Refund policy

Client Policy & Disclaimer – Done-For-You Services and Digital Products

Thank you for choosing our The Credit Cartel. Please review the following important information regarding your purchase of our Done-For-You credit services and any associated digital products.

1. Fair Credit Reporting Act (FCRA) Compliance

Our services are designed to assist you in disputing inaccurate, outdated, or unverifiable information on your credit report in full compliance with the Fair Credit Reporting Act (FCRA). As part of this process, accounts on your credit report may be updated, corrected, or deleted in accordance with FCRA standards.

⚠️ Please note: We do not control the credit bureaus or data furnishers, and cannot guarantee any specific outcome. All results vary based on individual credit profiles.

2. No Guaranteed Results

While we provide professional, personalized service, we cannot and do not guarantee results, including credit score increases, deletions, or response times from credit bureaus. Every individual's credit situation is different, and the effectiveness of our services will vary accordingly.

✅ We advocate on your behalf, but final decisions rest with the credit reporting agencies.

3. No Long-Term Commitment Required

You are not required to commit to a specific number of months for our services. You may continue as a client for as long or as little as you choose, depending on your personal needs and progress.

⛔ Cancellation requests must be submitted before your next billing cycle to avoid additional charges.

4. Digital Product Policy

If your service or purchase includes digital products (such as dispute letter templates, educational guides, or downloadable tools), please read the following terms:

-No physical product will be shipped.

-Files are available for instant download after purchase confirmation.

-Each product may only be downloaded once per purchase.

-We strongly recommend saving the downloaded file immediately to a secure device (computer, phone, or tablet).

-All digital product sales are final. No refunds, returns, or exchanges are permitted.

📥 By purchasing a digital product, you acknowledge that you are responsible for downloading and securely storing the file. Our company is not responsible for lost, misplaced, or deleted downloads.

5. Acknowledgment and Agreement

By purchasing our services and/or digital products, you agree to the terms outlined in this policy, including:

-Understanding that results are not guaranteed.

-Recognizing that digital products are non-refundable.

-Accepting full responsibility for downloading and saving your files.

-Acknowledging that services are FCRA-compliant, but outcomes depend on third-party agencies beyond our control.