Refund Policy

Last updated: June 30, 2026

This Refund Policy explains how refunds are handled for CredX educational products and dispute assistance services. CredX is operated by The Malloy Group Financial LLC d/b/a CredX.

1. Free Credit Analysis

The initial credit analysis is provided at no cost and with no obligation. No payment information is required to receive your analysis.

2. 5-Day Masterclass (Educational Product)

The 5-Day Masterclass is a digital educational product. Because access is delivered immediately, refunds are evaluated on a case-by-case basis within seven (7) calendar days of purchase. Refund eligibility depends on the amount of content accessed and whether the purchase was made during a promotional free-access window. To request a refund, email contact@credxme.com with your order details.

3. Dispute Assistance Support Services (Essential, Premium, Family Plans)

Setup and monthly service fees are billed only after work is performed, consistent with the Credit Repair Organizations Act (CROA). Because fees are tied to delivered work, refunds are handled as follows:

• Three-business-day cancellation. You may cancel your signed Service Agreement without penalty or obligation until midnight of the third business day after signing. Any fees paid within that window will be refunded in full.
• After the cancellation window. Fees for work already performed are generally not refundable. If you believe a billing error occurred, contact us within thirty (30) days of the charge.
• Subscription billing. Monthly fees are billed after each month’s work. You may cancel anytime; cancellation stops future billing but does not refund the current period’s fee if work has already been performed.

4. How to Request a Refund or Cancellation

Email contact@credxme.com with your full name, email address, and the date of the charge. We aim to respond within two (2) business days.

5. Processing Time

Approved refunds are typically processed within five (5) to ten (10) business days, depending on your payment processor or card issuer.

6. Questions

If you have questions about this policy, contact us at contact@credxme.com or by mail at The Malloy Group Financial LLC, 1392 Madison Avenue, New York, NY 10029.