Last updated: March 2026
Reclaim provides educational information and organizational tools to help users understand and exercise their rights under the Fair Credit Reporting Act (FCRA). We are not a law firm, credit repair organization under CROA, or licensed financial advisor.
We do not guarantee any specific improvement in your credit score. Credit repair outcomes depend on your individual situation, the accuracy of information provided, and decisions made by credit bureaus and creditors.
Reclaim is designed to help you dispute only legitimately disputable items — errors, outdated information, or unverifiable accounts. Do not use our tools to dispute accurate information.
Premium subscriptions are billed monthly. You may cancel at any time. Refunds are not provided for partial billing periods.
You are responsible for maintaining the security of your account and the accuracy of information you provide.
Reclaim is not liable for any outcomes related to your credit repair efforts, including decisions by credit bureaus, creditors, or lenders.
Questions? Email us at support@usereclaim.org