Refund Policy

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At Vigor Financial Credit Academy, we not only respect our consultants' time but our clients' time and value their customer satisfaction. By law, we cannot agree to make any kind of promise or guarantee of outcome, score increases or timing of credit repair services. Your services are not only based off of our actions, but they are based off of the actions of the credit bureaus, the creditors and furnishers and the client's.  

Understand that it takes no less than 2 months to see a change in your credit report for the dispute process. The bureaus can take up to 45 days to respond to each dispute for their investigation. After each dispute correspondence, we continue to send different letters based off the correspondence from the bureaus, furnishers and creditors.  If you would like a refund, you can request a full refund for up to 60 days after signing the Vigor Financial Credit Academy  contract agreement ONLY if you have not seen a change in your credit profile within the first 60 days of signing your contract agreement.

You may cancel the contract agreement, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel our contract, email, mail or deliver a signed, dated copy of a cancellation notice, or any other written notice to Vigor Financial Credit Academy, 1629 K St. NW, Suite 300, Washington, DC 20006, before midnight on the 3rd day which begins after the date you have signed this contract stating ''I hereby cancel this transaction, (date) (purchaser’s signature).’’ Due to our company policy and our merchant company's fees, you will need to be sure to adequately cancel your agreement due to the nature of the third party's agreement for automatic bank withdrawls. 

If clients have NOT seen a change in their credit file based off the work that Vigor Financial Credit Academy executed, Clients may request a refund of up to 100% if they believe that Vigor Financial Credit Academy did not complete the obligations as defined in our Terms & Conditions or the client's signed agreement. 

A refund may be possible to the client if all of the following conditions exist:

• If Vigor Financial Credit Academy DID NOT inform the client and note in the client agreement that credit repair can actually cause scores to drop. 
• Client has been current on all payments, without ANY non-sufficient funds.
• Client was never late on any current tradelines (i.e. loans or credit cards) and always paid the minimum balance due on tradelines after beginning service with Vigor Financial Credit Academy. 
• Client must be current on all payments to Vigor Financial Credit Academy, LLC
• Client has followed all directions provided by Vigor Financial Credit Academy's financial advisor/credit consultant.
• Client has NOT opened any new lines of credit after beginning services with Vigor Financial Credit Academy.

To receive up to a full refund from Vigor Financial Credit Academy, LLC, the client must request a refund in writing. After determination of compliance of the client is met, a refund may be issued. Please allow up to 7-10 business days for a refund. 

Note: If you decide to encourage your bank to launch a fraud investigation for a refund, you are subjected to a financial fraud investigation.