1. Two different cancellation rights
The first is the federal right to cancel the paid services agreement, without penalty or obligation, within three business days of signing, which federal law governing credit-repair organizations (the Credit Repair Organizations Act, or CROA) requires be offered. The second is the program's ongoing cancel-anytime policy for future monthly service after that federal window.
This page is a summary. Before signature, paid customers must receive the separate written service agreement, Consumer Credit File Rights disclosure, and statutory Notice of Cancellation. This page does not replace those documents.
2. What a business day means
A business day is any day other than a Saturday, a Sunday, or a federal legal public holiday. The three-business-day cancellation count is measured in business days, not calendar days, so intervening weekends and federal holidays do not shorten the time you have to cancel.
For example, if you sign on a Friday, the three business days are typically the following Monday, Tuesday, and Wednesday, because Saturday and Sunday are not business days. If one of those weekdays falls on a federal holiday, that day is skipped and the count continues on the next business day. Your signed agreement and Notice of Cancellation state the exact deadline that applies to you.
3. Federal three-business-day cancellation
You may cancel the paid agreement, without penalty or obligation, within three business days of the date you sign it. No program fee may be charged during that window. Your signed agreement and Notice of Cancellation state the exact deadline and instructions that apply to you.
4. The statutory Notice of Cancellation
Federal law governing credit-repair organizations requires that, before you sign, you receive a separate written Notice of Cancellation together with the services agreement and the Consumer Credit File Rights disclosure. That Notice of Cancellation, not this web page, is the operative document for exercising your federal three-business-day right.
The Notice of Cancellation states the date by which you must cancel, the method for delivering your cancellation, and that you may cancel without penalty or obligation. It is provided as a completed form you can keep, sign, and return. This page summarizes that right for the public; it does not reproduce or replace the statutory form, and the terms of the signed Notice control if anything here differs from it.
5. Refunds on a three-business-day cancellation
Because no program fee may be charged before services are performed, and the first charge cannot occur until after the federal three-business-day window has closed and the mail provider confirms that every required first-round letter has entered the mail stream, there is typically little or nothing to refund when you cancel within that window. In the ordinary case no money has changed hands yet, so canceling simply ends the agreement before any charge.
If any amount was collected in connection with the agreement before you cancel within the window, it is returned to the original payment method used, at no cost to you and without a cancellation or restocking fee. As our own commitment, we aim to process any such return promptly, generally within 10 business days of an effective cancellation.
Refunds that arise after the federal window are handled through the separate 120-Day Fee Refund Guarantee and the other correction paths described below, not through this three-business-day right.
6. How to cancel
We honor a clear cancellation request submitted through the customer portal. We do not currently publish a staffed public cancellation email, phone number, or mailing address. The signed Notice of Cancellation, delivered together with your services agreement at signing, states the legally effective cancellation method and deadline that apply to your enrollment.
Cancellation requests are recorded so the effective time, billing stop, and work status can be confirmed.
7. When ongoing cancellation takes effect
For the cancel-anytime policy, the request is recorded when received and recurring billing stops immediately. Cancellation is not delayed until the end of a billing cycle. We provide confirmation showing the recorded request and billing status.
8. Charges and no proration
We will not charge another monthly program fee after cancellation becomes effective. A mid-month ongoing cancellation does not prorate or automatically refund the current month's completed-service charge because dispute work and tracking may already have occurred.
Refund paths include the federal three-business-day cancellation right and the separate 120-Day Fee Refund Guarantee, plus correction of duplicate, unauthorized, or erroneous charges and any rights required by law. A refund request is separate from cancellation and is not hidden inside the cancel flow.
9. What happens to dispute work
After cancellation, we stop initiating new dispute work and hold or cancel letters that have not been committed to mail. Letters already accepted by the mail provider or documented as mailed may finish delivery, and results from completed work may continue to arrive and be tracked.
Staff do not create new paid work after the effective cancellation time merely to justify another charge.
10. Portal access after cancellation
Your customer account and portal history remain available indefinitely after cancellation, with no paid-period expiration. Paid actions stop, but a read-only or free-level experience continues so you can review history and later results.
Keeping access is not the same as keeping every data class forever. Retention, legal holds, and privacy requests follow the Privacy Policy.
11. Account deletion is separate
Canceling paid service does not automatically delete the account or all records. Privacy requests are handled separately, and some records may be retained where required for legal, security, accounting, or dispute purposes.
12. Payment method on file
Cancellation prevents future recurring program charges. It does not require immediate deletion of transaction records or a payment token that must be retained for active obligations, fraud controls, accounting, or legal requirements.
13. Re-enrollment
If you cancel and later return to paid service, you must receive and sign a new written agreement. A new three-business-day cancellation window applies, and no prior payment authorization silently reactivates recurring charges.
14. Records, errors, and unauthorized charges
We record the request channel, request time, effective time, billing stop, work disposition, and confirmation. If a charge occurs after an effective cancellation or you believe a charge is unauthorized or incorrect, report it promptly through the customer portal so it can be investigated without limiting any legal rights.
15. State rights and notices
Nothing in this policy limits a longer cancellation period, refund right, or other protection that cannot be waived under applicable federal or state law.
Ongoing cancellation notices and questions may be submitted through the customer portal. No staffed public cancellation channel is currently published. The signed Notice of Cancellation supplies the method for exercising the federal cancellation right, and paid enrollment is offered only where that signed Notice, the services agreement, and the Consumer Credit File Rights disclosure can be lawfully provided.