Cancellation/Refund Policy

Cancellation:

By law, Back Office Credit Solutions LLC allows you to cancel your contract without penalty or obligation within three (3) business days from the date you signed the contract. You may also cancel at any time when you are satisfied with your results. Back Office Credit Solutions LLC cannot offer any promises or guarantees as to the outcome or length of time to achieve results.

100% Money Back Guarantee

We offer a 100% money back guarantee in our program. You agree that the only way to remain eligible for our Money Back Guarantee Program is to abide by the following terms:

  • You maintain Credit Monitoring services throughout the Credit Repair service (not Credit Karma). Failure to keep credit monitoring will void your money back guarantee because it makes it hard for us to verify what is being removed.
  • You agree to send updated reports from the three credit bureaus and debt collectors in question to us within 5 days of receipt or 15 days from the date on the report. You must also update us within 30 days of changing an address and always have a working phone number on file.
  • You have had 6 consecutive months from the time you retain our services with no account suspensions due to non-payment causing reactivation.
  • You have not had any new collections, late payments or missed payments in the time frame we are assisting you. Additionally, you have not entered into any agreements with collection agencies during the time enrolled in our program.
  • Failure to comply with our recommendations that cause your credit score to increase or temporarily decrease, such as obtaining a secured credit card, unsecured credit card or new account what will build a credit history.
  • You have at least four negatives on the credit report at the time of sign-up.  And only if we have not removed at least 1 negative item within a 6-month time frame or raised your points at least 50 points.
  • You have not used a credit repair company nor attempted to repair your credit within the last year of signing up for our services.
  • You agree to send updated reports from the three credit bureaus and furnishers within 5 days of receipt.

Refunds:

Services are provided on a month-to-month basis and clients may cancel their service at any time.  At the time of cancellation, the client is eligible for a refund of their most recent monthly charge collected within the last 30 days.