Credit Coaching Disclosures

Last updated: May 18, 2026

Upturn is designed to help users organize credit recovery tasks and understand general credit concepts. Please read these disclosures carefully.

Educational guidance only

Upturn provides general educational information and app-based organization tools. Recommendations are based on information you enter, such as due dates, balances, limits, payment logs, and statement close dates.

Not a credit bureau or lender

Upturn is not a credit bureau, credit reporting agency, lender, bank, debt settlement company, or law firm.

Not credit repair

Upturn does not claim to remove accurate negative information from credit reports, erase debts, or repair credit reports. If information on a credit report is inaccurate, users may have rights to dispute that information with the appropriate credit bureau or furnisher.

Verify with lenders

Due dates, minimum payments, balances, and account status should always be verified with the user’s lender, credit card issuer, or financial institution. Upturn’s guidance depends on the accuracy of information entered by the user.

No professional advice

Upturn is not a substitute for financial, legal, tax, or credit counseling advice from a qualified professional.

Beta caution

During beta testing, users should use sample account nicknames and avoid entering sensitive information that Upturn does not request, such as full card numbers, SSNs, bank credentials, or passwords for financial institutions.