This Credit America Refund Policy Agreement (“Refund Policy”) is between you and Credit America, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“Credit America,” “we” or “us”), with a principal place of business at 3960 Howard Hughes Pkwy, 5th Fl, Las Vegas, NV 89169. Notwithstanding any language in the Refund Policy to the contrary, the Refund Policy has the same effect as an agreement in writing and governs your use of this site and its content (the “Website”), your engagement of Credit America’s services, your request that Credit America contact you about its credit repair services, your participation in Credit America’s Text Message Program, and/or your engagement in Credit America’s services. Credit America’s “Text Message Program” includes sending text message(s) to Credit America and/or receiving text message(s) from Credit America. The Refund Policy applies where applicable in all Credit America master agreements.

BY USING THE WEBSITE, ENGAGING CREDIT AMERICA’S SERVICES, REQUESTING THAT CREDIT AMERICA CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDIT AMERICA’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE REFUND POLICY.

Credit America’s Refund Policy (“Refund Policy”) stipulates explicitly that a full refund (“Full Refund”) of any and all payments, including any fees associated with any and all payments, is applicable when and where no updates or changes have occurred to any negative or otherwise inaccurate information on, at a minimum, one of the consumer’s credit files with any of the three primary credit reporting agencies (Experian, TransUnion, and Equifax: “Primary CRAs”). The Refund Policy stipulates explicitly that a full refund where applicable under the Refund Policy will not be issued automatically; the refund may be requested by the consumer within 365 days of engaging Credit America’s services. Upon manual review of the consumer’s internal files with Credit America and the consumer’s credit files with the Primary CRAs, the Full Refund will be processed if applicable under the Refund Policy. Credit America holds no responsibility for any and all additional payments, including any fees associated with any and all additional payments, made to third party companies in conjunction with Credit America’s services. 

Credit America’s Refund Policy applies to your use of Credit America’s website, all services provided by us, your request that Credit America contact you about its credit repair services, and/or your participation in Credit America’s Text Message Program, and its terms are made a part of the Refund Policy. By using Credit America’s website, engaging our services, requesting that Credit America contact you about its credit repair services, and/or participating in Credit America’s Text Message Program, you acknowledge you have reviewed Credit America’s Refund Policy and agree to its terms.