Our refund rules, stated plainly.

You may request a refund within 24 hours of the payment, and only if you haven't used any of its credits — meaning no credit report analyses run and no dispute letters generated on your paid plan since that payment. If both conditions hold, we refund the payment in full.

After 24 hours from the payment, or once any credit from it has been used, the payment is non-refundable — no exceptions.

The Free plan costs nothing and requires no card, so there is nothing to refund. If you cancel a paid plan, your account simply returns to the Free plan at the end of the billing period you have already paid for — your letters and history stay in your account within Free-plan limits.

The same 24-hour, unused-credits rule applies to every charge, including automatic renewals. If a renewal charge hits and you haven't used anything since it, you have 24 hours from that charge to request a refund. Miss the window and the charge stands. You can turn off auto-renewal any time in Settings, under Billing, and receipts so a renewal never happens in the first place.

• More than 24 hours have passed since the payment.
• Any credit from the payment has been used — a report analysis run or a dispute letter generated.
• Accounts suspended or terminated for violations of our terms of service.
• Charges where there is evidence of fraud, refund abuse, or other manipulative behavior.

Refunds are issued through our payment provider, the merchant of record for your purchase. The refund goes back to your original payment method, and you will receive a confirmation email when it is initiated.

Processing times:

• We initiate the refund within 2 business days of your approved request.
• Funds appear on your statement within 5–10 business days depending on your financial institution.

We ask that you contact us before initiating a chargeback with your bank. Chargebacks create additional work for both parties and may result in your account being suspended. We are committed to resolving billing issues quickly and fairly — email us at support@creditdisputeco.com.

Email support@creditdisputeco.com with:

• The subject line “Refund Request”.
• The email address associated with your CreditDisputeCo account.
• The approximate date and time of the charge.

We will confirm receipt within 1 business day. Eligible refunds are processed within 2 business days of approval.

For billing and refund inquiries: support@creditdisputeco.com.