Billing, Cancellation & Refund Policy

No upfront charges. Fairline Credit does not charge any fee, deposit, or setup cost when you sign up. In accordance with the Credit Repair Organizations Act (CROA), we never charge or receive payment for credit repair services before those services have been performed.

When billing begins. Your first charge occurs only after Fairline has performed services on your behalf — specifically, after your first dispute letter has been mailed and at least 30 days have passed since that mailing. You are billed monthly, in arrears, for the services performed during the preceding period.

What you pay. Fairline DIY is $49.99 per month (credit report analysis and dispute-letter generation, which you print and mail yourself). Fairline Mail is $89.99 per month (the same, plus certified mailing of your dispute letters handled for you). Each monthly charge corresponds to the credit monitoring, analysis, dispute preparation, and mailing services performed during the prior month.

Your 3-day right to cancel. You have the right to cancel your contract with Fairline Credit, for any reason, within 3 business days from the date you signed it, at no cost. If you cancel within this period, you will not be charged.

Cancel anytime. After the initial 3-day period, you may cancel your subscription at any time from your account dashboard or by contacting us at hello@fairlinecredit.com. Cancellation stops all future charges. You will not be billed for any service period beginning after your cancellation takes effect.

Refunds. Because each monthly charge is for services already performed during the preceding period, charges for completed service periods are non-refundable, except where a refund is required by applicable law. If you believe you were billed in error, contact us at hello@fairlinecredit.com and we will review your account promptly.

No guarantees. Fairline cannot and does not guarantee any specific credit score increase or the removal of any specific item from your credit report. Neither you nor any credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. Results depend on your individual credit profile and the responses of credit bureaus and furnishers.

Questions. For any billing, cancellation, or refund question, contact us at hello@fairlinecredit.com. See also your Consumer Credit File Rights and our Privacy & Security policy.