CREDIT REPORTING ADDENDUM TO MOSSGOD TERMS OF SERVICE
Last Updated: 19 Dec 2025
This Credit Reporting Addendum ("Addendum") supplements the MOSSGOD Wellness Membership Terms of Service ("Primary Terms") and governs your rights and responsibilities concerning the potential reporting of your membership payment history to consumer reporting agencies ("Credit Bureaus").
ARTICLE 1: CONSUMER AUTHORIZATION & ACKNOWLEDGMENT
1.1. Express Consent. By agreeing to this Addendum, you expressly authorize MOSSGOD to:
* Collect and use your personal information, including your payment history, for the purpose of reporting to Credit Bureaus.
* Disclose your payment performance, account status, and other relevant information to Credit Bureaus that accept such data.
* Continue reporting any outstanding balances or delinquencies to Credit Bureaus or collection agencies in connection with debt recovery, if applicable.
1.2. Nature of Reporting. You acknowledge and understand that:
* Payment reporting may affect your credit score, positively or negatively, based on your payment behavior (e.g., on-time, late, or missed payments).
* Reporting is a privilege extended at the Company’s sole discretion and is contingent upon our establishment of formal data furnishing agreements with Credit Bureaus.
* We do not control Credit Bureaus, their scoring models, or how lenders use reported information.
ARTICLE 2: COMPANY RESPONSIBILITIES & COMPLIANCE
2.1. FCRA Compliance. Should we report data, we will act as a “data furnisher” under the Fair Credit Reporting Act (FCRA). Our responsibilities include:
* Accuracy & Integrity: Taking reasonable steps to ensure the information we report about your account is complete and accurate.
* Dispute Investigation: Conducting a reasonable investigation if you dispute the accuracy of any information we have reported to a Credit Bureau.
* Correcting Errors: Promptly correcting, deleting, or updating inaccurate, incomplete, or unverifiable information we have furnished.
2.2. Technical & Operational Standards. Reporting requires adherence to strict industry standards, including:
* Metro 2® Format: Reporting data in the standardized Metro 2® electronic format as defined by the Consumer Data Industry Association (CDIA).
* Credentialing: Successfully completing each Credit Bureau’s business verification and credentialing process, which includes providing proof of business legitimacy and may involve an on-site inspection.
* Reporting Software: Utilizing approved software capable of generating compliant Metro 2® format files.
ARTICLE 3: YOUR RIGHTS & HOW TO EXERCISE THEM
3.1. Right to Information. You have the right to know what information is being reported about you. You may obtain a free copy of your credit report annually from each nationwide Credit Bureau at www.annualcreditreport.com.
3.2. Right to Dispute.
* If you believe information on your credit report from a Credit Bureau is inaccurate, you may dispute it directly with that Credit Bureau.
* You also have the right to dispute inaccurate information directly with us. All disputes must be submitted in writing to our designated dispute address (provided in Article 5). Your dispute must include sufficient detail for us to investigate.
3.3. No Guarantee of Outcome. You understand and agree that MOSSGOD makes no promises, guarantees, or representations regarding the impact, if any, of payment reporting on your credit score or your ability to obtain credit. Credit scoring is determined by third parties using proprietary models.
ARTICLE 4: LIMITATIONS & MODIFICATIONS
4.1. Program Availability. We reserve the right to:
* Begin, suspend, or terminate payment reporting at any time, for any reason, and without prior notice.
* Determine member eligibility for reporting based on criteria we establish.
* Select which Credit Bureaus, if any, to report to.
4.2. Changes to Addendum. We may modify this Addendum at any time. Material changes that affect your rights will be communicated as required by law. Your continued use of the Service after such changes constitutes acceptance.
ARTICLE 5: CONTACT FOR DISPUTES & INQUIRIES
For all inquiries or disputes specifically related to credit reporting under this Addendum, you must contact us in writing at:
MOSSGOD | Credit Reporting Compliance
MOSSGOD
78 John Miller Way, Kearny, NJ 07032
Email: info@mossgod
BY CONTINUING TO USE THE MOSSGOD SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THE TERMS OF THIS CREDIT REPORTING ADDENDUM.