Our service is backed by a refund policy which entitles you to some or all of your money back if enough disputed items are not removed. Put simply, we don’t believe you should have to pay for ineffective service. Here's how the refund policy works.

After you have been a client for 12 months, if you feel ambivalent about the success of our service you can request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid (minus $99 set-up fee) exceeds the value of deleted items we will reimburse you the difference.

To determine the total value of our service we count the number of items we successfully improved or deleted from your credit report and multiply that by $100 per item. This does not mean that we will charge $100 in addition to our regular fees. Rather, we use the value of $100 per deleted item to determine if we created spectacular value for you (or not.)

The refund policy is perhaps best communicated by example.
 

EXAMPLE 1
Imagine that after 12 months we have deleted only 2 items from your credit reports. You started with 20 negative items, 18 of which remain. Your refund would be computed as follows:
Your cost for 12 months:	$659.45 (11 months @ $59.95/ea)
Value of services rendered:	$299.00 (2 deletions @ $100.00/ea + $99 Set-up)
Amount you owe:	$0
Amount you get back:	$360.45

EXAMPLE 2
Now imagine that after 12 months we have successfully removed 18 of the 20 negative items on your credit reports. Your refund would be computed as follows:
Your cost for 12 months:	$659.45 (11 months @ $59.95/ea)
Value of services rendered:	$1899.00 (18 deletions @ $100.00/ea + $99 Set-up)
Amount you owe:	$0
Amount you get back:	$0

While the first example shows results which are lower than those seen by our average participating client (i.e., average results may yield much better dispute-to-removal ratios) it is a good example of how the refund policy works. Please note that when our results exceed the value as computed above, you will not owe more money. The value calculation is intended to reassure you that The Credit Doctors, LLC has a stake in
helping you achieve a high level of satisfaction.