Cancellation Policy

Last updated: September 7, 2026

You can cancel CredX subscriptions and optional support using the methods below. You do not need to buy another service or complete a consultation to submit a cancellation request. Applicable legal rights take priority.

1. CROA right to cancel

You may cancel a covered Service Agreement without penalty or obligation until midnight of the third business day after you sign. Any fees collected during this period will be refunded in full. Your agreement must include the applicable Notice of Cancellation; keep a copy of your notice and delivery record. This policy does not shorten any longer right under applicable law.

2. How to cancel

Email contact@credxme.com and identify the account and subscription or support you want to cancel. "Cancel Service" is a helpful subject, not a required phrase.
Mail or deliver a signed, dated notice to The Malloy Group Financial LLC d/b/a CredX, 1392 Madison Avenue, New York, NY 10029, following your agreement's cancellation notice.
If your account offers a cancellation control, you may use it; email remains available if that control is absent or unavailable.

You do not need to use a particular form if another written notice clearly states your intent. Staff processing or confirmation delays do not shorten your legal cancellation right. Contact 866-CREDX-ME for assistance, and retain written evidence of your request.

3. Renewal and support billing

Cancellation stops future renewals. Send your request before a disclosed renewal date to avoid the next renewal; contact us if a charge occurs despite a timely request. One-time purchases do not become recurring merely because you have an account. Cancellation is not consent to a termination fee.

Analysis and consultation before billing. For credit-related support, CredX completes the analysis and consultation/review with you before requesting payment. A signed agreement, the applicable cancellation period, and full performance of the specific service being billed are also required. Completing an initial consultation does not authorize advance charges for future credit-repair work. Calling a fee a software, setup, platform, or subscription fee does not remove protections that apply to the actual service.

Amounts for services already fully performed and lawfully chargeable may remain due outside the protected cancellation period, subject to your agreement and law. We do not bill unperformed future credit-repair work following cancellation. See the Refund Policy for refunds and billing errors.

4. Education and third-party subscriptions

The current Masterclass is a one-time educational purchase; refund requests follow its seven-calendar-day policy, without limiting legal rights. Separately purchased monitoring or other third-party subscriptions must be canceled with that provider. Canceling CredX does not automatically cancel them.

5. Account access and records

Paid features may end when the applicable entitlement ends. Separately purchased education access is handled under its terms. Cancellation does not automatically delete records. Request copies or deletion through contact@credxme.com; lawful retention requirements may apply. We do not promise continuing view-only access or a self-service export feature where it is not implemented.

6. Contact

The Malloy Group Financial LLC d/b/a CredX
1392 Madison Avenue, New York, NY 10029
Email: contact@credxme.com
Phone: 866-CREDX-ME