Last Updated December 2022
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 201 Main St, 6th Fl, Fort Worth, TX 76102. 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 and redirects (the “Website”), your engagement of Credit America’s services, your request that Credit America contact you about its credit services, your participation in Credit America’s Text Message Program, and/or your engagement in Credit America’s additional 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 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 payments, not including any fees associated with any and all payments with any third-party administrator and/or servicer, is applicable when and where no changes or modifications have occurred to any negative item of information 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 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 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.