General

  • What is Credo360?

    Credo360 (or simply Credo) is a way to demonstrate your credibility to others without compromising privacy. Anyone can get a free Credo ID and display it in a public place. With the help of Credo ID, strangers can get some notion of each other's credibility and make educated decisions about people around them.

  • Is another rating site really needed? Are reviews on eBay, Airbnb etc. not sufficient?

    We believe it is important to have a common and free service, which could be used to quickly establish someone's credibility. There are a number of challenges with the eBay and Airbnb ratings, when those ratings need to be considered outside of their relative sites. For example, it is not easy to confirm that the person who claims to have a particular eBay profile is the actual owner. It's also virtually impossible to share your eBay or Airbnb profile, without giving away your full name, private details of your residence, and a history of the items that you've sold or rented. Most folks can't easily get an eBay "history" without buying and/or selling multiple items, and even then, their ability to pay promptly may not give a full picture of their credibility.

  • Isn't rating people fundamentally wrong?

    Yes, it is - but that's not what we are doing. Your Credo Score is not a reflection of how good, kind, funny, smart etc. you are. We are not trying to assess your personality or evaluate you as a human being. Your Credo Score is a measure of just one aspect of your character - your credibility (how trustworthy you are).

  • Who can use Credo?

    Anybody who is 16 years old or older can use Credo as long as they agree to the Terms of Service and Privacy Policy. Anyone younger than 18 years old must have their parent(s)/legal guardian(s) permission to join the site.

  • How much does it cost to use Credo?

    Using Credo is completely free. We will not show you any ads or sell your data to anyone. In the future, we will introduce "premium" features and will charge money for them. This way, we'll be able to cover our costs. But core functionality of Credo will always remain free.

  • Do you have Credo360 apps for smart phones in addition to your web version?

    Yes, apps for both iPhone and Android are in the works and will be available in the fall of 2017.

Credo Account

  • How do I create a Credo account?

    The easiest way to create a Credo account is by using your existing Facebook or LinkedIn profile. Just click on Facebook or LinkedIn buttons in the Login Section, allow Credo360 app to read your Facebook or LinkedIn profile, and you are good to go. We need access to your profiles only to verify your info, and we will never post anything to your Facebook or LinkedIn profiles.

    You can also use your phone or email address to sign up. In this case, you will receive an email or a text message with an activation code that you'll need to use to activate your account.

  • What information is required to create a Credo account?

    We need only your first name and one account verification to create an account for you. This is the bare minimum which you can complement at any time to make your account more credible. For example, you can upload your profile picture or provide your last name, age, location and other information. You can also add more verifications to the account to increase your Credo Score.

  • How do I login once I have an account?

    When you sign up, you will be automatically logged into your account. Subsequently, you can use any of the following methods to login: Facebook, LinkedIn, phone number or email address - assuming you have connected them to your Credo account. Just choose the method you'd like to use in the Login Section and follow the prompt.

    In addition, you can choose to stay logged in for up to 14 days. To do this, check the "Remember me for 14 days" option after you log in.

  • What should I do if I believe someone's account is false?

    If you believe someone's account is fake or fraudulent, please flag that account or contact us at support@credo360.com to report it.

  • Can I close my Credo account?

    Yes, you can close it at any time. In some cases, closing an account may take up to 24 hours. And, if you have you any balance remaining in your Credo Wallet, you'll need to withdraw the money before closing your account.

  • What happens to my data when I close my account?

    Once you close your account, we remove all your personally identifiable information from the system. Meaning, nobody (not even us) will be able to link the information that remains in the system back to you.

    Please refer to our Privacy Policy for additional information on what data is retained after you close your Credo account.

  • Can I reopen my closed Credo account?

    Yes! To reopen your account, log in using one of the verifications you had attached to your account. If your account was verified with Facebook and/or LinkedIn, we will be able to restore your reviews, and your Credo Score will pick up from where you left off when you closed your account.

  • What is a Credo ID?

    Credo ID is your unique identifier on Credo. Think about it as your phone number or e-mail address. You can give your Credo ID to other people so that they can look up your profile and send you messages.

    Currently, Credo ID is an 11-digit number but in the future we are planning to make it customizable.

  • Can I change my Credo ID?

    You can regenerate your Credo ID once every 7 days to replace your existing ID with a new random number. If you have a mobile phone connected to your account, you can set your Credo ID to be your phone number. In the future, we are planning to make the ID fully customizable.

  • What happens when I change my Credo ID?

    Your new Credo ID will not automatically link to your old ID. This means that people who are not in your Circle of Trust will not be able to find you by your old Credo ID unless you give them your new ID.

Verifications

  • What is account verification?

    Account verifications help us ensure that Credo users are real people and they are who they say they are. We offer multiple verification methods, such as using your social profiles or government-issued ID. However, for login purposes, we require at least Facebook, LinkedIn, phone number or email verification.

    Not all verifications are the same. For example, verifying your account with an established Facebook profile will improve your Credo Score much more than verifying it with your email. However, the most reliable verification method is Identity Verification. All in all, the more verifications you attach to your account, the higher your Credo Score will be.

  • What account verifications do you support?

    Currently, we support the following verification methods: Facebook, LinkedIn, Twitter, Reddit, Identity Verification, bank account (currently available only in the U.S.), Coinbase, mobile phone, and email. However, we are working hard and planning to add more verification methods later in 2017. Such verifications might include Google+, physical address, and Credit Report.

  • What is Identity Verification?

    Identity Verification is a reliable way to ensure that users create real accounts. We'll ask you to provide some basic information about yourself, including a form of identification (e.g. last 4 digits of your SSN). Then we'll match this info against publicly available data sources to make sure that everything checks out. We'll also ask you a few simple questions to which you alone should know the answers. The whole process will take no more than a couple of minutes, and by the end of it your account will gain a lot of credibility.

    Currently, Identity Verification is only available in the U.S. In rare cases, when there isn't enough public data, we will not be able to verify your identity using this method. However, we are working on adding other forms of Identity Verification to make it available to everyone.

  • When I connect Facebook or LinkedIn to my account, does anything from Credo appear on these sites?

    No, we will never post anything to your Facebook or LinkedIn profiles. We access your Facebook and/or LinkedIn profiles only to verify that data in your Social Media profiles matches with your Credo profile.

  • Can I remove verifications from my Credo account?

    You can add and remove account verifications at any time. However, there are two important things to keep in mind. Firstly, removing verifications is very likely to decrease credibility of your account and will reduce your Credo Score. Secondly, you should keep at least one active verification connected to your account. Otherwise, you will not be able to log in.

    Please note that verifications you remove will be encrypted and stored in the system in order to prevent creation of multiple accounts with the same verifications.

  • Can I open two different accounts using the same verification?

    You cannot open multiple accounts using the same verification. For example, you cannot have two different accounts connected to the same mobile phone number. For some verifications (e.g. Facebook, LinkedIn), even if you delete them from one account, you will not be able to open a different account using them.

  • Can I merge accounts open through different verification methods?

    Not yet, but this functionality is coming soon.

  • What do I do if I am having trouble with verification?

    Please contact us at support@credo360.com and we will gladly assist you.

User Interaction

  • How can I find people on Credo?

    Finding other Credo users is easy. If your Credo account is connected to Facebook, you will be notified when your Facebook friends join Credo, and you'll be able to add them to your contacts.

    You can look people up using our search. Currently, there are 3 ways to find people: by their Credo ID, email address, or mobile phone number. You can look someone up by their Credo ID even if you don't have a Credo account, but you need to be logged in, to find someone by their email or phone number. In addition, you can search for people by their first and last names if they are in your contact list or if you had transactions or chatted with them in the past.

    If someone has connected their Twitter and/or Reddit account to Credo, you can look them up by their Twitter handle or Reddit username respectively. For Twitter, use the link https://www.credo360.com/twitter/xxx and replace "xxx" with the person's Twitter handle. For Reddit, follow the link https://www.credo360.com/reddit/xxx and replace "xxx" with the person's Reddit username, e.g., irakliy81.

  • Can I invite people to Credo?

    Yes! Currently, you can invite people via email or SMS. If they accept your invitation and register, you will be notified and offered to add them to your contact list.

  • How can I share my profile with others?

    If you want someone to see your profile, give them your Credo ID or a link to your profile page.

  • How can I communicate with other Credo users?

    You can start conversations with one or more people using our messenger. We encourage people to use Credo Messenger (instead of SMS or email) as you will know exactly who you are dealing with, and the amount of your interaction on Credo will directly determine who you can review and what impact your review will have on their Credo Score.

    To start a conversation, you need to have a Credo ID of the user you'd like to send messages to. Currently, up to 8 people can participate in a single conversation.

  • What can I send via Credo Messenger?

    Just like with most messengers out there, you can use Credo Messenger to send texts and files. In addition, you can schedule meetings, make payments, create agreements, and confirm transactions right in the messenger. Take a look at Transactions section below for more info on payments, transactions, and agreements.

  • Can I prevent certain people from contacting me on Credo?

    Yes, you can block people with whom you don't want to talk. Once blocked, they will not be able to send any messages to you.

    In the future, you will be able to set a Credo Score threshold, and only people with Credo Score at or above that threshold will be able to contact you.

  • Can I invite people into ongoing conversations?

    Yes, you can invite additional people into ongoing conversations by sending them an invite or a link to the conversation. Currently, we allow up to 8 participants in a single conversation. Depending on conversation settings, invited people will be able to join the conversation immediately, or they will have to be approved by other conversation participants before joining.

  • What are "Invite Confirmations"?

    When Invite Confirmations are enabled, nobody can join a conversation or see it unless they are invited and approved to join by all conversation participants. However, when Invite Confirmations are off, any conversation participant can invite other users into the conversation without asking other participants for an approval.

  • Can I leave a conversation?

    Yes, you can leave an ongoing conversation at any time. Once you leave the conversation you will not receive any messages sent into the conversation by other users.

  • Can I rejoin a conversation I had left?

    Yes. To rejoin a conversation, you will need to be invited by one of the active participants. However, if you leave a conversation that had only 1 other active participant, the conversation will be permanently closed.

  • Can I remove someone from a conversation?

    No, once joined, a person cannot be removed from a conversation unless they leave voluntarily.

  • Can I delete or edit a message after sending it?

    You can edit a message within 5 minutes of sending it. After that period, you cannot modify it. However, you can send an expiring message that will be automatically deleted after the time period you select and none of the conversation participants will be able to see or retrieve it.

  • What are expiring messages and how do they work?

    An expiring message will be automatically deleted from the conversation after the time period selected and its contents will be completely gone from our servers within 24 hours.

  • What should I do if I receive an inappropriate message?

    Please flag that message as inappropriate or contact us at support@credo360.com to report it.

  • What am I not allowed to say on Credo?

    Please be respectful to other users and express your opinions in accordance with the Terms of Service.

  • Am I liable for what I say on Credo?

    You are responsible for your own actions and must not violate the Terms of Service.

Contacts

  • What is a Contact?

    Think of Contacts as your Credo address book. It can include users with whom you communicated or intend to communicate via Credo Messenger as well as people from your Circle of Trust. If you have someone's Credo ID, you can add them to your Contacts. People from your Circle of Trust are added to your contacts automatically.

    In addition, if your Credo account is connected to Facebook, you will be notified when your Facebook friends join Credo. Then you will have the option to add them to your Credo contacts.

  • What are the Blocked contacts?

    You can add people to Blocked Contacts if you want to stop receiving messages from them. A blocked user will not be able send you messages but they will still see the "Public" elements of your profile. Please keep in mind that if you had interactions with a contact, blocking them will not prevent them from rating you or writing a review for you.

  • Can I delete someone from my Contacts?

    Yes, you can delete people from your Contacts at any time.

  • What is a Circle of Trust?

    Circle of Trust is a group of people who you believe can vouch for you. They know you well and you have an established trust relationship. Think about them as your closest friends and family. To add someone to your Circle of Trust you will need to send a "trust request" to them and they will need to approve it. You should be very selective about whom you want to include into your Circle of Trust because your Credo Score is directly affected by their Credo Score and vice-versa.

    Once someone is in your Circle of Trust, they can write a review for you immediately (and you can do the same for them). They will also be able see your full profile (including elements set to "private" visibility) and read reviews others have written for you.

  • Can I remove someone from my Circle of Trust?

    Yes, you can remove people from your Circle of Trust at any time.

Reputation and Feedback

  • What is the Credo Score and how is it calculated?

    Your Credo Score is an indicator of your credibility to other people. It is measured on the scale of 0 to 360 and consists of following three components:

    • Identity component measures how much confidence we have in knowing that you are who you say you are. It consists of credibility of your Verifications and your Credo Profile strength. For example, even though you do not have to fill out all of the profile fields, the more complete your profile, the stronger it is. Also, your profile strength increases significantly if your name and/or other profile fields match your social media profiles.
    • Endorsements component depends on the number and reputation of people who are willing to vouch for you - i.e., people in your Circle of Trust. Generally speaking, the more people you have in your Circle of Trust and the better their reputation, the higher the bump in your Credo Score. However, once you reach about a dozen of people in your Circle of Trust, any further increase in the number of people will not have a significant effect on your Credo Score.
    • Feedback component has the greatest impact on your Credo score and consists of ratings and reviews you receive from other users. The more consistent and positive ratings you receive, the higher your Credo Score will be and vice-versa.

    Even though Identity and Endorsements components do not affect your Credo Score as strongly as the Feedback, they are important components overall. This means that having credible verifications, strong profile and reliable people in your Circle of Trust will help improve your Credo Score.

  • What is Provisional Reputation?

    When you first join Credo, your Reputation level is set to "Provisional". This simply means that you are a new user, and you haven't yet had the chance to build your Credo Score. Provisional Reputation is available for two weeks to give you the time to add verifications, fill out your profile information and add people to your Circle of Trust. After the two-week period, your Reputation Level will reflect your actual Credo Score.

  • What is Feedback?

    Feedback consists of Ratings and Reviews.

    A Rating can be one of the following:

    • Poor - stay away from this person;
    • Fair - be cautious when dealing with this person;
    • Good - this person can be trusted;
    • Excellent - this person went above and beyond of what was expected.

    The rating you give to someone will influence their Credo Score and will help others determine that user's credibility. Thus, when giving a rating please take this scale seriously. In other words, do not just rate everyone as "Excellent" unless they really went above and beyond of what was expected. Please note that ratings are fully confidential; nobody but the person giving the rating will see it (not even the person being rated).

    A Review is a description of your interaction with someone in addition to a rating. For example, "I rented a room from Alison. She was very friendly. Everything was as described." This provides a little more information to others when they are considering whether a certain user can be trusted.

  • For whom can I provide feedback and when?

    You can rate Credo users if you are friends with them on Facebook at any time. As for the rest of the users, you can rate them only after you have a transaction or some interaction with them on Credo. The more you interact with a certain user, the higher the impact your rating will have on their Credo Score.

    Reviews are only available after having a transaction or significant amount of interaction with a user unless that person is in your Circle of Trust. As for people in your Circle of Trust, you can review them at any time.

  • How can I view reviews written about other people?

    To view someone's reviews, you must ask them to share their reviews with you. You can do that after you've exchanged a few messages via Credo Messenger. If the other person agrees to share their reviews with you, you'll see a randomly selected sample of their reviews, and you'll have a 7-day window to read through them. Currently, the sample size is 5 reviews, but in the future, we'll make it customizable.

  • Can I change my review or rating after submitting it?

    For the people in your Circle of Trust, you can change ratings and reviews you wrote at any time. With regards to the rest of the users, you can change ratings and reviews you wrote within 21 days of your last interaction with them.

  • Can I change or delete reviews written about me by other users?

    No, you cannot change or delete reviews written by other users.

  • What should I do if I see or receive an inappropriate review?

    Please flag that review as inappropriate or contact us at support@credo360.com to report it.

  • What if someone writes a negative review about me or gives me a low rating?

    Credo Score is calculated to take into account the majority and consistency of your ratings. Thus, if you mostly have good ratings, then one or very few negative ratings will not bring down your Credo Score significantly. Similarly, if you mostly have good reviews and a good Credo Score, other users will probably not rely on that one negative review when determining your credibility.

Transactions

  • What is a transaction?

    Anything that involves an exchange of goods or services is a transaction (think buying a couch on Craigslist or renting an apartment). You can make such transactions safer by conducting them on Credo (this is very important!) This will do two things: first, it will create a historical record of the transaction for you, but more importantly, once a transaction is confirmed, both parties will be able to rate and review each other.

  • How can I confirm a transaction on Credo?

    The simplest way to confirm a transaction with someone is to send them a payment via Credo for the goods or services they provided. There are a couple of payment methods you can use, and more are on the way. Once they accept the payment, the money will be transferred, and the transaction will be confirmed.

    If you didn't pay through Credo (e.g. you used cash), not a problem. Just send a "transaction confirmation request" to the other user. Once they accept the request, the transaction will be confirmed.

    Finally, you can make an agreement with another user to exchange goods or services for a certain amount of money sometime in the future. The agreement will become a confirmed transaction once the payment is made and confirmed.

    Just a reminder, you can't use Credo to send money to other users (e.g. friends or family) without buying something from them.

  • What payment methods can I use?

    Currently, we support the following payment methods:

    • Credo Wallet - will let you make and accept instant payments right here on Credo, but available in the U.S. only.
    • Coinbase - will let you send and receive Bitcoin, Litecoin, and Ether using your Coinbase account.

    We are working on adding other payment methods, and will send out updates as soon as they become available.

  • How much money can I send/receive?

    Currently, you can send up to $500 week and also receive up to $500 a week. In the future, your limits will depend on your Credo Score: the better the score, the higher the limits. You can always check your remaining weekly limits in your account settings.

  • Can I change or cancel a transaction?

    You can change or cancel a transaction up until it is confirmed. However, once a transaction is confirmed, there is no way back.

    You can also terminate an agreement for a future transaction at any time. In this case, both parties will still be able to rate and review each other.

  • Can I reject a transaction from another user?

    Yes. Transactions are not accepted automatically. You can reject a transaction and/or payment sent to you by another user. However, once you accept the transaction, it can no longer be changed or canceled.

  • What happens if another user does not accept my transaction?

    The other user has 5 days to accept your transaction. If they don't accept it within 5 days, the transaction is canceled automatically. If you had a payment associated with the transaction, the payment will be canceled as well.

  • Are there transaction fees?

    Currently, we do not charge any transaction fees. We may add small transaction fees in the future to help us cover our costs, but don't worry - they won't break your bank.

  • How long does it take to send/receive money to/from another user?

    This depends on the payment method. With current payment methods, money transfers from one user to another are instantaneous.

  • Where can I find my transactions history?

    All of your confirmed transactions and agreements are listed on your Dashboard.

  • What do I do if there's a problem with my transaction?

    In case of a dispute with another user over a transaction, try to work it out with them - chances are, you'll be able to come up with an amicable solution. If this fails, make sure to rate and review that user accordingly. This will help others know how to deal with this person.

    If you have a technical problem or believe that another user has committed fraud, notify us immediately at support@credo360.com and we'll try to help.

Credo Wallet

  • What is Credo Wallet?

    Credo Wallet allows you to make and accept payments for goods and services right here on Credo. It works very similarly to how PayPal or Venmo work: you can hold a balance on Credo, make instant payments from this balance to other user, and easily move money between your wallet and a U.S. bank or credit union account.

  • Who can use Credo Wallet?

    Currently, Credo Wallet is available only in the U.S. for users who are 18 or older. To use Credo Wallet, you don't need to have a U.S. bank account. However, to move money in and out of your wallet, you will need to connect it to a U.S. bank or credit union account.

  • How can I enable Credo Wallet?

    To enable Credo Wallet for your account, we'll need to make sure you are a real person. We will ask you to provide basic identify info, including last four digits of your Social Security number. We never store your SSN (or its last 4 digits) in our system - it is discarded right after we verify your identity. For more information, refer to our Privacy Policy.

  • How do I link a bank account to my Credo Wallet?

    There are two ways: instant account verification and micro-deposits.

    With instant account verification, we'll be able to verify your account, well, instantly. To do this, we'll ask you to provide your bank username and password. Once the bank confirms that your username and password are correct, you're good to go. We never store your bank login info in our system - it is discarded right after we verify your account. For more information, refer to our Privacy Policy.

    With micro-deposits, you'll need to provide your bank's routing number and your account number. Then, we'll make two small deposits into your account. Once the deposits arrive (may take up to 3 - 4 business days), you'll need to log back in to Credo to verify the deposited amounts.

  • How can I add money to my Credo Wallet?

    You can transfer money into your Credo Wallet from a U.S. bank or credit union account. You'll need to verify the account by linking it to your wallet first. It may take a couple of days for the transfer to clear, and there might be limits on how much money you can transfer at any given time.

  • How do I withdraw money from my Credo Wallet?

    You can withdraw money from your Credo Wallet and deposit it into a U.S. bank or credit union account. You'll need to verify the account by linking it to your wallet first. It may take a couple of days for the transfer to clear, and there might be w8">limits on how much money you can withdraw at any given time.

  • How long does it take to transfer money to/from Credo Wallet?

    Deposits of $100 or less take 1-2 business days to clear. For example, if you request to transfer $100 into your wallet before 5pm EST, the money will be in your wallet the next day. If you do it after 5pm EST, then the money won't arrive until the day after. Deposits larger than $100 may take 3-4 business days to clear.

    Withdrawals from Credo Wallet take 1-2 business days to clear.

  • How much money can I transfer from/to my Wallet?

    Currently, you can transfer up to $500 per week into your wallet and also withdraw up to $500 from your wallet. In the future, it will depend on your Credo Score: the higher the score, the more money you'll be able to transfer. You can always check your remaining weekly limits in your account settings.

  • Where is my Credo Wallet money held?

    Money in your Credo Wallet are held by Dwolla, Inc.'s financial institution partners. More information about Dwolla's financial institution partners is available here.

  • What do I do if there's a problem with my Credo Wallet?

    If you have a technical or any other difficulty related to your Credo Wallet, please contact us at support@credo360.com and we'll be happy to help.

Privacy

  • Can I control what people see on my profile?

    You can set each of the profile elements to be Private, meaning visible only to your Circle of Trust, or Public, meaning visible to everyone. However, your first name, location country and Credo Score are always public and anyone can see them.

    To people outside of your Circle of Trust, "Private" profile elements will be displayed as follows:

    • last name will show as an initial
    • profile picture will be blurred
    • birthday will not be shown
    • location city will not be shown
    • gender will not be shown

    Verifications you add to your account are shown on your profile page as described here.

  • How will other people see my verifications?

    Your verifications are only used to verify your account and are never shared with anyone. Other users will only be able to see the method of verification you provided with the minimal information that will help them determine whether your account can be trusted. Publicly visible info for each verification is described below:

    • If you have a verified Facebook account, your Credo profile will display the number of your Facebook friends and the date when you last synced your Facebook account with Credo.
    • If you have a verified LinkedIn account, your Credo profile will display the number of your LinkedIn connections and the date when you last synced your LinkedIn account with Credo.
    • If you have a verified Twitter account, your Credo profile will display the number of your Twitter followers and the date when you last synced Twitter account with Credo.
    • If you have a verified Reddit account, your Credo profile will display how long you have been a Reddit user and the date when you last synced your Reddit account with Credo.
    • If you have a verified email address, you can choose to either completely hide your email or to display the first and the last two letters of the username along with the email provider (Yahoo, Gmail, etc.) e.g. ixxxya@gmail.com.
    • If you have a verified phone number, you can choose to display only the country code or a combination of country code, area code, and the last 2 digits of your phone number, e.g. 1.123.xxx.xx34.
  • Who can see reviews written for me?

    People in your Circle of Trust can see your reviews as well as users who wrote reviews for you will see what they had written. Nobody else can see your reviews. However, if you want to show your reviews to someone, you can.

  • Who can see reviews I wrote for others?

    Once you write a review, it's up to the person, for whom you wrote it, to determine who will be able to see the review. However, they will not be able to display your Credo ID or your full name with the review (only your first name and last initial will be visible).

  • How is my data protected?

    We encrypt all data transmitted to and from our application using SSL protocol. Our servers are hosted in Microsoft Azure cloud protected by enterprise-grade security infrastructure. We contentiously monitor all our servers and employ proactive threat detection. Additionally, all sensitive data (e.g. your phone, email, social media links) is encrypted using AES 256-bit encryption.

    Please note, we never store your bank account info, your government ID numbers (e.g. SSN or its last 4 digits) or pictures in our system. However, our partners (e.g. Dwolla, Inc.) may store such information in their system to provide additional functionality for your account.

  • Is my information shared with anyone?

    Your information is never shared with anyone unless you choose to share it. For more information, please refer to the Privacy Policy.