Our Refund Policy

1. Overview

The Credit Connect LLC ("we," "us") is committed to delivering high-effort, statute-based credit-dispute work. This Refund Policy explains when refunds are available, how they're calculated, and what you need to do to qualify.

This policy is in addition to — and does not replace — your federal three-day right to cancel under CROA, your rights under our Cancellation Policy, or any rights you may have under your state's credit-services laws.

2. Three-Day Right to Cancel (Always Available)

You may cancel your service agreement for any reason within three (3) business days of signing, with a full refund of all fees paid. To cancel:

• Send written notice to support@getcreditconnect.com
• Include your full name and the date of your signed agreement
• Refunds for three-day cancellations are processed within seven (7) business days

3. Performance Guarantee — 90-Day Zero-Deletion Refund

If, after ninety (90) consecutive days of active service following your first dispute round, you have received zero deletions, removals, updates in your favor, or settled accounts across all three credit bureaus (Equifax, Experian, TransUnion), you may request a refund of the monthly service fees you paid during that 90-day period, subject to the eligibility requirements below.

3.1 Eligibility Requirements

To qualify for the 90-day performance refund, all of the following must be true:

1. You signed your service agreement and completed onboarding within five (5) business days of enrollment.
2. You uploaded current credit reports from all three bureaus (or authorized our integrated credit-monitoring partner) within five (5) business days of enrollment.
3. You provided all requested supporting documentation (government ID, proof of address, etc.) within five (5) business days of each request.
4. You signed and returned all dispute authorizations, power-of-attorney forms, and CROA-required documents within five (5) business days of each request.
5. You did not engage another credit-repair company, dispute service, or attorney to dispute the same items during the 90-day period.
6. You did not make payments to, settle with, or enter into new agreements with the furnishers being disputed during the 90-day period (such payments often trigger account "re-aging" or re-reporting that interferes with disputes).
7. You did not open new credit accounts, apply for new credit, or generate new hard inquiries that materially altered your credit file during the 90-day period.
8. You responded to dispute results, mail correspondence, and team communications within five (5) business days throughout the 90-day period.
9. Your account remained in good standing (no chargebacks, declined payments, or unpaid balances) throughout the 90-day period.

3.2 What Counts as a "Deletion or Update in Your Favor"

For purposes of this guarantee, the following all count as "results" that disqualify a refund request:

• Removal of any tradeline, collection, charge-off, public record, or inquiry from any of the three bureaus
• Update of an account's status (e.g., from "collection" to "paid in full," or from "120 days late" to "current")
• Update of any inaccurate balance, date, or account history in your favor
• Settlement of an account at a reduced amount as a result of our debt-validation work
• Cessation of collection activity by a furnisher following our dispute correspondence

3.3 What Is NOT Refundable

The following fees are non-refundable, regardless of results:

• The audit & onboarding fee (paid after delivery of your 3-bureau audit), as this fee compensates work already performed: customer onboarding, review of your credit file, audit production, and initial dispute-letter generation
• Monthly fees for any month in which deletions, updates, or settlements occurred
• Plan fees on the 4-Month, 6-Month, and Business Credit Pro plans, which compensate work already performed at the time of billing
• Third-party costs incurred on your behalf (postage, certified mail fees, credit-monitoring subscriptions, court fees, etc.)

4. How to Request a Performance Refund

If you believe you meet all the eligibility requirements above, send a written refund request to support@getcreditconnect.com with the subject line "90-Day Refund Request". Include:

• Your full name and account email
• The date you enrolled
• The dates of your most recent credit reports (from all three bureaus) showing no changes
• A statement confirming that you have met each eligibility requirement listed in Section 3.1

We will review your request within ten (10) business days and respond with one of the following:

• Approved: the eligible refund amount will be processed within seven (7) business days of approval, returned to the original payment method
• Additional information requested: we will identify any documentation or clarification needed
• Denied with explanation: we will identify which eligibility requirement was not met and provide supporting documentation from your account history

5. Disputes and Chargebacks

If you believe a refund decision is incorrect, please contact support@getcreditconnect.com in writing so we can review the case. We commit to engaging in good-faith dispute resolution.

Initiating a chargeback with your bank or card issuer without first contacting us is a violation of our Terms of Service and may result in:

• Immediate termination of your service agreement
• Forfeiture of any pending dispute work
• Reporting of the chargeback to industry fraud-prevention databases used by payment processors
• Recovery of any owed amounts through collections

6. Cancellation vs. Refund

Cancellation stops future billing. Refund returns money already paid. They are separate.

You may cancel your service at any time per our Cancellation Policy, but cancellation alone does not entitle you to a refund of fees already paid for services rendered. If you cancel during the 90-day refund window, you must still meet the eligibility requirements in Section 3.1 to receive a refund.

7. Promotional Pricing & Special Offers

Discounted, promotional, or referral-bundle pricing is offered as a courtesy and may have its own refund terms disclosed at checkout. Where promotional terms conflict with this Policy, the promotional terms control for that specific transaction.

8. State-Specific Rights

Some states require credit-services organizations to offer additional refund rights beyond those in this Policy. Where state law provides a more generous refund right than what's described here, that state law controls. Nothing in this Policy is intended to waive or limit any non-waivable consumer right.

9. Changes to This Policy

We may update this Refund Policy from time to time. Any change applies only to service agreements signed on or after the change's effective date. Existing clients are governed by the version of this Policy in effect when they enrolled.

10. Questions