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General Refund Policy

SmartCred offers refunds under the following conditions:

  • Service Not Rendered: If a purchased service was not delivered within the agreed timeframe and the delay is solely due to SmartCred, clients are eligible for a full refund.

  • Technical Issues: If a client experiences a system failure preventing access to services and SmartCred is unable to resolve the issue within 7 business days, a full or prorated refund will be issued.

  • Duplicate Charges: If a client is accidentally charged twice for the same service, we will issue a full refund for the duplicate transaction upon verification.

Non-Refundable Services

The following services are non-refundable due to the nature of our business and the resources required for processing:

  • Completed Credit Disputes & Analysis Reports: Once a dispute is submitted or a credit analysis report is generated, the service is considered delivered and is non-refundable.

  • Authorized User Tradelines: Due to third-party agreements, once a tradeline is purchased and processed, it is non-refundable.

  • Subscription Fees: Monthly membership fees are non-refundable once the billing cycle has started. Clients may cancel anytime before the next billing date to avoid further charges.

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Refunds are only processed for extreme circumstances.

Dispute Processing

  • Client does not qualify for refund if they see improvement to their scores. If after 90 days and the client does not see improvement to their scores they qualify for a refund. (Refunds are cannot not determined based on particular item removal - as we do not guarantee every item’s removal in a set period of time.

  • We will also work with you until you see an improvement on your client’s scores.

Tradeline Orders

  • All tradeline orders are guaranteed.

  • If a tradeline does not post to 2 or more out of the 3 credit bureaus, the client will qualify for a refund for that tradeline.

  • If a tradeline does not post to one of the 3 credit bureaus, the client does not qualify for everyone.

Refund Request Process

  • To request a refund, clients must follow these steps:

  • Submit a Refund Request: Email [support@smartcred.co] with the subject line "Refund Request – [Service Name]" and provide:

  • Full Name

  • Service Purchased

  • Reason for Refund Request

  • Supporting Documentation (if applicable)

  • Processing Time: Refund requests will be reviewed within 7 business days of submission.

  • Approval & Issuance: If approved, refunds will be issued to the original payment method within 5-10 business days.

Cancellation Policy

  • Membership Plans: Clients can cancel their membership anytime through their account dashboard. Cancellation takes effect at the end of the current billing cycle, and no partial refunds will be provided.

  • One-Time Services: Once a credit repair or enhancement service is initiated, cancellation is not possible.

Chargeback & Dispute Policy

  • If a chargeback or payment dispute is filed with a bank or payment provider before contacting SmartCred for resolution, we reserve the right to contest the dispute and revoke access to services.

  • Clients should always reach out to [support@smartcred.co] before initiating a chargeback.

Exceptional Circumstances

  • SmartCred may offer partial refunds or service credits at our discretion in cases of extreme hardship, unexpected changes in credit reporting policies, or other valid circumstances.

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