Refund & Cancellation Policy

Our Service Plans at a Glance

Optional à la carte services are billed individually after delivery of each completed service. All billing occurs at the end of each service period for work already completed - never in advance.

1. Cancellation Within 5 Business Days (Rescission Period)

If you cancel within 5 business days of signing your service agreement:

• You will receive a full refund of all fees paid.
• Refunds are processed within 5-7 business days to the original payment method.
• No penalties, fees, or charges of any kind will apply.
• Your account and personal data will be securely deleted upon request (subject to legal retention requirements).

How to Cancel: Submit written notice by any of the following methods:

• Email: support@speedycreditrepair.com
• Client Portal: Use the "Cancel Service" option in your account settings
• Mail: 117 Main St #202, Huntington Beach, CA 92648
• Phone: 1-888-724-7344 (written confirmation will be sent)

2. After the Rescission Period - New Client Agreements

The Speedy Plan (4- to 6-Month Program): The Speedy Plan is a 4- to 6-month program; your agreement states your exact program length. The program length is the plan, not a lock-in: you may cancel at any time in writing; there is no notice period. The program encompasses comprehensive credit profile development including optimization coaching, financial literacy education, score enhancement strategies, and ongoing support beyond item removal alone.

At the end of your program, service does not automatically renew. You must actively choose to continue. If you choose to continue as a returning client, a new agreement applies on the same terms - see Section 3.

Goodwill Adjustments: In rare circumstances, Speedy Credit Repair may, at its sole and absolute discretion, issue a partial or full credit or refund as a goodwill gesture. Any such adjustment is made on a case-by-case basis and does not establish a precedent, entitlement, or obligation for future adjustments.

Billing Errors & System Malfunctions: If a charge is made in error due to an input mistake, system malfunction, duplicate processing, or other technical error, Speedy Credit Repair will promptly reverse or refund the incorrect charge upon verification. Please report any suspected billing errors to billing@speedycreditrepair.com or call 1-888-724-7344 within 30 days of the charge.

3. Returning Clients

Returning clients sign a new service agreement on the same terms as new clients, including the 5-business-day rescission period. You may cancel at any time in writing; there is no notice period. All à la carte services delivered prior to cancellation are non-refundable.

4. How Our Billing Works

In compliance with the Credit Repair Organizations Act, all billing occurs after services have been performed - never in advance. You are never charged for services that have not yet been delivered.

Monthly Service Fees: Monthly fees are billed at the end of each service month for work completed during that billing period. You will receive an itemized invoice before or at the time of each charge detailing all services rendered.

À La Carte Optional Services: Optional add-on services are billed individually after each specific service has been completed and delivered. Examples include goodwill letters (billed after the letter is sent), creditor intervention calls (billed after the call is completed), and debt validation letters (billed after the letter is sent). À la carte items completed during a billing month are included in that month's consolidated end-of-month invoice. They are never pre-billed or charged at the time of selection.

Consolidated Monthly Invoice: You will receive one consolidated itemized invoice per billing cycle that includes your monthly service fee plus any à la carte services completed during that period. This results in one payment transaction per billing cycle, not multiple separate charges.

5. Summary: Non-Refundable After Rescission Period

Once the 5-business-day rescission period has expired, the following are non-refundable because work has been performed on your behalf:

• Monthly service fees for any billing period in which credit repair work was performed.
• À la carte add-on services that have been completed and delivered (e.g., letters already sent, calls already completed, reports already prepared).

The sole exception is verified billing errors or system malfunctions, which will be reversed promptly upon verification (see Section 2 above).

6. How Refunds Are Processed

• ACH Payments: Refunds are returned to the original bank account within 5-7 business days.
• Credit/Debit Card: Refunds are credited back to the original card within 5-10 business days, depending on your card issuer.
• Zelle Payments: Refunds for Zelle payments are processed via ACH to your bank account or by Zelle return, within 5-7 business days.

You will receive email confirmation when your refund has been initiated, along with the expected timeline for the funds to appear in your account.

7. Payment Disputes

If you believe you have been charged incorrectly, please contact us first at billing@speedycreditrepair.com or 1-888-724-7344. We are committed to resolving billing issues promptly and fairly. In most cases, billing concerns are resolved within 1-2 business days.

8. Account Holds

If we place your account on hold. We may pause billing on your account, for example while a returned payment is being resolved. While your account is on hold you are not charged. When the hold is lifted, only the single payment then coming due is charged; the months that passed during the hold are not.

9. Credit Monitoring (IDIQ) - Separate Service

Credit monitoring through IdentityIQ® (IDIQ) is a separate service with its own billing and cancellation policy. IDIQ provides the monitoring service and bills you for it directly; Speedy Credit Repair does not collect that fee, and IDIQ's pricing is subject to change. Canceling your Speedy Credit Repair service does not automatically cancel your IDIQ subscription, and vice versa. To cancel IDIQ credit monitoring, you must contact IDIQ directly. Speedy Credit Repair is not responsible for IDIQ billing or refunds.

Report Access After Service: For at least 45 days after your service contract end date, we need a way to see your current credit reports. Usually this is your IDIQ credit monitoring subscription, but another method we have approved is enough. This allows Speedy Credit Repair to verify any confirmed deletions resulting from dispute efforts made during your active service period.

10. Service-Only Business - No Product Returns

Speedy Credit Repair is a professional services company. We do not sell or ship physical products. There are no product returns, exchanges, restocking fees, or shipping charges associated with our services. All services are delivered electronically or via postal mail (for dispute correspondence to credit bureaus and creditors).

11. Contact Us About Billing or Refunds

Speedy Credit Repair Inc.
117 Main St #202, Huntington Beach, CA 92648
Phone: 1-888-724-7344
Billing: billing@speedycreditrepair.com
General: support@speedycreditrepair.com