Platform Identity
Storehouse Financial Intelligence Platform is a Financial Intelligence Platform. We are not a credit repair organization (CRO) as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679a(3), and we do not hold ourselves out as one.
Storehouse provides tools, technology, and information that empower consumers to understand and exercise their own rights under the Fair Credit Reporting Act. We automate a process you are legally entitled to do yourself for free. We do not promise to "repair" your credit, and we do not guarantee any specific change to your credit score.
Storehouse is a subscription-based software platform that provides:
- Credit monitoring and bureau-level tradeline tracking via Array's consumer-permissioned credit data API
- Automated generation of FCRA-compliant consumer dispute letters on your behalf, with your written authorization
- AI-powered financial analysis, recommendations, and STOREHOUSE Advisoring (with explicit opt-in consent)
- Funding eligibility scoring and lender matching
- Personal wealth tracking: assets, liabilities, net worth, and portfolio management
- Monthly Storehouse Statement — a PDF financial summary generated on the 1st of each month
CROA Mandatory Disclosure
Federal law requires that all organizations providing credit-related services provide consumers with the following notice before any contract is signed or payment is accepted. Storehouse provides this disclosure in full compliance with 15 U.S.C. § 1679c.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Source: 15 U.S.C. § 1679c — Credit Repair Organizations Act, Consumer Disclosures Required. This disclosure is provided for informational purposes. Storehouse is a Financial Intelligence Platform, not a credit repair organization.
Right to Cancel Within 3 Business Days
In accordance with 15 U.S.C. § 1679d, you have the absolute right to cancel your Storehouse subscription within 3 business days of signing up, for any reason or no reason at all, with no cancellation fee, no penalty, and no questions asked.
- Your cancellation is effective immediately upon written or electronic notice to us
- You will receive a full refund of any payment made within the 3-business-day window
- No services need to be completed or returned — your right to cancel is unconditional
- After 3 business days, you may still cancel at any time with no long-term obligation (see Section 8)
To cancel within the 3-business-day window, send written notice by any of these methods:
- Email: info@storehouse360.com — subject line "3-Day Cancellation Notice"
- Account Dashboard: Settings → Subscription → Cancel Subscription
- Written mail: Include your name, email address, and the statement "I wish to cancel my Storehouse subscription"
A "business day" means Monday through Friday, excluding federal public holidays. Your 3-day period begins on the date your account is activated, not the date of first payment.
No Advance Payment Policy
The Credit Repair Organizations Act (15 U.S.C. § 1679b(b)) prohibits any person or organization from charging or receiving any money or other valuable consideration for the performance of any service which the organization has agreed to perform before such service is fully performed.
Storehouse strictly complies with this prohibition. Our subscription fees (Basic $29.99/mo · Plus $59.99/mo · Pro $99.99/mo) are charged at the beginning of each billing cycle for the services already delivered in the prior cycle, or for immediate access to the platform's tools and technology during the current cycle. No money is collected as a deposit or advance retainer for future work that has not yet been performed.
- Free trial periods (if offered) provide full platform access with no payment required
- Your first charge occurs only after you have had the ability to use the platform
- Subscription renewals are charged at the start of each month for that month's continued access
- Dispute letter sending (if applicable) occurs only after you have reviewed and approved the letters
- We never charge setup fees, onboarding fees, or advance retainers
Services Provided
A Storehouse subscription includes access to the following features. Feature availability may vary by subscription tier. We reserve the right to add, modify, or remove features with 30 days advance notice to subscribers.
- Full tri-bureau credit report via Array (Equifax, TransUnion, Experian)
- Real-time FICO score monitoring and score history
- Per-bureau negative item tracking with dispute round progression
- Automated FCRA-compliant dispute letter generation
- Bureau response tracking and re-dispute scheduling
- AI-powered credit score analysis and improvement roadmap
- Personalized dispute letter content (opt-in required)
- AI chat interface for financial questions (opt-in required)
- Monthly AI-generated action steps in your Storehouse Statement
- Funding Score (0–100) based on 6 weighted financial factors
- Lender matching with compatibility percentages
- FICO-to-APR tier mapping and funding eligibility assessment
- Up to $400,000 in funding identified at Elite tier (80+ score)
- Net worth tracking across all asset classes
- Real estate, business equity, crypto, stocks, retirement accounts
- Portfolio allocation visualization and monthly change tracking
- Auto-generated PDF on the 1st of every month
- Score change, disputes won/pending, funding score, net worth delta
- 3 AI-generated personalized financial action steps
- Downloadable and shareable format
What We Can and Cannot Guarantee
Federal law prohibits any credit repair organization from making false or misleading representations about what it can accomplish. We take this seriously. Here is an honest, complete statement of what Storehouse can and cannot do.
- Pull your credit report through Array and display it in a clear, actionable dashboard
- Identify tradelines that may be inaccurate, unverifiable, or obsolete under FCRA
- Generate FCRA-compliant dispute letters addressed to the correct bureau and furnisher
- Track dispute responses round-by-round and automatically draft follow-up letters
- Calculate your Funding eligibility and match you to real lenders
- Provide AI-generated analysis and recommendations based on your actual data
- Generate a monthly professional PDF financial statement
- Help you understand and exercise your rights under the FCRA
- Guarantee removal of any specific item from your credit report
- Guarantee any specific increase to your FICO score or in any specific timeframe
- Remove accurate, current, and verifiable negative information from your report
- Advise you to make any false or misleading statement to a credit bureau
- Advise you to change your identity or misrepresent any information
- Guarantee lender approval or specific loan terms based on your funding score
- Provide legal advice — we are a technology platform, not a law firm
- Provide tax advice — consult a qualified CPA or tax professional
Your Obligations
By using Storehouse, you represent, warrant, and agree to the following:
- All personal information you provide (name, SSN, address, date of birth) is accurate and your own
- You will promptly notify us of any changes to your contact information
- You are at least 18 years old and legally able to enter into binding contracts
- You are the sole authorized user of your account and will not share your credentials
You agree NOT to:
- Use Storehouse to dispute items you know to be accurate and verifiable
- Provide false identifying information to circumvent a credit bureau security freeze or fraud alert
- Use the platform for any purpose that violates the FCRA, CROA, or any applicable law
- Attempt to reverse-engineer, scrape, or access our systems in any unauthorized manner
- Resell, sublicense, or otherwise transfer your account access to any third party
- Use AI-generated content from Storehouse in any fraudulent or misleading context
Billing & Subscription
- Subscriptions renew automatically on the same calendar date each month until cancelled
- You may cancel at any time from your account dashboard — your access continues through the end of the paid period
- No partial-month refunds are issued after the 3-business-day cancellation window has passed
- Failed payments result in a 7-day grace period before service suspension
- Prices may change with 30 days advance notice via email to your registered address
- All prices are in USD. Applicable taxes may be added based on your jurisdiction
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STOREHOUSE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR:
- Any indirect, incidental, special, consequential, or punitive damages
- Any loss of profits, revenue, data, goodwill, or business opportunity
- Any damages resulting from credit bureau decisions, dispute outcomes, or lender decisions
- Any damages resulting from third-party service outages (Supabase, Array, OpenAI, Lob)
- Any damages resulting from your reliance on AI-generated recommendations
- Any damages exceeding the total amount you paid to Storehouse in the 3 months preceding the claim
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages, so the above limitations may not apply to you. Storehouse's liability to you in any circumstance is limited to the greater of (a) the total amount paid by you to Storehouse in the 3 months preceding the event giving rise to liability, or (b) $100.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Dispute Resolution
We prefer to resolve disputes quickly and informally. Before initiating any formal legal proceeding, you agree to contact us at info@storehouse360.com and give us 30 days to resolve the issue.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state of Florida, without regard to its conflict of law provisions. Nothing in this section limits your rights under the FCRA or CROA, which are federal statutes that cannot be waived by contract.
To the extent permitted by law, you agree to resolve disputes on an individual basis and waive any right to participate in a class, collective, or representative action. This waiver does not apply to claims arising under the FCRA or CROA where class actions are expressly permitted by statute.
Contact & Legal Notices
For questions about these Terms, to exercise your cancellation right, or for any legal notices:
We reserve the right to update these Terms at any time. Material changes will be communicated by email to your registered address at least 30 days before taking effect. Your continued use of Storehouse after the effective date of any update constitutes your acceptance of the updated Terms. If you do not agree to an update, you may cancel your subscription before the effective date.
These Terms of Service were last reviewed and updated on April 21, 2026.