Single subscription. No upfront fees.
Federal law forbids charging for credit repair before services are performed. We comply — and we built the billing model around it from day one. One plan, billed monthly after service, cancellable in writing at any time.
CROA · Your right to cancel
You may cancel within three business days — no upfront fees.
Federal law gives you a no-questions-asked right to cancel within three business days of signing. Below is the notice you sign, in plain language — same text as the stand-alone CROA disclosures.
No upfront fees$0 to start. Billed monthly, in arrears, only after each month of service is delivered.
- You may cancel this agreement at any time before midnight on the third business day after the date you sign it.
- To cancel, send written notice by email or postal mail to our mailing address. Cancellation is effective on the date we receive your notice.
- We will refund any payment you have made within ten business days of receiving your notice of cancellation.
- You do not need to give a reason to cancel.
After the three-day window: you can still cancel at any time, in writing. Cancellation ends billing going forward — we do not prorate or continue charging after notice.
Read the full CROA right-to-cancel notice on the disclosures page, including the business mailing address and the contact path for written cancellation.
Scope of service
What the subscription covers — and what it doesn’t.
CROA requires a written, itemized disclosure of services before anything is signed. The list below is that disclosure: plain, non-promissory, and the same language we use in your signed agreement.
Included
- Free credit report review across all three bureaus
- Dispute letter generation grounded in FCRA §1681i
- Bureau tracking for sent, in-review, verified, and removed status
- Score monitoring with explainable deltas
- Goodwill and validation letter workflows on actionable tradelines
- Audit-ready case file of every letter, response, and timestamp
- Email support from a human reviewer
Not included
- Specific credit-score outcomes (CROA prohibits guarantees)
- Removal of accurate, verified records
- Mortgage, auto, or financial-product approvals
- Credit-building loans or tradelines
- Advice to misreport or stop paying creditors
This is the scope as published on this page and matches the itemized disclosure you sign at intake. Changes trigger a revised disclosure and re-signature before they take effect.
What the law requires — and what we exceed
Every pricing term is compliance-first.
$0 upfront
Federal law (CROA) prohibits charging before services begin.
Monthly in arrears
Your first bill arrives after your first month of service is delivered.
3-day right to cancel
You may cancel within three business days of signing for any reason.
Written agreement
A signed, itemized disclosure of services is required before any work starts.
Pricing FAQ
Still have questions?
Email us at credloom-2@polsia.app — intake reply within one business day.
Ready to start?
Start your file — no card required.
The intake walks you through the CROA disclosures and your three-day cancellation right before anything is signed. We reply within one business day.