Why a 90‑day guarantee?
Because it’s the right thing to do. If we can’t get your accounts reported within the guarantee period, we refund your enrollment fee and any monthly membership fees you’ve paid.
What it covers.
- We can’t confirm your identity or address history
- Your landlord or property manager won’t help verify your rent. It’s rare: about 95% of landlords are happy to help
- You’re not satisfied with your credit score increase. We’ll do a free review with a credit expert to figure out why
What it doesn’t.
You won’t qualify for a refund if you try to report:
- Past addresses where you no longer live
- Subleases, meaning rent paid to anyone who doesn’t own or manage the property
- Properties that you or your business own
- Business or commercial property rent
- CPNs (credit privacy numbers), which are illegal
Not seeing an impact? Let’s figure out why.
A free review of your credit with a credit expert. No selling, just serving our members.
Talk to a credit expertThe fine print, in full
The exact terms of the guarantee, cancellations and refunds are in our terms of service.
Read the refund policy