Refund Policy
Last updated: August 27, 2026
This page explains exactly when Credit Phoenix charges you, what you can get back, and how to ask for it. It applies to every Credit Phoenix credit repair plan and works alongside our Terms of Service and the written service agreement you sign before any work begins.
The Short Version
You are never charged in full ahead of the work. Your balance is billed only once your first round of dispute letters is prepared and ready to send. If not a single item is removed within your plan's Deletion Guarantee window, Credit Phoenix refunds the program fees you paid us. There are no long-term contracts, and you can cancel at any time.
How Billing Works
Every plan begins with a first work fee. That fee covers your full three bureau analysis and the preparation of your first round of disputes. The remaining balance is not taken up front. It is billed only once your first round of dispute letters is prepared and ready to send. Clients are never charged in full ahead of work being done.
On a monthly plan, you pay the first work fee to start, then your monthly rate on your cycle date. If you cancel, the next month simply does not bill.
Program Pricing
These are the published prices a refund is calculated from:
- Starter, 4 rounds. Pay in full: $397 total, made up of a $149 first work fee plus a $248 balance. Monthly: $149 first work fee, then $99 per month.
- Pro, 4 rounds. Pay in full: $697 total, made up of a $249 first work fee plus a $448 balance. Monthly: $249 first work fee, then $199 per month.
- Phoenix Elite, 6 rounds. Pay in full only: $997 total, made up of a $299 first work fee plus a $698 balance.
Full plan details are on our pricing page.
Credit Monitoring Is Billed by a Third Party
Every plan also requires third party credit monitoring at $19.99 per month. Monitoring is how we pull your reports and track what changed each round, so we cannot work a file without it.
The $19.99 per month monitoring fee is not Credit Phoenix revenue. It is charged by the monitoring provider, not by us, and Credit Phoenix cannot refund it. To stop it, cancel directly with the monitoring provider. If you are not sure how to reach them, contact us and we will point you to the right place.
The Deletion Guarantee
Each plan carries a Deletion Guarantee window:
- Starter: 120 days
- Pro: 90 days
- Phoenix Elite: 90 days
If zero items are removed from your credit reports within that window, Credit Phoenix refunds the program fees you paid us.
The $19.99 per month credit monitoring charge is not part of a refund. It is billed by the monitoring provider, not by Credit Phoenix, as explained above.
This is a refund policy, not a promise of any particular credit outcome. Results vary based on individual credit profiles and are not guaranteed.
Cancellation
There are no long-term contracts. You may cancel at any time. On a monthly plan, the next month simply does not bill. Because you are billed as work is completed rather than in advance, cancelling means you have paid only for work that was actually performed.
Your Right to Cancel Within 3 Business Days
Under the Credit Repair Organizations Act (CROA), you may cancel your contract without penalty or obligation within 3 business days of signing, in writing. That right is yours regardless of anything else on this page. Before any work begins you also receive the written disclosures CROA requires, including the "Consumer Credit File Rights Under State and Federal Law" notice.
How to Request a Refund
Contact us directly. There is no form to hunt for and no queue to sit in.
- Email: [email protected]
- Phone: 786-741-7111
Please include the name and email address on your account so we can find your file. If you are exercising your 3 business day CROA cancellation right, send it in writing so the date is on record.
What Happens After You Request a Refund
We confirm that we received your request, review your account and the record of work performed on your file, then come back to you directly at the email address or phone number on your account. If anything is unclear about which fees apply, we will walk you through it in plain language rather than point you at fine print. Approved refunds are returned through the payment method used for the original charge.
What We Do Not Promise
No one can legally remove accurate, current, and verifiable information from a credit report, and no honest company will promise you a specific score increase, a specific deletion, or a specific timeline. We do not. What we promise is the work, and the written refund policy on this page if the work produces nothing. Results vary based on individual credit profiles and are not guaranteed.
Contact
Credit Phoenix
5830 E 2nd St Ste 7000, Casper, WY 82609
[email protected] · 786-741-7111
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