Terms of Service
Last updated: June 2026
1. Overview
Jubilee is an AI-powered credit repair tool that helps consumers generate dispute letters, negotiation scripts, call scripts, and payoff plans based on their uploaded credit reports. Jubilee is a product of J. Andrews Holdings LLC.
Jubilee is not a law firm, credit counseling agency, or credit repair organization as defined under federal law. Results are not guaranteed. Your individual results will depend on your unique credit history, the accuracy of information on your report, and the actions you take.
2. Credit Repair Organizations Act (CROA) Required Disclosure
As required by the Credit Repair Organizations Act (15 U.S.C. § 1679):
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The result of your dispute may not be as favorable as if we assisted you. You may review your credit report for free at AnnualCreditReport.com. Jubilee cannot promise that your credit rating will improve. The time it takes to improve your credit rating is not guaranteed, and may depend on your individual circumstances.
3. Right to Cancel
Jubilee's services are provided free of charge, so there is no purchase, fee, or contract to cancel. You can stop using Jubilee at any time. If Jubilee introduces paid services in the future, any cancellation and refund rights required under the Credit Repair Organizations Act will be presented to you before you are charged.
4. What Jubilee Does
Jubilee provides:
- AI-generated dispute letters personalized to your credit report
- Pay-for-delete negotiation letter templates
- Word-for-word creditor call scripts for rate reductions and hardship programs
- A personalized debt payoff plan based on your account balances
- Ongoing credit coaching tools including goodwill letter generation and score-building guidance
You are responsible for printing, signing, and mailing all dispute letters yourself via certified mail. Jubilee provides the letters — you send them.
5. What Jubilee Does NOT Do
- We are not a law firm and do not provide legal advice
- We do not contact credit bureaus or creditors on your behalf
- We do not guarantee the removal of any item from your credit report
- We do not guarantee any specific credit score improvement
- We do not act as your representative or agent in any dispute process
6. Pricing
Jubilee's core services — credit report analysis, AI-generated dispute letters, negotiation and call scripts, your personalized payoff plan, and Credit Coach — are provided free of charge. No subscription is required to use Jubilee.
Jubilee may offer optional paid convenience services in the future (for example, mailing your dispute letters for you). Any such service will be clearly described and priced before you choose to use it, and there is no automatic enrollment in any paid service.
7. Refund Policy
Jubilee's core services are free, so there are no charges and nothing to refund. If Jubilee offers optional paid services in the future, the applicable refund and cancellation terms will be presented at the point of purchase.
8. Disclaimer
Not legal advice. All content provided by Jubilee is for informational purposes only and does not constitute legal advice. Jubilee is not a credit repair law firm and is not a substitute for advice from a licensed attorney. If you need legal advice regarding your credit situation, consult a qualified attorney in your jurisdiction.
9. Governing Law
These terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
10. Contact
For questions about these terms or any other inquiries: