Last updated: July 11, 2025
By accessing and using Credote (“we,” “us,” or “our”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
These Terms of Service (“Terms”) govern your use of our business credit reporting and invoice default filing services operated by Credote.
Credote operates as a business credit bureau platform that allows creditors to file reports of unpaid invoices and payment defaults. Our services include:
🔍 Platform Role
Credote operates as a neutral platform that displays information as provided by users. We do not independently verify the accuracy of individual invoice claims or payment disputes, but rely on our authentication processes, documentation requirements, and dispute resolution mechanisms to maintain data quality.
⚠️ Important Notice
All default, creditor, and debtor information filed through our service becomes part of the public record and will be visible to anyone searching our database.
When you file an overdue invoice report, the following information becomes publicly accessible:
This information is intended to help businesses make informed decisions about extending credit and conducting business relationships.
When you file an overdue invoice, we provide the debtor with a secure payment link through our platform. This allows for quick and easy resolution of outstanding debts.
We may charge debtors a convenience fee for processing payments through our platform. This fee helps cover the cost of providing secure payment processing and immediate credit report updates.
When payments are processed through our platform, we charge creditors a payment processing fee as detailed on our pricing page. By filing an overdue invoice through our service, you agree to these processing fees.
💡 No Direct Payment Fees
If the debtor pays you directly (outside our platform), no payment processing fees are charged by Credote.
All invoice, payment, and business information displayed on our platform is provided by users (creditors and debtors). Credote serves as a neutral platform that facilitates the sharing of this information but does not independently verify the accuracy of individual claims.
While we cannot verify every individual claim, we implement several measures to maintain data quality:
Credote Scores are calculated using our proprietary algorithm based solely on payment data available in our system. These scores:
⚠️ Important Disclaimer
Users should conduct their own due diligence and not rely solely on information displayed on our platform for business decisions. We encourage the use of multiple sources of information and professional advice when making significant business or financial decisions.
Credit report data filed through our service is intended to be permanent and will not be removed except in the following circumstances:
Payment of an outstanding debt will update the status to “Resolved” but the original default record will remain visible as part of the business's credit history.
We provide a dispute resolution process for businesses that believe information in their credit report is inaccurate. Disputes must be filed through our platform with supporting documentation.
We offer both standard (free) and urgent (paid) dispute processing options. Urgent disputes receive priority handling and faster resolution times.
Credote provides this service “as is” without warranties of any kind. We are not responsible for:
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated revision date. Continued use of our service after changes constitutes acceptance of the new Terms.
If you have questions about these Terms of Service, please contact us at:
Credote
Email: hi@credote.com