This Refund & Cancellation Policy explains when and how refunds work for Credit Repair Evolved services, including The 700 Protocol (our premium, one-time-payment program), The Foundation Protocol (our standard, month-to-month program), and the Banking Reset (ChexSystems / Banking-CRA) Protocol.
This Policy works together with your signed Service Agreement and our Terms & Conditions. If anything here conflicts with your signed Service Agreement, the signed Service Agreement controls.
The short version: you have a 3-day right to cancel for a full refund on any program. After that, the 700 Protocol carries a 30-day money-back guarantee and a transparent phase-based refund schedule, and the Foundation Protocol only ever bills you for work already performed. We back our work with guarantees on satisfaction — but we never promise a specific score, deletion, or results outcome.
You may cancel this contract, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract.
If you cancel within 3 business days of signing, for any reason and on any program, you receive a full refund of anything paid. To cancel, return either copy of the Notice of Cancellation delivered with your Service Agreement, or send written notice through your Client Portal or to support@creditrepairevolved.co before the deadline. Timely cancellations are refunded within ten (10) business days. This right cannot be waived.
The 700 Protocol (Premium) is a defined-scope engagement: the full 4-round dispute protocol across all three bureaus, certified mail, the complete escalation arsenal, Master Credit Analysis, priority handling, and the credit rebuild phase. It is priced at $999, paid in full, or two payments of $549 made thirty (30) days apart. There are no monthly fees on this program — ever. Your payment is applied against a phase schedule set out in your Service Agreement: amounts are earned as each protocol phase is performed and delivered, beginning with your Master Credit Analysis and Round 1 filing within 48 hours of enrollment.
The Foundation Protocol (Standard) is month-to-month. You pay a $199 first-week work fee to start — covering onboarding, your full 3-bureau audit and analysis, portal setup, and your first dispute round, all performed within your first week — then $99 per month for each month we continue working your file. Each monthly charge follows a dispute round we have already performed. There is no fixed total and no lock-in: you continue only as long as you want service, and cancel anytime.
On both programs, work begins fast — your first filing is out within 48 hours of setup — and the refund terms below reflect how each program is billed.
If you are not satisfied with our work in your first 30 days, tell us and we will refund your first-work payment — $999 on the 700 Protocol (or your first $549 installment if you selected the two-payment option, with the second installment cancelled), and $199 on the Foundation Protocol. No hassle.
This guarantee is based on your satisfaction with our work — it is not a promise about your credit score, the number of items removed, or any other outcome. We never guarantee results (see “No Results Guarantee” below). The 30-day window runs from your enrollment date and is separate from, and in addition to, your 3-business-day right to cancel above.
After your first 30 days, if you cancel the 700 Protocol before your program completes, your refund is calculated against the phase schedule in your Service Agreement — you keep every dollar attributable to work not yet performed, and we retain only what has been earned by phases already delivered:
AMOUNT PAID − PHASES ALREADY PERFORMED = YOUR REFUND
The phase schedule is: Master Credit Analysis + Round 1 — $399; Round 2 — $200; Round 3 — $200; Round 4 + rebuild phase — $200. A phase is “performed” when its disputes are prepared and filed (or, for the rebuild phase, when the rebuild plan is delivered). Approved refunds are processed within ten (10) business days to your original payment method.
If you selected the two-payment option, the same schedule applies against amounts actually paid, and cancelling before your second installment stops it from being charged (less any earned phases not yet covered by your first payment).
After your first 30 days on the Foundation Protocol, each monthly charge ($99) is billed only after a dispute round we have already performed and delivered that month. Because each payment follows work already done, monthly payments already made are non-refundable.
You may cancel at any time — by email, in writing, or by phone — with no penalty and no further obligation. Cancelling simply stops future charges; we do not bill for any month after you cancel, and paused months are not back-billed.
Upgrading Foundation to the 700 Protocol. You may upgrade at any time. Your $199 Foundation first-work fee is credited in full against the 700 Protocol price; monthly payments already made compensated completed monthly rounds and are not credited. From the moment you upgrade, your enrollment is governed by the 700 Protocol terms above, with your upgrade date treated as the start of the phase schedule for phases not yet performed.
Legacy enrollments. Clients who enrolled before this Policy's Last Updated date — including 700 Protocol enrollments at $599 + $99/month and Couples / Household enrollments at $999 + $179/month — keep the pricing, billing structure, and refund terms in effect at their enrollment for the life of their file. Nothing in this update changes a legacy client's rate or terms.
Household setups. Households enrolling two or more people are arranged as linked individual enrollments — contact us at (619) 261-8465 to structure yours. Each person's enrollment is governed by its own Service Agreement and the refund terms for the program selected.
Banking Reset is a filing engagement. Your dispute correspondence is prepared and filed with the applicable banking CRAs (ChexSystems, EWS, TeleCheck, Certegy) within the program window; the banking CRAs then conduct their reinvestigation under FCRA § 1681i.
Before your disputes are filed, your 3-day right to cancel applies. Once the filing is performed, that work is delivered and earned. No specific deletion, outcome, or bank-account approval is guaranteed.
An active SmartCredit (or CRE-approved) monitoring account is required on both programs so we can read your reports and file disputes. It is billed directly by the monitoring provider — it is not part of your program fee, and those charges are between you and that provider.
If your monitoring lapses, disputes cannot be filed and no work can be performed. A lapse caused by you makes you ineligible for any refund premised on work that could not be performed during that period; on the 700 Protocol, program timelines pause until monitoring is restored.
Consistent with CROA (15 U.S.C. § 1679b), we do not guarantee any specific credit score, deletion, deletion rate, timeframe, or loan, mortgage, auto, or funding approval, and we have never promised one. Program timeframes shown in our materials — including “90–120 days” for the 700 Protocol and “average 9–12 months” for the Foundation Protocol — are averages and engineering targets, not promises. You pay for professional work performed — analysis, dispute engineering, and escalation — not for a guaranteed outcome.
Any statement by a representative, affiliate, or advertisement purporting to guarantee a specific result or a “money-back if it doesn’t work” promise is not authorized and is not binding.
If you believe a charge is incorrect, contact us first at support@creditrepairevolved.co or (619) 261-8465 and allow 10 business days for us to review and resolve it.
Because charges are captured either for work already performed and delivered (Foundation) or under a disclosed phase schedule with defined refund rights (700 Protocol), a chargeback, ACH dispute, or bank reversal that bypasses this Policy is a material breach of your Service Agreement. In response, we may present your signed agreement, billing authorization, communication and delivery logs, and records of work performed, and recover the disputed amount and reasonable costs as permitted by law.
Nothing here waives or limits any right you have under federal or state law, including the Fair Credit Billing Act (15 U.S.C. § 1666) and the California Credit Services Act.
To request a refund, send written notice through your Client Portal or email support@creditrepairevolved.co with your name, enrollment email, program, and the reason for the request. We respond within ten (10) business days, confirm in writing, and process any approved refund to your original payment method.
Contact us at support@creditrepairevolved.co or (619) 261-8465. For formal written inquiries, mail to HVHA Marketing LLC dba Credit Repair Evolved, 2390 Red Hill Ave, Santa Ana, CA 92705.