You should see some of your questionable negative items deleted within the first 90 period of your credit repair process, but if you do not see any derogatory items deleted from your credit in 90 days, you will be entitled to a full refund.   To apply for a refund please contact KO Credit and speak with a service specialist by phone. The KO Credit money back guarantee will be strictly subject to you complying with the following terms and conditions:

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• That you do not create or cause any new derogatory tradelines to be added to your credit report after your participation in the applicable program begins.

• You make all payments due and owed to KO Credit per this agreement in a timely manner.

• You mail, fax, or email KO Credit all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.

• You mail, fax or email to KO Credit proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.

• You agree to give KO Credit thirty (“30”) days from the date you have requested a refund to allow KO Credit adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.

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Refunds are limited to payments made for 90 days of service only. (Example: If client is in service for 180 days, with no change made to their history, they can request a refund, but that refund will be limited to 90 days of service).