The Credit Company

REFUND & CANCELLATION POLICY

Last Updated: February 2026

At The Credit Company, we dedicate significant time, labor, and legal resources to every file we manage. Because our services involve manual document preparation and personalized consulting, we adhere to the following policy:

1. NO REFUNDS ON COMPLETED WORK

All payments made for Monthly Subscriptions and Installment Plans are non-refundable. Once an audit has been performed, or dispute letters have been drafted and sent, the service is considered "rendered," and no refunds will be issued.

2. SUBSCRIPTION CANCELLATIONS

You may cancel your $88.00 (Individual) or $99.00(Couple) monthly subscription at any time.

• To avoid being charged for the next billing cycle, cancellation requests must be submitted in writing via [Email Address] at least three (3) business days before your next billing date.

• Cancellation of a subscription will result in the immediate cessation of all credit monitoring and dispute services.

3. INSTALLMENT PLAN DEFAULTS

As outlined in our 10/35 Rule, missing an installment payment does not entitle the client to a refund of previous payments. If an account remains unpaid for 35 days, the plan is terminated, and all previous payments are forfeited as they covered work already performed during those periods.

4. SERVICE GUARANTEE

While we guarantee to use our best professional efforts to dispute inaccurate, unfair, or unverified information on your credit reports, we cannot legally guarantee a specific credit score increase or a specific result. Credit reporting is controlled by third-party bureaus and creditors; therefore, results vary by individual.

5. CHARGEBACKS

By processing your payment, you agree to these terms. Any "unauthorized" chargeback claims filed through your bank for services already rendered will be contested using your signed contract and this policy as evidence of your agreement.

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