(833)-433-4863 support@editmy.credit

Refund Policy

Last Updated on 08/09/2017.

We will continue to dispute all Negative Items until every  one is eliminated or they are no longer relevant or required to be removed by the Client. If the Negative Items are not removed by our first round of challenges, we will dispute them to all channels and repeatedly until they are removed, or for 12 Months, whichever comes first.



By using your Credit Card or Bank Account, via PayPal or otherwise, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer or Bank until you have sequentially completed the three step process below:

First: Attempt first to settle the dispute by online mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. This can be done here: https://apps.adr.org/webfile/
Second: Submit a claim to be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by a single arbitrator may be entered in any court having jurisdiction thereof. This can be done here: https://www.adr.org/webfile/faces/home
Third: File a claim against our Surety Bond.

If you initiate a Dispute/Chargeback and/or Surety Bond Claim without sequentially completing the three step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and/or Surety Bonding Relationship and that 200% of the Full Amount of the Disputed Transaction(s) will become immediately due and payable to us as Liquidated Damages. If you then fail to pay the Liquidated Damages owed within 14 Calendar Days, your Account will be turned over to Collections and immediately reported to all 3 Credit Bureaus as a Collection Account.

If you finance part of the purchase price, there is a $20 NSF Fee per failed Bank Account Debit. Failed Debits will be automatically added to your Balance together with NSF Fees, which will result in an automatic re-calculation of your Debit Amounts. Should your Account go past-due for more than 30 Days, then the full amount due will be sent to Collections on all 3 Credit Bureaus.

Work on your File will start once we receive your Driver’s License, Social Security Card, Utility Bill, and Credit Monitoring Login. Please email these items to support@editmy.credit. You understand that there shall be no Refunds nor Partial Credits due to your delay in providing these items.