Our Credit Repair Warranty
Our service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. Put simply, we don't believe you should have to pay for ineffective service. Here's how the warranty works.
How the Warranty 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 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 deleted from your credit report and multiply that by $50 per item. This does not mean that we will charge $50 in addition to our regular fees. Rather, we use the value of $50 per deleted item to determine if we created spectacular value for you (or not).
Warranty Examples
Example 1
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:
| Item | Amount |
|---|---|
| Your cost for 12 months | $460.00 ($75.00 initial + 11 months @ $35.00/ea) |
| Value of services rendered | $100.00 (2 deletions @ $50.00/ea) |
| Amount you owe | $0 |
| Amount you get back | $360.00 |
Example 2
After 12 months we have successfully removed 18 of the 20 negative items on your credit reports. Your refund would be computed as follows:
| Item | Amount |
|---|---|
| Your cost for 12 months | $460.00 ($75.00 initial + 11 months @ $35.00/ea) |
| Value of services rendered | $900.00 (18 deletions @ $50.00/ea) |
| Amount you owe | $0 |
| Amount you get back | $0 |
While the first example shows results which are lower than our average participating client (i.e., average results yield much better dispute-to-deletion ratios), it is a good example of how the warranty works. Please note that when our results exceed the warranty amount (and your expectations), you will not owe more money. The warranty evaluation is intended to reassure you that One On One Credit Repair has a stake in helping you achieve a high level of success.