This Refund Policy explains when you’re entitled to a refund for services paid to Credit Repair Evolved, LLC (“CRE,” “we”), how to request one, and what to expect after you submit a refund request.
Our policy is designed to be straightforward and fair: we honor your statutory rights under the Credit Repair Organizations Act (CROA), we operate on a one-time protocol model with no recurring fees, and we stand behind the quality of our work.
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:
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.
Heads up: Many credit repair companies try to hide the 3-day cancellation right or make it difficult to exercise. We don’t. If you change your mind within 3 business days, contact us and we’ll process your refund — no questions, no retention tactics.
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:
We may issue discretionary refunds outside of the strict CROA cancellation window in limited circumstances, including:
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.
The following are not eligible for refund after the 3-day CROA window:
Approved refunds are processed as follows:
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.
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.
To request a refund, follow these steps:
For urgent refund matters, you may also email support@creditrepairevolved.co directly. Written portal submissions are preferred for proper documentation.
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.
Contact the CRE team at support@creditrepairevolved.co or (619) 261-8465. For formal written inquiries, mail to Credit Repair Evolved, LLC, Santa Ana, CA 92705.