1. What My HOD+ includes
- Enhanced, real-time monitoring of your own HOD Score and file activity;
- Detailed evidence and review history for your own score;
- Real-time alerts when your score changes or new activity lands on your file;
- Priority access to dispute and correction workflows for your own file.
My HOD+ is a personal, self-only plan. It does not include the ability to run reports on other people or businesses. Viewing or running reports on others requires HOD Run+ (individuals, personal non-FCRA purposes) or HOD Pro+ (businesses, FCRA-certified purposes).
2. Free trial and conversion
New My HOD+ subscriptions begin with a 30-day free trial. Unless you cancel before the trial ends, your subscription converts automatically to the paid plan you selected and your payment method is charged at the then-current rate published on the pricing page. Trial eligibility is limited to one trial per person.
3. Billing, renewal, and cancellation
- Subscriptions are billed in advance on a monthly or annual cycle, at the rates published on the pricing page at the time of purchase or renewal.
- Subscriptions renew automatically until cancelled.
- You may cancel at any time in account settings or through the Stripe customer portal. Cancellation takes effect at the end of the current paid term; no partial-term refunds are provided except where required by law.
- Failed payments may result in suspension of paid features until payment is completed.
- Price changes apply only at renewal, with advance notice to the email address on your account.
4. Scope and limits
- My HOD+ benefits are personal to you, non-transferable, and tied to your verified identity.
- Monitoring features describe your own file only; they are not an identity-theft insurance product and do not guarantee prevention of fraud or adverse decisions by third parties.
- Hub or Dub may add, modify, or retire features on reasonable notice, provided the core monitoring benefit continues for the paid term.
5. Consumer rights preserved
Core consumer rights — file disclosure, disputes, corrections, and reinvestigation under the FCRA and state law — are always free and are never conditioned on a paid subscription. Cancelling My HOD+ never affects your HOD Score, your file, or your free account.
Contact, consumer requests, and disputes
Hub or Dub Inc. is a U.S. consumer reporting agency operating in all 50 states and U.S. territories. Hub or Dub Inc. is a privately owned and operated corporation, wholly owned and operated by HOD Solutions Inc., a subsidiary of Stutson Global Inc. Hub or Dub operates independently as a private-sector organization and is not a government agency, government-sponsored entity, law-enforcement agency, or governmental representative. Hub or Dub is an exclusively online, remote, and virtual service, operating across the United States and all U.S. territories with no public-facing offices or service locations. Hub or Dub Inc. is an independent private company and has no direct partnership, affiliation, endorsement, sponsorship, agency relationship, contractual relationship, or other formal relationship with any federal, state, local, territorial, or foreign government, government agency, governmental authority, or foreign governmental entity, unless expressly disclosed in writing by Hub or Dub.
- General and consumer support: help@hubordub.com · (888) 247-1934
- File disclosure, disputes, and corrections: start a dispute — reinvestigated within 30 days (45 days where you add information during the reinvestigation).
- Your FCRA rights: Consumer rights · FCRA & CRA compliance
- Privacy and state privacy rights: privacy@hubordub.com · state privacy rights
- Security reports: security@hubordub.com
No physical mail. Hub or Dub is an exclusively online, remote, and virtual service. We do not maintain public-facing offices and do not currently accept postal mail, in-person appointments, walk-ins, document drop-offs, or on-site visits from the general public. All customer support, identity verification, reporting, investigations, disputes, and service delivery are conducted remotely through Hub or Dub's approved digital channels. Physical mail is not accepted and cannot be processed. Please scan and email all documentation to help@hubordub.com, or use secure upload, live chat, and support ticketing inside your account. Please scan all documentation and email it to help@hubordub.com so it can be logged, verified, and tied to your file record.