Last updated: September 7, 2026
This policy covers CredX software access, education and optional support. Your accepted purchase and signed agreement identify what you bought. Statutory refund and cancellation rights take priority over this policy.
The initial analysis is offered at no cost and without obligation. CredX completes the analysis and consultation/review before billing for credit-related support. Reviewing an offer does not authorize a charge.
The current 5-Day Masterclass is a one-time educational purchase. You may request a refund within seven calendar days of purchase by emailing contact@credxme.com with your order details. Requests are evaluated case by case, including the amount of content accessed, completed or downloaded and evidence of abuse. This discretionary policy never excludes a refund required by law or remedies for an unauthorized, duplicate or incorrectly described charge. Buying education does not automatically enroll you in paid support.
Your order identifies whether a purchase is one-time or recurring. Canceling a recurring plan stops future renewals. Refunds for an already provided period depend on your accepted purchase terms and applicable law; contact us about missing access, duplicate charges, unauthorized renewals or billing errors. A software label does not permit advance collection for services covered by credit-repair laws.
You may cancel a covered Service Agreement without penalty or obligation until midnight of the third business day after signing. Any fees collected during that protected period will be refunded in full. No charge is permitted for unperformed services where applicable law prohibits it. Outside the protected period, a fee may be retained only for an agreed service fully performed and lawfully charged; a completed initial consultation does not make future dispute work earned.
Any credit-repair-related monthly fee must relate to fully performed services, not advance payment for a future month. Cancellation does not waive remedies for improper billing, misleading representations or other violations. We encourage reporting billing issues promptly, but an internal reporting preference does not shorten a statutory claim or payment-dispute deadline.
Email contact@credxme.com with your account email, charge date and reason. Do not send a full card number or Social Security number. We aim to acknowledge requests within two business days. A review is not a guarantee of approval; legal entitlements remain unaffected.
Approved refunds are generally submitted to the original payment method within five to ten business days, subject to any shorter legal requirement. Your issuer controls posting time. Separately purchased monitoring or credit-building products have their own provider refund process; contact us if you need help identifying the provider.
See the Cancellation Policy, Terms and CROA information.
The Malloy Group Financial LLC d/b/a CredX
1392 Madison Avenue, New York, NY 10029
Email: contact@credxme.com
Phone: 866-CREDX-ME