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Legal & Compliance
Terms of service, compliance inquiries, XRPL service disclosures.
legal@kreditkarma.us📊
Credit Bureau Disputes
Dispute inaccurate information furnished to Equifax, TransUnion, or Experian.
disputes@kreditkarma.us🤝
Institutional Partnerships
Institutional access, API partnerships, grant program partnerships.
partners@kreditkarma.usHow does payment work?
All payments are made through the Xaman wallet on the XRP Ledger. After signing in Xaman with one swipe, our AI verifies your transaction on XRPL mainnet automatically — no TX hash copying required. Service activates within seconds.
What is LedgerScore?
LedgerScore is a real credit score (300–850) scanned live from your XRP Ledger wallet. It analyzes 8 signals: account age, transaction history, trust lines, DEX activity, AMM positions, escrow history, NFT holdings, and multi-signature setup. No SSN required.
How do I connect my Xaman wallet?
Tap "Connect Wallet" on the homepage → scan the QR code in Xaman → approve. No transaction is sent. No funds leave your wallet. Your wallet address is stored locally in your browser only.
My payment went through but service didn't activate — what do I do?
Email support@kreditkarma.us with your TX hash (found in Xaman transaction history). We'll manually verify and activate your service within 24 hours.
How do I cancel Credit Builder?
Email support@kreditkarma.us with subject "Cancel Credit Builder." Your subscription will be cancelled at end of the current billing cycle. Payments already made are non-refundable due to the irrevocable nature of XRPL transactions.
Is KreditKarma a bank?
No. KreditKarma.us is a financial technology platform on the XRP Ledger. We are not a bank, broker-dealer, investment advisor, insurer, or FDIC-insured institution.
I need emergency help — how do I apply for a grant?
Click "Apply for Grant" on the homepage. Fill out the form with your XRPL wallet address and describe your need. AI reviews within 24 hours. Approved funds go directly to your wallet — no bank account needed.