain exclusions, so parts of this may not apply to you.

Disputes

These terms are governed by the laws of the State of Illinois. Talk to us first — email [email protected] and we will genuinely try to sort it out. If we cannot, disputes are handled by the state or federal courts located in Cook County, Illinois.

Changes to these terms

We may update these terms. We will update the date at the top when we change anything.

Contact

Credit Command · Adapt Target Marketing LLC · [email protected]