Refund Policy

RALEIGH LEGAL GROUP LIMITED REFUND POLICY:

From both a practical and a legal perspective, we cannot guarantee any specific result for you. In particular, as a law office we are prohibited by the Rules of Professional Conduct of the State Bar of California from making any guarantee. Additionally, while removing derogatory information from your credit report will, by itself, increase your FICO® score, other factors beyond our control may nevertheless cause it to decrease at the same time we are removing derogatory information. For example, you may open new lines of credit, have a large number of inquiries for whatever reason, or incur new delinquent activity. Therefore, we do not in any way warrant or guarantee that we will be able to increase your FICO® score.

Instead, we have a simple and straightforward refund policy. It provides that with regard to each derogatory, erroneous, or incorrect item that we have contracted with you to have deleted from your credit reports, if we are not able to achieve a favorable result from two out of the three credit bureaus for that item (which improves your mid-score), we will give you a refund. The amount of the refund will be 75% of the fee for that particular line item. Said another way, obtaining a favorable result from only one of the three bureaus will not beneficially impact your credit score, and even though we cannot and do not offer a "guarantee," we voluntarily choose to give you a 75% refund of the charges for that specific line item. We will always earn and retain 25% of the fee for each line item as our processing/administrative fee.

There are two important qualifications to our refund policy. First, if our failure to obtain a favorable result from the credit bureaus is caused by either (a) the information you provided conflicts with information obtained from the creditor, and the creditor's information is verified as factual (i.e. change of address, amount of late times, etc.), or (b) we negotiate a settlement of your claim with the creditor to get it removed from your report, but you fail to pay the agreed-upon settlement amount, then you will not receive a refund.

Second, in order to qualify for a refund, you must submit to us copies of your final credit reports from all three major bureaus within 90 days of our completion of our services for you. You understand that it often takes several cycles of submissions either to your creditors or to the bureaus, each of which generally takes 30-45 days fully to complete. If we have been unsuccessful in removing one or more items for which you contracted with us to get deleted and you notify us of your desire for a refund, we reserve the right to perform up to three more cycles of submissions on your behalf before you qualify for a refund. Simply stated: we get a chance to fix the problem, because we know you want your problem fixed, not a refund!

In each case, when we notify you that a submission has been made to the bureaus, in order to continue to qualify for a refund you must timely (within 90-days) forward to us the updated credit reports that will be sent to you by each bureau to continue to qualify for a refund. We require this because the only way that we can determine if the item has been deleted from your credit report is to view the report that will be sent directly to you. You do not qualify for a refund without timely furnishing us with a copy of these reports that show we failed to remove or favorably amend the item.

Refund checks are mailed out on the 15th of the month.