These Terms of Service (the “Agreement”) govern the use of the website and Services (as defined herein) provided by Rock The Score LLC. By accessing our website and Services, you hereby accept and agree to be bound by this Agreement (as may be amended from time to time). If you do not agree and consent to this Agreement, please do not use or access our website or our services. Please read this entire Agreement.
Rock The Score LLC may amend and/or revise this Agreement from time to time, in our sole discretion, by sending you written notice by electronic mail, by regular mail or by posting the updated terms on our website. Such modifications will become effective at the date or time provided in such notice but in no event earlier than twenty-four (24) hours following the earlier of receipt by you or the posting on our website at www.rockthescore.com. Should you find this Agreement unacceptable to you at any time, please discontinue your use of the Services. Your use of the Services after we have made such changes available will be considered your consent and agreement to the change. We also may, from time to time, introduce new features to the Services or modify or delete existing features at our sole discretion. We shall notify you of any of these changes to features if we are legally bound to do so. By using any new or modified features when they become available, you agree to be bound by the rules concerning those features.
General Service Provider
Rock The Score LLC provides services relevant to renters, roommates, landlords, property managers, and others, which may include additional services such as credit reporting and credit-related products.
To be eligible to use our Services, you must be an individual at least 18 years of age that is able to form legally binding contracts under applicable law and a resident of the United States and Puerto Rico with a postal mailing address in the United States or Puerto Rico.
To help the government fight terrorism and money laundering activities, we obtain, verify and sometimes store personal information. You authorize Rock The Score LLC, directly and through third parties, to make any inquiries we consider necessary to verify your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial account and verifying your information against third party databases or through other sources. If we cannot verify your information to the extent we deem necessary, we may not be able to allow you to use our Services and you may be eligible for a full refund.
Credit Reporting Services
Rock The Score LLC will report rental payments made by you to a credit reporting agency (a “CRA”), or a third party that reports such rental payments to a CRA which in part is designed to assist parties in establishing a credit history and/or a credit score. Once payments have been reported by Rock The Score LLC to a CRA or third party, the reporting of those payments cannot be modified, amended or canceled.
Rent reporting is reported as a FICO-9 and Vantage Score and may not appear on other FICO® versions.
Rental Payment History
Rock The Score LLC may need to verify the existence of a valid written lease, including verifying that the Member is listed as a lessee. Additionally, Rock The Score LLC will need to verify certain lease details with the landlord, i.e. the lease payment amounts due and due dates. If Rock The Score LLC is unable to verify any and all necessary information for reporting, Rock The Score LLC may not necessarily contact the Member and will not be able to report the Member’s payments to any CRA or third party agency. Notwithstanding the above, any party may dispute any entry on a credit report provided by Rock The Score LLC to a CRA. See Rock The Score’s Credit Reporting Dispute Resolution Policy, which is incorporated herein and made a part hereof.
Rock The Score LLC is not a rental verification payment platform and must independently verify the Member’s rental payments with the Landlord or Vendor each month to verify that the Member is maintaining their payment agreement and making all applicable payments. As such Rock The Score LLC charges a monthly verification fee for ongoing payments. If a Member wishes to verify past rent or utility payments there’s also a verification fee for past payments that are verified. Additionally there is a one-time enrollment fee to authenticate your account and register as a subscriber with Rock The Score LLC.
In connection with your use of our website and our Services, or in the course of your interactions with Rock The Score LLC or a third party through Rock The Score LLC you agree that you will not: Activate multiple registrations without prior consent by Rock The Score LLC, whether such registration was completed fraudulently, falsely or unlawfully, or by legitimate and lawful means such as the use of alternate but valid names, different contact information, separate bank-account numbers and other pertinent data Undertake any fraud, intentional or negligent misrepresentation or any unlawful act relating to the use of Rock The Score’s website or Services or otherwise provide false, accurate or misleading information or otherwise participate in a fraudulent transaction, including, without limitation, providing payment source information that you have not been authorized to provide or use.
Breach this Agreement or any other agreement that you have entered into with Rock The Score LLC (including any policy to which you become subject) Violate any law, statute, ordinance or regulation in connection with your use of the Services or access of our website Infringe Rock The Score LLC or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights or rights of publicity or privacy. Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us Interfere with or damage our Services, including, without limitation, through the use of any viruses, Trojan horses, worms, cancel bots, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information or other computer programming routines, methods or technology that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information Notices to You.
You agree that Rock The Score LLC may provide notice to you by posting it on our website, emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three (3) Business Days after it is sent. You also consent to allow Rock The Score LLC to respond to any inquiries by e-mail regardless of the format of the original inquiry. You may request a paper copy of any legally required disclosures, and you may terminate your consent to receive required disclosures through electronic communications by contacting Rock The Score LLC.
Rock The Score LLC reserves the right to close your account if you withdraw your consent to receive electronic communications. You further agree to the Electronic Signature and Uniform Electronic Transactions Act Disclosure and Consent Agreement provided herein, which is incorporated herein. Notices to Rock The Score LLC. Except as otherwise expressly stated herein, notice to Rock The Score LLC must be sent by postal mail to: Rock The Score LLC, 3770 S Lindbergh Blvd, Suite 101, St. Louis, MO 63127.
Termination by Rock The Score LLC
We, at our sole discretion, reserve the right to terminate this Agreement, access to our website or access to the Services or cancel your usage for any reason and at any time upon notice to you. If we close your account, terminate your use of our Services or cancel your ability to access the Services for any reason, we will provide you with notice of our actions. If we limit access to your account, we will provide you with notice of our actions and the opportunity to request restoration of access, if appropriate. An individual whose account is terminated or Services cancelled may be denied further access to the secure portion of our website and future use and enjoyment of the Services. Members will remain liable for all outstanding obligations to Rock The Score LLC under this Agreement even after any such termination.
Dispute of Credit Reporting Information by Client Notice of Dispute
A Member may dispute an entry on their credit report derived from information provided by Rock The Score LLC to a CRA by notifying Rock The Score LLC either by mail or email firstname.lastname@example.org or by other means available to the Member. The Member shall provide the following information as part of any dispute of information provided by Rock The Score LLC.
The investigation shall include, but is not limited to, all relevant information provided by the Member. The determination shall be one of the following options:
- The dispute is irrelevant and the information originally provided is accurate;
- The disputed information is inaccurate; or more information is necessary to make a final determination regarding the disputed information.
- Notification of Determination. Once a final determination has been made regarding the disputed information, Rock The Score LLC will notify the Member within five (5) Business Days of the determination regarding the disputed information. If Rock The Score LLC determines that the dispute is frivolous or irrelevant, Rock The Score LLC shall notify the Member by mail or, if authorized by the consumer for that purpose, by other means available to Rock The Score LLC. Said notice shall include: The reasons for the determination; and Identification of any information required to investigate the disputed information. If Rock The Score LLC determines that the disputed information is inaccurate, Rock The Score LLC shall notify the Member by mail or, if authorized by the consumer for that purpose, by other means available to Rock The Score LLC within five (5) Business Days of the determination and will promptly notify all credit reporting agencies (“CRA”) or third parties to which Rock The Score LLC provided said information and request that they delete or modify the information as appropriate.
If Rock The Score LLC determines that more information is necessary to complete its investigation, Rock The Score LLC will notify the Member and request additional information to help make a final determination as to the disputed information.