1. Past payments may not be eligible for reporting. Only verified rent and utility payments can be submitted to participating credit bureaus.

2. Reporting does not guarantee an increased credit score. Impact varies based on credit history and lender criteria.  

3. MyCreditScoreIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. MyCreditScoreIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.

4. Additional terms and conditions may apply.