Terms of use

Last updated: 25 September 2026

These terms apply to your use of bestqualify.com (the “Site”), provided by Credit Technologies, Inc. (“Credit Technologies,” “we,” “us”). By using the Site, you agree to them. If you don’t agree, please don’t use the Site.

1. What BestQualify is

BestQualify is free educational information about mortgage credit.

  • Credit Technologies is a mortgage credit reporting agency.
  • We do not make loans, quote interest rates, or decide who qualifies for a loan.
  • Rates, terms and program eligibility are set by the lender you choose, and you may use any lender.
  • Nothing on the Site is an offer of credit, a loan approval, or legal, tax or financial advice.

2. Estimates and examples

The calculator, examples and figures on the Site are estimates built from published sources and stated assumptions. The sources and assumptions are listed on the Site’s Disclosures and sources page.

  • Estimates are not rate quotes and may differ from what a lender offers you.
  • Program rules, pricing and assistance programs change. We work to keep information current and show when it was last checked, but we can’t guarantee it is complete or up to date at any moment.

3. Credit education, not credit repair

The Site explains how credit reports and scores work in mortgage lending. It does not offer credit repair services, and it does not promise any change to your credit report or score.

  • A Score Express rescore is requested by a mortgage lender through its credit reporting arrangements, never by or for a consumer directly.
  • Rescore results described on the Site are past results. They do not predict what will happen with your file.

4. Your information

How we handle information is described in our Privacy Policy (bestqualify.com/privacy/). What you enter in the calculator or your plan stays in your browser.

5. Other sites and services

The Site links to other websites, including credittechnologies.com, government and program sources, and the BestQualify platform at setup.bestqualify.com. We aren’t responsible for their content or practices. The BestQualify platform, including loan officer pages and credit services ordered through it, is governed by its own terms.

6. Acceptable use

Please don’t:

  • misuse the Site;
  • try to disrupt it or access it without authorization;
  • scrape it in ways that burden it;
  • use it for anything unlawful.

7. Our content

The Site’s text, calculator, design and trademarks (including BestQualify and Score Express) belong to Credit Technologies or its licensors. You may read, print and share pages for personal, non-commercial use. Anything else needs our written permission.

8. No warranties

The Site is provided “as is” and “as available.” To the fullest extent the law allows, we disclaim all warranties, express or implied, including accuracy, fitness for a particular purpose and non-infringement.

9. Limitation of liability

To the fullest extent the law allows, Credit Technologies is not liable for any indirect, incidental or consequential damages, or for decisions you make based on the Site’s educational content or estimates.

10. Changes

We may update these terms. The date at the top shows the latest version. Continuing to use the Site after a change means you accept the updated terms.

11. Governing law

These terms are governed by the laws of the State of Michigan, without regard to conflict-of-law rules.

12. Contact

Credit Technologies, Inc.
51147 Pontiac Trail
Wixom, MI 48393

Questions about these terms: compliance@credittechnologies.com