Refund Policy.

3-Day Cancellation Right (CROA)

Under Section 1679e of the Credit Repair Organizations Act (CROA), you have an unconditional right to cancel this contract within 3 business days of signing and receive a full refund of any fees paid.

How to exercise this right:

1. Submit written notice of cancellation through your Client Portal, or email support@creditrepairevolved.co with the subject line “CROA 3-Day Cancellation.”
2. Include your full name and the date you enrolled.
3. Written notice must be submitted within 3 business days of your enrollment date, not including the day you signed.

No reason required. CROA guarantees this right regardless of why you want to cancel. Refunds are processed within 10 business days of receipt of valid written notice.

One-Time Protocol Engagement

After the 3-day cancellation window, your enrollment fee secures the full Credit Repair Evolved Protocol — a one-time, fixed-scope engagement executed across the active dispute rounds for your file (typically 3–4 months from enrollment to program completion).

This is not a monthly subscription. There are no recurring charges, no automatic rebills, and no ongoing fees after enrollment is satisfied. The $1,499 full-pay enrollment (or two-installment plan totaling $1,598) covers your entire protocol from intake through final round.

You may discontinue active work on your file at any time by submitting written notice through your Client Portal. Discontinuation stops all forward execution but does not trigger an automatic refund of services already rendered. Specifically:

• Enrollment fees ($1,499 full pay) are non-refundable once protocol execution has begun. Work begins within 72 hours of enrollment, at which point Round 1 letter drafting, file setup, compliance audit, and certified mail costs are already incurred.
• Installment payments are non-refundable once the second payment clears, as completion of payment triggers the start of dispute filing.
• Pay-Per-Delete (PPD) services are non-refundable once filing has been initiated. PPD operates on a per-item, per-bureau basis with results delivered in 14–21 days (30 max).
• Unused portions of pre-paid PPD packages may be eligible for partial refund at our discretion if filing has not yet begun on the unused items.

Discretionary Refunds

We may issue discretionary refunds outside of the strict CROA cancellation window in limited circumstances, including:

• Service failure on our end — if we materially fail to perform the services described in your enrollment agreement
• Duplicate billing or technical payment errors
• Bureau rejection of your file for reasons that prevent us from providing any meaningful service (extremely rare)
• Documented inability to proceed due to circumstances outside your control (identity theft resolution, legal proceedings, etc.)

Discretionary refund requests must be submitted in writing through your Client Portal with detailed justification. We review each request individually and respond within 10 business days.

What’s Non-Refundable

The following are not eligible for refund after the 3-day CROA window:

• Services already performed (dispute letters already filed, escalations initiated, strategy sessions completed)
• Third-party costs we incurred on your behalf (certified mail fees, postage, file setup costs)
• Fees paid to third parties directly by you (SmartCredit’s $1 trial fee and monthly subscription goes to SmartCredit, not us — we cannot refund it)
• Strategy call fees ($50) once the call has been completed, as these cover dedicated time and file review
• Refunds based solely on score outcomes — CROA specifically prohibits us from guaranteeing score outcomes, and we do not offer score-based refund guarantees
• Refunds based on bureau/furnisher actions outside our control (e.g., a creditor re-reporting a previously deleted item, or a bureau delaying response beyond statutory windows)

How Refunds Are Processed

Approved refunds are processed as follows:

• Original payment method: refunds return to the card or account used for original payment
• Stripe payments: 5–10 business days to appear on your statement
• Zelle payments: refunded via Zelle to the phone number or email you used for the original payment, typically within 2 business days
• Bank transfers: 3–5 business days depending on your institution

You will receive written confirmation (email) once the refund is initiated on our end. If you do not see the refund within the timeframes above, contact us and we will trace the transaction.

Chargebacks

If you have a refund concern, please contact us directly before initiating a chargeback with your card issuer. Most refund issues can be resolved within 10 business days through direct communication.

Chargebacks initiated without prior contact with us may be contested with evidence of services rendered, as permitted under card network rules. This can result in additional fees and dispute fees, which may be deducted from any approved refund.

Chargebacks filed more than 30 days after service commencement, or chargebacks that are demonstrably fraudulent (claiming non-receipt of services that were in fact rendered), may result in account termination and potential legal action to recover fees, costs, and damages.

How to Request a Refund

To request a refund, follow these steps:

1. Log into your Client Portal and submit a message titled “Refund Request” — this creates a documented request in your file history
2. Include: your full name, enrollment date, amount being requested, and reason for the request
3. If exercising your 3-day CROA right, note that clearly (no reason required, but state the invocation)
4. Our team responds within 2 business days with acknowledgment and, for discretionary requests, a decision within 10 business days

For urgent refund matters, you may also email support@creditrepairevolved.co directly. Written portal submissions are preferred for proper documentation.

Contact & Disputes

Questions about this Refund Policy or a specific refund request:

Credit Repair Evolved, LLC
Santa Ana, CA 92705

Email: support@creditrepairevolved.co
Phone: (619) 261-8465

If you are not satisfied with the outcome of a refund dispute, you retain all rights under applicable consumer protection law, including the right to file complaints with the California Department of Consumer Affairs, the Consumer Financial Protection Bureau, and the Federal Trade Commission.