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 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- You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.