120 day money back guarantee: You are entitled to a 100% refund on all monthly payments if: We do not remove ANY negatives worked on. You have had 120 days (4 consecutive months) from the time that you retain our services. You have not used a credit consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services. You have had no new collections, inquiries or missed payments during the time frame we are assisting you. You have maintained credit monitoring services at all times during the time frame we are assisting you and have not changed your user name or password; or provided an update within 3 days of change.