Our Service Plans at a Glance

All plans: Optional à la carte services 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

Professional & VIP Concierge Plans (6-Month Commitment): These plans require a 6-month service commitment. Early cancellation is not permitted after the rescission period closes. Resolution of specific derogatory items prior to the end of the commitment period does not constitute completion of services - the full 6-month period 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 the 6-month commitment, service does not automatically renew. You must actively choose to continue. If you choose to continue as a returning client, a new 6-month agreement applies - see Section 3 (Returning Client Policy) for the specific terms that apply to you, which differ from new client terms.

Essentials Plan (Month-to-Month): The Essentials plan is a month-to-month agreement. After the rescission period has passed, you may cancel by submitting a written cancellation request at least 30 days before your next billing date. Cancellation requests received less than 30 days before the next billing date will take effect the following billing cycle. Any outstanding à la carte items completed before cancellation are non-refundable.

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 Client Policy

Who qualifies as a returning client: The returning client policy applies exclusively to clients who were previously enrolled in a Professional or VIP Concierge plan and who re-enroll within one month of their previous service end date. Consecutive or near-consecutive re-enrollment demonstrates an active, ongoing commitment to the credit repair process, which is why this flexibility benefit exists. Clients who have been out of service for more than one month, or clients re-enrolling from the Essentials plan only, do not qualify for the returning client early exit benefit and are treated as new clients under standard 6-month commitment terms.

Returning client early exit terms:

• A new 6-month service commitment is required - the same as for new clients.
• The mandatory 5-business-day rescission period applies to all new agreements, including returning client agreements.
• After month 3 of the new agreement has been completed and paid in full, a returning client may submit a written cancellation request.
• The account must be paid current with no outstanding balances at the time the cancellation request is submitted. Requests submitted while any balance is outstanding will not be processed until the account is brought current.
• Cancellation takes effect at the end of the current billing period following the 30-day written notice period.
• Months 1 through 3 of the commitment are non-cancellable after the rescission period. The early exit option applies only after month 3 is complete and paid.
• All à la carte services delivered prior to cancellation are non-refundable.

Why we offer this benefit: At Speedy Credit Repair, we understand that returning clients already know our process and have experienced our service firsthand. The 6-month commitment exists because credit profile development is a process - the most impactful work often happens in months 4 through 6 as the credit profile stabilizes, optimizes, and new credit strategies take effect. However, we recognize that returning clients may have more targeted, shorter-term goals on their second engagement, and we honor that relationship with appropriate flexibility.

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.

First Work Strategy Fee (Essentials Plan only): This is a one-time fee charged upon delivery of your personalized written credit strategy package. This package is prepared specifically for your credit file after your contract is signed and the rescission period has closed. It includes your personalized dispute sequence plan, customized DIY dispute letter templates, credit score trajectory projection, and written financial education guide tailored to your profile. The fee is billed only after this complete package has been delivered to you - not at the time of signing.

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.
• First Work Strategy Fee (Essentials Plan) - your personalized written credit strategy package has been researched, prepared, and delivered.
• 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. Service Pauses

Speedy Credit Repair may, at its sole discretion, grant a temporary service pause to clients experiencing financial hardship or extenuating personal circumstances. Service pauses are not guaranteed and are evaluated on a case-by-case basis.

Eligibility: Your account must be paid in full and in good standing with no outstanding balances. If granted, service pauses may be approved for up to 60 days. An approved pause does not extend or reset your initial service commitment period. To request a pause, contact us at support@speedycreditrepair.com or 1-888-724-7344.

9. Credit Monitoring (IDIQ) - Separate Service

Credit monitoring through IdentityIQ® (IDIQ) is a separate service with its own billing and cancellation policy. 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.

IDIQ Post-Service Monitoring Window: Regardless of plan type, your IDIQ credit monitoring subscription should remain active for at least 45 days after your service contract end date. 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. Official Policy Statement

The following is the official policy statement as submitted to our merchant processing partner in compliance with federal and California law:

12. 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