90-Day Money-Back Guarantee

The guarantee

If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you may request a full refund of program fees paid.

How to request a refund

1. Email [email protected] within 30 days after your 90-day period ends.
2. Include your full name and enrollment date.
3. Refunds are issued to the original payment method within 10 business days of approval.

What the guarantee does not cover

• SmartCredit^® or other third-party subscription fees. These are paid directly to those providers and are not refunded by us.
• This guarantee does not promise any specific score increase or the removal of accurate information.
• The guarantee does not apply if your program is ended because you did not respond to three requests to update SmartCredit or provide information, followed by a final written notice (see Client Responsiveness in our Terms).

Your other rights

This guarantee is in addition to your right to cancel your contract, without penalty, within 3 business days of signing it. See your right to cancel and your Consumer Credit File Rights.

Last updated: October 18, 2026