Money-Back Guarantee

The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 180 day warranty. If you sign up for a monthly service with MoneySmarts Credit Services and do not see any questionable items deleted from your credit in 180 days or your score haven’t increased by at least 50 points combined, you will be entitled to a full refund in monthly fees. This does not mean that your credit will be fixed completely during that period but you should see some of your questionable negative items deleted or an increase to your score in this period or your money back.

The Money back guarantee will be strictly subject to you complying with the following terms and conditions:

1. Eligibility for a refund does not start until day 180. You must be an active participant in the program for 180 days. Cancellation or a missed payment during the initial 180 days of the program is a void of this guarantee.

2. That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins.

3. You mail or email MoneySmarts Credit Services all correspondences relating in any way to your credit report within three (“3”) days of receiving said correspondence.

4. You make all payments due and owing to MoneySmarts Credit Services per this agreement in a timely manner.

5. You upload, mail, or email to MoneySmarts Credit Services proof of your identities such as a copy of your driver’s license and copy of social security card within three (“3”) days of the effective date of this agreement.

6. You agree to give MoneySmarts Credit Services ten (“10”) business days from the date you have requested a refund and we receive the letter to allow MoneySmarts Credit Services adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.

7. Refunds are limited to payments made for 180 days of service only. (ex. If the client is in service for 180+ days, with no change made to their history, they can request a refund, but that refund will be limited to 180 days of service).