Refund Policy
Top Shelf Credit Repair | Effective Date: May 1, 2026
Last Updated: May 1, 2026
Top Shelf Credit Repair is committed to providing exceptional service and transparent business practices. This Refund Policy explains under what circumstances refunds are issued and how the refund process works.
3-Day Cancellation Refund (Federal Guarantee)
FULL REFUND GUARANTEED — 3-DAY WINDOW:
As required by the Credit Repair Organizations Act (CROA), if you cancel your service agreement within 3 business days of signing, you are entitled to a FULL REFUND of all fees paid. No questions asked. No deductions.
Refunds under this provision will be processed within 10 business days of receiving your written cancellation notice.
Monthly Credit Repair Service Refunds
Eligible for Refund:
- Cancellation within the 3-day federal window — 100% refund of all fees paid
- Service not yet started — if you have paid but our team has not yet begun work on your file, a full refund may be issued upon request
- Duplicate charge — if you were charged more than once for the same billing period due to a system error, the duplicate amount will be refunded in full
- Unauthorized charge — if a charge was made to your payment method without your authorization, please contact us immediately for investigation and refund
Not Eligible for Refund:
- Monthly fees for billing periods already in progress where services have been rendered
- Months where dispute letters were submitted, credit bureau communications were handled, or coaching sessions were delivered
- Fees for periods where you did not forward bureau correspondence, which prevented us from completing work on your behalf
- Dissatisfaction with credit score results, as outcomes cannot be guaranteed and vary by individual
Tradeline Service Refunds
Tradeline services are subject to the following refund terms:
- Full Refund: If you cancel before the tradeline has been placed on any credit bureau report, you are eligible for a full refund
- Partial Refund: If the tradeline has posted to one bureau but not others, we may issue a partial refund at our discretion
- No Refund: Once the tradeline has posted to your credit report(s) and the posting period has begun, the service is considered fully rendered and no refund will be issued
Tradeline Failure: If a tradeline we guaranteed to post fails to post to any bureau after the reporting cycle, we will offer either a replacement tradeline of equal value or a full refund
Refund Process
To request a refund:
- Step 1: Contact Top Shelf Credit Repair through our website contact form at topshelfcreditrepair.com
- Step 2: Provide your full name, account email, date of charge, amount, and reason for the refund request
- Step 3: Our team will review your request within 3 business days and respond with a decision
Step 4: Approved refunds will be processed back to your original payment method
Refund Timeline
Refund Type | Processing Time |
3-Day federal cancellation refund | Within 10 business days of cancellation notice |
Duplicate or unauthorized charge | Within 5-7 business days of investigation completion |
Pre-service refund (work not started) | Within 7-10 business days of approval |
Tradeline failure replacement | Replacement placed within 30 days, or refund in 10 days |
Credit/debit card refunds | May take an additional 3-5 business days to appear on statement |
Chargebacks & Disputes
We strongly encourage you to contact us directly before initiating a chargeback through your bank or credit card company. Most issues can be resolved quickly through direct communication. Initiating a chargeback without first contacting us may result in:
- Suspension of your account pending investigation
- Referral to collections if the chargeback is found to be invalid
- Permanent termination of your ability to use our services
If you believe a charge is incorrect, please email us immediately so we can investigate and resolve the issue promptly.
Exceptions & Special Circumstances
Top Shelf Credit Repair reserves the right to make refund determinations on a case-by-case basis in situations not explicitly covered by this policy. We are committed to fairness and will always act in good faith when evaluating refund requests.
If you have a concern that is not addressed in this policy, please reach out to us directly. We want to ensure every client is treated with integrity and respect.
Contact Us
Top Shelf Credit Repair
Website: topshelfcreditrepair.com
To request a refund, please contact us through our website contact form.
Include your full name, account email, and details of your refund request.
Our team responds within 1-3 business days.
