How does the money back guarantee work?
***ALL CONDITIONS LISTED BELOW MUST BE MET PRIOR TO ANY REFUND BEING ISSUED.***
***REFUND POLICY DOES NOT APPLY TO ANY FIRST WORK FEES PAID***
*You allowed 180 days from the start date of retaining our services.
*You cannot have any new collection accounts appear or any missed payments to any accounts during the repair/education process.
*You continuously maintained an Identity IQ or Smart Credit Credit Monitoring Service throughout the entire credit repair/education process.
*No new account opened without us being advised.
*No new evictions, tax liens, repossessions or bankruptcies posted to your credit file during the credit repair/education process.
*No credit cards on your credit file with more than 40% debt utilization.
*You had at least 5 negative accounts per bureau when you signed up for the credit repair service. ***Does Not Include Inquiries***
*You have not attempted to repair your own credit or used another credit agency at least one year previous to signing up.
*You've agreed and sent us all updated reports from all three bureaus within 7 days of receipt.
**updated reports usually arrive within 15-45 days. It is your responsibility as the client to notify us that you have received or not received updated reports from the credit bureaus.**
*This guarantee applies only to customers that signed up after 9/12/2020
Kredit MD performs one or more of the following services (known as "First Work") before you pay: Enters your personal data and one or more credit reports into its secure database; Provides you with a login to access the Kredit MD customer portal and grants access to financial tools; Collects information and instructions from you regarding your particular circumstances and how you wish to proceed; Analyzes your situation; and prepares and sends one or more communications on your behalf.
Subsequently, Kredit MD typically performs one or more of the following ongoing and periodic services as appropriate in its judgments and discretion: Receives and reviews Bureau and Furnisher correspondence sent to us directly by you; Monitors and analyzes your credit account status; Provides you with updates regarding your status; and prepares and sends one or more additional communications on your behalf.
FICO and "The score lenders use" are trademarks or registered trademarks of the Fair Issac Corporation in the United States and other countries.
© 2020, by Xennial Investments LLC All Rights Reserved.
J. Woodfin, Registered Agent, Xennial Investments LLC Dba Kredit MD 3410 La Sierra Ave Ste. F474 Riverside, CA 92503
Kredit MD (a subsidiary of Xennial Investments LLC)