Platform Identity
Storehouse Financial Intelligence Platform is a Financial Intelligence Platform. We are not an organization regulated under 15 U.S.C. § 1679a(3) (CROA), 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 any specific change to your credit report, 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 our credit bureau partner's consumer-permissioned credit data API
- Dispute letter drafts you review and authorize before anything is sent
- automated 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 company or organization covered by CROA 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 any organization that violates 15 U.S.C. § 1679 (CROA). This law prohibits deceptive practices by the organizations it covers.
You have the right to cancel your contract with any organization covered by CROA 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 (CROA), Consumer Disclosures Required. This disclosure is provided for informational purposes. Storehouse is a Financial Intelligence Platform, not an organization regulated under CROA.
Consumer Reports, FCRA Rights & Data Security
1. Use of consumer reports. With your written authorization, Storehouse — together with our consumer-reporting partner our credit bureau partner (a licensed Consumer Reporting Agency) — accesses your consumer credit reports and scores from Equifax, TransUnion, and Experian. These reports are used only to monitor your credit, identify inaccurate, unverifiable, or obsolete items, generate FCRA-compliant dispute letters at your direction, and provide credit, funding, and educational insights. We never sell your consumer reports, and access is a soft inquiry that does not affect your score.
2. Your rights under the FCRA. Under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) you have the right to access your credit file (§ 609), dispute inaccurate or incomplete information (§ 611), obtain a bureau reinvestigation, have unverifiable information corrected or removed, receive one free report per year from each bureau, and seek damages for FCRA violations. A full explanation is in our Privacy Policy.
3. How to dispute information on your credit report. You may dispute any item directly with the credit bureau in writing, or use Storehouse to generate and track FCRA-compliant dispute letters that you review and send as your own. The bureau must reinvestigate within 30 days and modify or remove information it cannot verify. You review and approve every dispute letter before it is sent — nothing is submitted without your consent.
4. Security & retention of consumer information. Your data is encrypted in transit (256-bit SSL) and at rest, and stored in row-level-secured databases (Supabase) accessible only with proper authentication. Your SSN is never sent to our analysis provider. We retain consumer-report data only as long as needed to provide the service and meet legal obligations; you may request export or deletion at any time, and data is purged within 30 days of account closure. Full detail is in our Privacy Policy.
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
CROA (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.
A subscription fee is for access to the platform's tools. It is not a deposit or an advance retainer for dispute work. Plus ($59.99/mo) includes a 30-day trial when the email has not used one and there is no current subscription: a card is required, $0 is charged that day, and Plus can be used during those 30 days. The $59.99 charge happens when the 30 days end, unless the subscription is cancelled first. Cancelling ends it when the trial ends. Access continues until then, and that charge is not made. If the email is not eligible for the trial, Plus is charged at checkout for that month of access, and access begins when the payment succeeds. Elite ($99.99/mo) has no trial. The $99.99 is charged at checkout for that month of access, and access begins when the payment succeeds. Renewals are charged at the start of each paid billing period for that period's access.
- Plus trial, when the email is eligible: a card is required, $0 is charged today, and Plus can be used for 30 days. The $59.99 charge happens when those 30 days end unless the subscription is cancelled first. Cancelling ends it when the trial ends. Access continues until then, and the $59.99 is not charged
- If the email is not eligible for the trial, Plus ($59.99/mo) is charged at checkout for that month of access. Access begins when the payment succeeds
- Elite ($99.99/mo) has no trial. It is charged at checkout for that month of access. Access begins when the payment succeeds
- Subscription renewals are charged at the start of each paid billing period for that period's 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 our credit bureau partner (Equifax, TransUnion, Experian)
- Real-time credit 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
- automated credit score analysis and improvement roadmap
- Personalized dispute letter content (opt-in required)
- chat interface for financial questions (opt-in required)
- Monthly automated generated action steps in your Storehouse Statement
- Funding Score (0–100) based on 6 weighted financial factors
- Lender matching with compatibility percentages
- credit score-to-APR tier mapping and funding eligibility assessment
- A Funding Score match is not an offer. Lenders decide.
- 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 automatically generated personalized financial action steps
- Downloadable and shareable format
What We Can and Cannot Guarantee
Federal law (15 U.S.C. § 1679b) prohibits covered organizations 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 our credit bureau partner 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 automated 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 credit 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 automatically 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, our credit bureau partner, our analysis provider, Lob)
- Any damages resulting from your reliance on automated 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.