What is CreditRefresh's refund policy?
CreditRefresh is month-to-month with no contract, so the main way to control what you pay is to cancel before your next billing date, which stops the next charge. If you believe a charge was made in error, like being billed after you cancelled or a duplicate charge, email support@creditrefresh.ai from the address on your account and a human will review it.
How billing is structured
The RefreshMonitoring subscription is $49 a month, billed month-to-month with no contract. Billing starts at launch, so waitlist members are not charged during pre-launch. Because there is no long-term commitment, you are never locked into paying for months you don't want.
Cancelling stops the next charge
Cancel any time before your next billing date and the next charge simply doesn't happen. Cancellation ends new bureau pulls, while disputes already mailed keep running on their own 30-day clocks. See how to cancel your subscription for the details.
If you think a charge is wrong
If you were charged after cancelling, charged twice, or see a charge you don't recognize, email support@creditrefresh.ai from the email address on your account. Include the date and amount of the charge. Billing issues are reviewed by a human, not the AI agent, and we will work out what happened and make it right.
One honest note
A subscription month that has already run isn't tied to dispute outcomes. Bureau investigations run on federal timelines, and no one can guarantee a specific result in a given month. What we can promise is that billing errors get fixed and that cancelling always stops future charges.
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You can cancel CreditRefresh at any time, with no contracts and no cancellation penalty. Cancelling stops future billing, ends new bureau pulls, and closes the platform's ongoing access to your credit data. Your existing dispute history is retained under the Privacy Policy unless you request deletion. To cancel, email support@creditrefresh.ai.
Billing begins when CreditRefresh launches, not while you're on the waitlist. Waitlist members aren't charged during pre-launch — the $49 monthly RefreshMonitoring subscription only starts once your account goes live and you have access to the monitoring and dispute tools. It's month-to-month, so you can cancel anytime with no contract.
CreditRefresh requires a RefreshMonitoring subscription, which costs $49 a month. That one subscription bundles three-bureau credit monitoring with unlimited AI-generated dispute letters, so there is a single flat price rather than a base fee plus per-letter charges. It sits below the $79 to $149 a month traditional credit repair charges, with no setup fee, no contract, and cancel anytime.
You can update the card on file for your RefreshMonitoring subscription in your account billing settings. Changing your payment method keeps your subscription and dispute history intact — it only swaps which card is charged on your next billing date. If a payment didn't go through, updating to a working card and contacting support is the fastest way to restore access.