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AI-Powered Solutions

Terms and Conditions

Terms and Conditions last updated: April 18, 2024

© —All Rights Reserved

IMPORTANT DISCLOSURE: Credit Solutions.AI® is not affiliated with the annual free credit report program. Under federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies. Through our Terms and Conditions, you can request your free annual report by visiting

* – The Smart Credit Report® is a new credit and communications technology patented under USPTO 7,818,228. It is not a credit report as traditionally known or viewed. A National Credit Reporting Agency prepared it or obtained it as a file disclosure. It is entirely different, containing additional data, formatting, and print restrictions that are not similar to a credit report. The Smart Credit Report® is a communications medium for consumers and their creditors. Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 877-322-8228, the only authorized source under federal law for a free credit report.

Please thoroughly read this agreement.

By accessing this website and any of its pages, you agree to accept the terms and conditions outlined below. If you do not agree to the terms and conditions below, refrain from accessing this site or any pages thereof.

Intellectual Property Ownership

Credit Solutions.AI® and its licensors own the website and any feedback, ideas, improvement requests, recommendations, or other material submitted.

The Terms of Use do not grant you any website or Credit Solutions.AI® or its licensors’ intellectual property rights. Credit Solutions.AI®‘s name, logo, and the product names associated with the website and services offered therefrom are trademarks of Credit Solutions.AI®, its affiliated companies, or third-party licensors, and no right or license is granted to use them.

Use of Information and Materials

Furthermore, the material, resources, terms, conditions, and descriptions of these pages can be changed. Unauthorized access, as well as password abuse and data exploitation, are strictly prohibited on our websites and systems. Additionally, product and service availability may vary by area. We, or our affiliates, will determine your eligibility for products and services based on certain criteria.


Additionally, this website may connect to third-party sites. However, we are not responsible for the content, products, or services of third-party websites. Although we link to third-party websites, we do not endorse their services. However, we’re not liable for any product or service issues on those websites. Additionally, the third party may have a different privacy policy and, in comparison to ours, a less secure website.


This site provides text, graphics, links, and other materials in their current state, as they are available. Unfortunately, we do not offer a warranty for this information or materials. Additionally, we cannot be held responsible for any errors or omissions. We provide all information and materials without any warranty regarding non-infringement, title, merchantability, or fitness for a particular purpose.


We do not accept responsibility for any damages, losses, or expenditures that may result from this site or any connected site. This policy covers both direct and indirect damages, as well as special, incidental, or consequential damages. This includes a variety of issues, such as inability, performance issues, errors, omissions, interruptions, malfunctions, delays in operation or transmission, computer viruses, and line or system failures. Even if we or our representatives acknowledge the potential for such damages, losses, or expenses.


Any idea, concept, know-how, or method contributed via this site belongs to us and can be used for any purpose. We will not be obligated to maintain confidentiality regarding submitted information unless we agree to it, as the ones with the direct customer relationship, or as otherwise agreed or required by law. We do not interpret anything contained herein as limiting or reducing our responsibilities and obligations to customers in accordance with our Privacy Policy for Consumers.


This website is not intended for distribution or use in any jurisdiction or country that would violate local law or regulation. In countries where it is illegal to do so, we do not actively promote or encourage individuals to utilize the content, goods, or services provided by this website.


Other terms and conditions on this site may supplement these Terms of Use. The supplementary terms and conditions will govern those areas or pages in a disagreement. We, our website, and third-party service providers possess legal licenses and bonds.

Governing Law

This website’s use is subject to all federal and California laws. The defending party’s state and county will exclusively and only hear any action.

Modification of the Websites and Terms of Use

Credit Solutions.AI® has the exclusive authority to alter or substitute any of these Terms of Use. Additionally, Credit Solutions.AI® may modify, suspend, or terminate the website (including any feature, service, database, or content) at any time. Updates will be posted on the website or sent to your email address. Credit Solutions.AI® may impose limits on certain features and services or restrict access to parts or all of the website without notice or liability.

Full Service Plan and SmartCredit

When you sign up for the Full Service Plan, you will be charged an initial service fee and the first month’s membership fee for our partnership with SmartCredit®. We will use these funds to manually set up your account on SmartCredit® using the details you provide. Once your account is set up and we’ve completed the initial service, we will provide you with the login details for your SmartCredit® account. We advise you to change your password for your own security.

Following this, you will have access to your SmartCredit® account and its tools. If you choose to continue the monthly subscription to SmartCredit®, you will pay the monthly fee directly to Credit Solutions.AI® unless you choose to change the payment to be processed by our partner SmartCredit®. If you choose to cancel your SmartCredit® subscription, this will effectively cancel your Full Service Plan with Credit Solutions.AI®, and you will no longer have access to the tools necessary to provide the service.

We need your consent to handle your personal information in this way. By signing up for the Full Service Plan, you consent to us using your information to set up your SmartCredit® account. We respect your privacy and will always handle your information securely and in accordance with our Privacy Policy.

All credit card processing for the Full Service Plan and SmartCredit® membership fees will be handled securely. If you have any questions or concerns about this process, please contact us.

Hyperlinking To Our Content

The following organizations may link to our website without prior written approval:

  • Government agencies;
  • Search engines;
  • News organizations;

Online directory distributors may link to our website in the same manner as they hyperlink to the websites of other listed businesses.

System-wide accredited businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups, which may not hyperlink to our website.

These organizations can link to our home page, publications, or other website information, provided that the link is not deceptive. Additionally, the link should not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services. Moreover, the link should fit within the context of the linking party’s site.

We May Consider And Approve Other Link Requests From The Following Types Of Organizations:

  • Commonly-known consumer and/or business information sources;
  • community sites;
  • Associations or other groups representing charities;
  • Online directory distributors;
  • Internet portals;
  • Accounting, law, and consulting firms; and
  • Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) there is a benefit to us from the visibility of the hyperlink compensating for the absence of Credit Solutions.AI®; and (d) the link is in the context of general resource information.

These organizations may link to our home page as long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site. Additionally, it is important to note that these conditions must be met in order for the link to be acceptable.

If you are one of the organizations mentioned in the second paragraph and wish to establish a link to our website, please notify us by sending an email to Please include your name, your organization name, and contact information. Additionally, include the URL of your site and a list of any URLs from which you intend to link to our website. Also include a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved Organizations May Hyperlink To Our Website As Follows:
  • By use of our corporate name; or
  • By use of the uniform resource locator being linked to; or
  • Using any other description of our website being linked to makes sense within the context and format of the content on the linking party’s site.
  • No use of Credit Solutions.AI®‘s logo or other artwork will be allowed for linking without a trademark license agreement.
Content Liability

Please note, however, that our company cannot be held liable for any content displayed on your website. By agreeing to protect and defend us against all claims raised on your website, you not only demonstrate your commitment to safeguarding our interests, but you also show your dedication to ensuring our peace of mind. It is important to ensure that, in addition to this, no links on any website can be perceived as defamatory, offensive, or illegal. Moreover, they should not violate or promote the violation of any third-party rights.

Reservation of Rights

Furthermore, we have the right to request the removal of any links, including specific links, to our website. Additionally, you agree to promptly remove any links to our website upon request. Furthermore, we reserve the right to amend our terms and conditions and linking policy at any time. By agreeing to and following these linking terms and conditions, you are acknowledging that, in addition, you will continuously link to our website.

Removal Of Links From Our Website

If you happen to come across any offensive links on our website, please don’t hesitate to contact us at any time in order to report them. While we will review requests for link removal, please note that we are not obligated to comply or provide a direct response.

In addition, all information presented on this website is subject to our disclaimer of any and all warranties. Furthermore, in addition to not promising that the website will be available at all times or that the content will be up-to-date, we also do not promise that the information is accurate or comprehensive.


We disclaim all representations, warranties, and conditions relating to our website and the use of this website to the fullest extent permissible by applicable law. Nothing in this disclaimer will:

  • Limit or exclude our or your liability for death or personal injury;
  • Exclude our or your liability for fraud or fraudulent misrepresentation;
  • Limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • Exclude any of our or your liabilities that may not be excluded under applicable law.

If, however, you break this disclaimer, you will only be responsible for the things that are said in this section and elsewhere. Furthermore, these rules apply to all liabilities that arise due to this disclaimer, regardless of whether they are in contract, tort, or for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

If you have any questions regarding these terms and conditions, please contact

Phone: (888) 300-6155


Address: 2829 Youree Drive, Ste. 1, PMB 1065 Shreveport, Louisiana 71104