Last updated: September 25, 2026
VioVerse provides analytical review of consumer credit reports to identify potential reporting issues under the Fair Credit Reporting Act (FCRA) and related consumer protection laws. The service reviews a credit report PDF uploaded by the user and returns a structured summary of findings with confidence scores and legal context. If the user chooses to dispute a finding, VioVerse prepares a dispute letter for the user to sign and mail, records what the user reports having mailed, and lets the user record the bureau's reply.
This service provides analysis only. It does not constitute legal advice, financial advice, or a legal determination. Users should consult a licensed attorney for legal matters. Analysis output is informational and is not a substitute for independent professional review.
VioVerse does not file disputes with credit bureaus on behalf of users, does not contact creditors on behalf of users, does not remove items from credit reports, and does not guarantee any specific outcome regarding credit scores or report contents. Letters VioVerse prepares are reviewed, signed and mailed by the user, in the user's own name; VioVerse does not send them. VioVerse is an analysis tool; any action taken on the findings is the user's responsibility.
Full access to your findings is a one-time payment of $24.99 USD, tied to your account. It gives you twelve months of full access from the day you pay. Your account can hold up to twelve uploaded reports in total; hiding a report from your list does not free one of the twelve. There is no subscription and no automatic renewal. Without a payment, and after the twelve months end, your account and your reports remain in place and the detailed findings are locked. Payment is processed by Stripe. VioVerse does not store payment card information.
You can delete your account at any time from the Account page. Deleting ends your paid access and cannot be undone. It does not refund the payment, beyond what Section 5 allows for a request made within 7 days of purchase.
Refund requests will be considered on a case-by-case basis within 7 days of purchase. To request a refund, contact support from the email address you sign in with and include a brief explanation. Refunds are at VioVerse's discretion and are typically granted for technical errors that prevented the analysis from completing.
The service is provided "as is" and "as available" without warranties of any kind, express or implied. VioVerse is not liable for any outcome resulting from the use of the analysis, including but not limited to decisions made by credit bureaus, creditors, lenders, or courts. To the maximum extent permitted by law, VioVerse's total liability for any claim arising from the service is limited to the amount paid for the specific analysis at issue.
The VioVerse platform, software, analysis methodology, and all related content are owned by VioVerse. Users retain ownership of their uploaded credit report PDFs. By uploading a report, users grant VioVerse a limited license to store it, read it, display it back to them, produce findings from it, and prepare dispute letters from it at their request, for as long as it remains in their account.
These terms may be updated from time to time. Material changes will be reflected in the "Last updated" date at the top of this page.
Questions about these terms can be directed to david@vioverse.io.