Refund Policy

How to Request a Refund

We have made the refund process as simple as possible. Here is what you need to do:

1. Email us at hello@credanchor.com with the subject line “Refund Request — [Your Name]”
2. Attach your previous credit report — the report from before the dispute was filed (the one we used during your audit)
3. Attach your new credit report — the updated report from after the dispute cycle was completed, showing the outcome
4. Include the dispute ID — the reference number we provided when the dispute was filed (you can find this in your audit report PDF or the email confirmation we sent when the dispute was submitted)

That's it. Once we receive these three items, we verify the dispute outcome and process your refund.

Refund Timeline

Refunds are processed within 48 hours of verifying the dispute outcome. The refund is credited back to your original payment method (UPI, bank transfer, or card via Razorpay). You will receive an email confirmation once the refund is initiated.

What Qualifies for a Refund

• The bureau rejected the dispute and the item remains on your report unchanged
• The bureau partially updated the item but the core negative status was not removed
• The dispute was escalated and still did not resolve in your favour

What Does Not Qualify

• The dispute resolved in your favour — the item was removed or corrected (the fee applies)
• You cancelled the dispute before it was filed (no charge was made, so no refund is needed)
• You filed a duplicate dispute with the same bureau for the same item while our dispute was active, and the bureau rejected it as frivolous

Cancellation

• Before a dispute is filed: No charge applies. Nothing to refund.
• After a dispute is filed, before resolution: The fee is held until the dispute resolves. If it resolves in your favour, the fee applies. If it does not, full refund.
• After resolution in your favour: The fee is non-refundable — the work was completed successfully.

To cancel, email hello@credanchor.com with the subject line “Cancel”.

Free Services

These are always free — no payment is taken, so no refund is needed:

• Initial consultation (15 minutes)
• Credit report audit
• Credit Score Building Guide (PDF)
• Debt consolidation consultation
• Score Simulator (on our Resources page)

Questions?

Email: hello@credanchor.com
WhatsApp: +91-8860554021
We respond within 24 hours.