You are entitled to a 100% refund on all payments and fees, if:

• If we do not remove anything from your credit report, and you’ve obtained our services for 120 days. You have had four months from the time you retain our services.
• You have at least four negatives on the credit report at the time of sign-up.
• You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
• You agree to send updated reports from the three credit bureaus to us within 3 days of receipt.
• You have had no new items or missed payments added during the time frame we are assisting you.

For monthly programs, you may cancel services at any time. Please notify us in writing 7 days before the next billing period.