No one in our business can accurately predict a specific outcome, but we can promise to do everything possible to maximize the probability of outstanding results. We stand behind our services and provide a risk free refund policy to all of our clients. When you enroll with us, you can expect quality, professional service before, during and even after your enrollment. After we have worked on your reports for a full 12 months, in the UNLIKELY EVENT you feel ambivalent or unsatisfied with the end result you may request a refund.
To qualify for a refund you must comply with the following:
- You must send us all of the results received from Equifax, Experian and Trans-Union as well as any correspondence you receive from creditors or collection agencies in response to our efforts as soon as you receive them. We need to know what results occurred in response to our disputes with the credit bureaus and your creditors. You may send us the results via fax, email, mail or upload the results directly into your secure online account. If you do not receive results every 30-40 days, you must notify us so that we troubleshoot and attempt to resolve the problem with the credit bureau in question. If you fail to send us the results on a monthly basis you will not be entitled to a refund because we would not be able to do our job to the best of our ability.
- You cannot simultaneously dispute items with the credit bureaus yourself or hire another company as this may hinder our ability to obtain maximum results.
- You must immediately notify us if you move, get married or change your name while you are enrolled with us. Failure to do so would hinder our our ability to achieve maximum results.
- We automatically bill your credit or debit card every month after services have been rendered and if your payment declines for any reason more than twice over the course of your 12 month enrollment, you will not be entitled to a refund.
- If you move, you will be required to send and confirm that we have received documents from you for verification of your residency, social and your identity with the credit bureaus. If you move, you must send us two of the following documents so that we may update the credit bureaus with your new address
Without the updated verification documents, the credit bureaus will not complete our investigations or send results to your new address and this will delay or decrease our chances for positive results.
At the time of the refund request, you must provide us with a fresh updated credit report from all 3 credit bureaus. We will complete a review of your reports and compare your original credit reports from your start date with the credit reports pulled after your 12th month of service has been completed and paid for.
Since there is no way we can predict how many questionable items are on your reports or how many items we will be able to delete, we will consider a deletion of a negative item or correction to any of your credit reports the equivalent to a $95 value. We will multiply the number of deletions per bureau X $95 to calculate the value of our services rendered. We then deduct the value from what was charged. If the value is lower than the investment, you may be entitled to a refund.
Below are examples of refund request scenarios:
Example 1
Michael enrolls after 12 full months of service and requests a refund. The following are the results of our findings:
Item 1. Equifax – Collection/Midland Credit Collection - Ref # 7865290 – Deleted $95
Item 3. Trans-Union – Collection/Midland Credit Collection - Ref # 7865290 – Deleted $95
Item 2. Trans-Union – HSBC Mortgage/3 Late Payments Acct # 928999352582001– Deleted $95
Item 4. Experian – Collection/Midland Credit Collection - Ref # 7865290 – Deleted $95
$ 1,140 Paid (Full price $95 month x 12 months = $1,140 Paid)
$ 380 Value (3 items deleted x $95 = $380 Value)
-____________________
$ 760 Refund ($1,140 Paid - $380 Value = $760 Refund)
Since we deleted only 4 items (a value of $380), Michael is entitled to a $780 refund.
Example 2
Susie enrolls and after a year of service she feels ambivalent about our success in helping her increase her credit scores and requests a refund. The following are the results of our findings:
Item 1. Experian – Repossession/Ref #6751333 – Deleted $95
Item 2. Equifax – Repossession/Ref #67513338736 – Deleted $95
Item 3. Trans-Union – Bankruptcy/Docket #FL-2187656780010 – Deleted $95
Item 4. Experian – Bankruptcy/Docket #FL-2187656780010 – Deleted $95
Item 5. Equifax – Bankruptcy/Docket #FL-2187656780010 – Deleted $95
Item 6. Experian – Sallie Mae 5 Late Payments Deleted/Account # 066744200000057900 – Deleted $95
Item 7. Equifax – Charge-Off/NCO Financial Account # 476280 – Deleted $95
Item 8. Trans-Union – Unpaid Judgment/Docket #2001882 – Deleted $95
Item 9. Experian – Unpaid Judgment/Docket #2001882 – Deleted $95
Item 10. Trans-Union – Medical Collection/Reference # 19887 – Deleted $95
Item 11. Experian – Utility Collection/FPL/Fair Collections Account # 9777730 – Deleted $95
Item 12. Experian – Late Payment /Capital One - Deleted $95
Item 13. Equifax – Inquiry/Ford Motor Company - Dated 12-10-09 – Deleted $95
Item 14. Equifax – Late Payment/Sears Account # 43564300 - Deleted $95
Item 15. Equifax – Paid Collection/Afni-Bloom Collection – Reference # 36662987 – Deleted $95
Item 16. Trans-Union – Inquiry/Bally’s – Deleted $95
Item 17. Trans-Union – Sallie Mae Financial 5 Late Payments Deleted / Ref#442000000579 – Deleted $95
$ 1,140 Paid (Full price $95 month x 12 months = $1,140 Paid)
$ 1,615 Value (17 Items Deleted x $95 = $1,615 Value)
-____________________
$ 0 Refund (No Refund Due)
Since we deleted 15 items (a value of $1,425), Susie is not entitled to a refund.
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