You are entitled to a FULL refund, minus the audit fee if we do not remove any negatives we have worked on, you have had 180 days (6 consecutive months) from the time that you retain our services. This only applies if you have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services; you have had no new collections or missed payments during the time frame we are assisting you and you have maintained credit monitoring services at all times during the time frame we are assisting you. You also agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.