If your credit score has not gone up, Auto and AutoMax include a 100% money-back guarantee when you meet every condition below.
To qualify, you must meet every condition. Missing one means the request does not qualify.
Six months on Auto or AutoMax
You have been subscribed, without a break, for at least six months on Auto or AutoMax. DIY does not qualify. A canceled, lapsed, or paused subscription does not count. A chargeback on any payment during that time ends eligibility.
The dispute rounds went out
You let the plan send its dispute rounds during those six months. Pausing automatic follow-up, or declining to deploy a prepared round, ends eligibility.
Utilization at 10% or less
On the credit report we use for the request, your total revolving utilization is 10% or less across all revolving accounts.
No new late payments
No late payment has been added to your credit report since you subscribed.
No new derogatory accounts
No new derogatory account has been added to your credit report since you subscribed.
No new accounts near the request
No new account has been opened in the four months before you submit the request.
Your score has not gone up
None of your Equifax, Experian, or TransUnion scores on a report ordered through 850ai is higher than it was on the first 850ai report after this Auto or AutoMax subscription started. A score from another app or website is not used.
You are the account holder
The request comes from the person who subscribed. It cannot be transferred, and we may ask you to confirm your identity.
100% of the Auto or AutoMax subscription fees you paid us for that continuous period. Tradelines, token packs, and other separate purchases are not included. If Apple or Google already refunded a payment, we do not refund it again.
Email support@my850.ai with the subject “100% Money-Back Guarantee.” Send it while your Auto or AutoMax subscription is still active, on or after the day you complete six continuous months, and no later than 30 days after that subscription ends. We confirm we received a complete request within 30 days and send a decision within 60 days after that. A request that misses a condition, or that relies on a report we did not order, is declined.
This refund is not a promise that a score will rise or that an item will be removed. Dispute outcomes are decided by the credit bureaus and the companies that report to them.
You can cancel credit-repair services for any reason before midnight of the third business day after you accept the terms, with no penalty. That right does not depend on the guarantee conditions above. It is in Section 17 of the Terms, with the Notice of Cancellation.
A plan paid on my850.ai is month to month. Cancel it in your account billing settings. Access continues through the end of the period you already paid. After the 3-business-day window, we do not refund that current period unless you qualify for the 100% money-back guarantee above.
A plan bought in the iPhone app or the Android app is charged by Apple or Google. Turn off renewal in your Apple ID subscriptions or Google Play subscriptions, at least 24 hours before the period ends. We cannot cancel a store subscription from the website. If you cancel within the 3 business days, ask Apple at reportaproblem.apple.com, or Google Play from your order history, for a refund. If the store declines, or you would rather not ask it, email support@my850.ai and we refund you directly. After the 3 business days, Apple or Google decides any other refund. A request that qualifies for the 100% money-back guarantee is refunded by us if the store does not.
The full cancellation terms are in Section 17 of the Terms of Service. Questions: support@my850.ai. Zilac Development (d/b/a 850 Boost Club / 850AI).