Last updated: March 20, 2026 · Developer: Draugr Inc.
By downloading or using Credit Lift AI (“the App”), you agree to these Terms. If you do not agree, do not use the App.
Credit Lift AI is a free personal organizer that helps you import credit report text, flag items you may wish to dispute, and draft letters. The App runs primarily on your device. There is no paid subscription.
The App may show links to third-party credit-building products. Draugr Inc. may earn a commission if you apply through those links at no extra cost to you. We do not control third-party sites and are not responsible for their products, terms, or privacy practices.
See our Privacy Policy for how data is handled. In summary: your dispute data stays on your device unless you choose to send redacted excerpts to OpenAI.
THE APP IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT THE APP WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT DISPUTES WILL SUCCEED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DRAUGR INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE APP, INCLUDING CREDIT SCORE CHANGES, DENIED DISPUTES, OR MISSED DEADLINES.
We may update these Terms. Continued use after changes are posted constitutes acceptance. Material changes will be reflected in the “Last updated” date above.
These Terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-law rules.
Draugr Inc. · support@draugerinc.com
Last updated: July 15, 2026 · Draugr Inc.
This User Agreement is between you and Draugr Inc. for Credit Lift AI.
By using the App you agree to this Agreement, the Terms, and the Privacy Policy.
Credit Lift AI is a personal organizer and letter-drafting tool. It is not a credit repair organization, law firm, consumer reporting agency, or financial advisor. Drafts are for you to review before you send. Nothing in the App is legal, tax, or financial advice.
You control credit report text and dispute materials you import. Keep sensitive data secure. Do not upload other people’s private information without authority.
Optional AI features use keys or services you enable. Optional third-party product links may pay Draugr Inc. a commission if you choose them; you are never required to use them.
Provided “AS IS.” Company is not responsible for credit decisions by lenders or bureaus, or for outcomes of disputes you file.
support@draugerinc.com · Draugr Inc.