Terms of Service
Credit by Ben · Updated November 13, 2026
These terms explain use of this website and your consumer rights. They do not replace a separate written agreement for credit-repair services.
What we do
The site asks a few questions and points you to a next step: a call with Ben, his Skool community (education, billed by Skool) or free resources. Taking the quiz does not create a service agreement. Any done-for-you credit repair service must be set out in Ben's written agreement before he accepts a client.
You never pay in advance
Credit-repair fees must not be collected before the services are performed. The Skool is an educational community with its own monthly charge, billed by Skool. Credit monitoring is a separate product with its own provider charges and terms.
Your rights under federal law
You have the right to dispute anything on your credit report yourself, directly with the credit bureaus, for free. You have the right to a written contract before we perform services, and the right to cancel that contract without penalty or obligation within three business days of signing. Nonprofit credit counseling services are also available to you. These rights come from the federal Credit Repair Organizations Act, and the disclosure you sign before any done-for-you service describes them in full.
No guarantees
No one can promise a specific credit score, a specific point increase, or the removal of accurate information — and we don't. Accurate, verifiable items generally cannot be removed. What we commit to is the work: a real review of your report and properly prepared disputes of the items you attest are wrong. Individual results vary and are not typical of every client.
Credit monitoring
Credit monitoring is through MyFreeScoreNow, at its own price ($39.90 a month when this page was written), billed by MyFreeScoreNow. Its prices, renewal, cancellation and privacy terms apply. Ben may be compensated when you sign up through his link. A signup confirmation is not proof that Ben has access to the report.
What we need from you
Disputes are based on your attestation. Only tell us an item is inaccurate, unverifiable, or not yours if you believe that in good faith — we will not dispute items you confirm are accurate, and we will never advise you to make an untrue or misleading statement to a credit bureau or creditor.
The usual legal terms
The information on this website is not legal or financial advice and does not establish an attorney-client relationship. Any services you purchase are governed by the separate written agreement and applicable provider terms.
Contact
For questions, contact Ben through his Go Fund Yourself! Skool community or book a call. For cancellation of an existing service, follow the instructions in your signed agreement or the provider's terms.