Refund Policy

Our Commitment to Transparency

We believe in clear expectations from the start. Because our services involve time, expertise, and ongoing work performed each billing cycle, refunds are handled according to the guidelines below.

Monthly Service Fees

Our services are billed monthly for ongoing credit analysis, dispute processing, account monitoring guidance, and client support.

Monthly fees cover work already performed during the billing cycle and are generally non-refundable once services for that cycle have begun.

When Refunds May Be Considered

Refund requests may be reviewed on a case-by-case basis in the following situations:

• Duplicate or accidental charges
  • Billing errors made by our company
  • Cancellation request submitted before any work has started for the billing cycle
  • Technical issues that prevented service delivery

Approved refunds will be issued to the original payment method when possible.

Non-Refundable Situations

Refunds are typically not provided for:

• Services already performed during a billing period
  • Failure to achieve specific credit score outcomes
  • Changes in personal financial circumstances
  • Delays caused by lack of client response or documentation
  • Accurate negative items remaining on credit reports

Because credit outcomes depend on many external factors, we cannot guarantee specific results and therefore cannot issue refunds based solely on outcomes.

Cancellation Policy

You may cancel services at any time by contacting our support team or submitting a request through your client portal.

If you cancel, services will remain active through the end of the current billing cycle unless otherwise stated, and no additional charges will occur after cancellation is processed.

Processing Time for Refunds

If a refund is approved, please allow:

• 5–10 business days for processing
• Additional time depending on your financial institution

Chargebacks

We encourage clients to contact us first if there are any concerns about billing. Filing a chargeback without contacting us may delay resolution and could result in account suspension while the matter is reviewed.

Fair Credit Repair Practices

Our refund approach aligns with ethical credit repair standards and reflects the ongoing nature of credit analysis and dispute services, which require continuous effort and resources.

Policy Updates

We may update this Refund Policy periodically to reflect changes in services, regulations, or operational practices. Updates will be posted on this page with a revised effective date.

Questions?

If you have any questions about billing, refunds, or your account, our support team is here to help. We are committed to clear communication and a fair customer experience.