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Billing and Payments

How often will I be billed?

Upon enrollment, you'll incur a discounted First Work Fee - covering the costs of obtaining your credit report, setting up your account with a Credit Specialist, and initiating the preliminary analysis, strategic planning, and creation of the initial credit repair correspondence. Following this, you'll be billed at the standard rate every 30 days, less any discounts. This regular billing cycle ensures that our team continuously works on your case, providing consistent and dedicated services to a...

What payment methods do you accept?

We accept all major credit or debit cards including, Visa, Mastercard, American Express, and Discover.

What will the payment look like on my statement?

When a payment is made with us, you can expect it to reflect on your debit/credit card statement or ACH account as 'SMART DISPUTE NEW YORK NY.' Typically, the charge will appear within 1-3 business days, depending on your financial institution. Please keep an eye on your statement to ensure that the payment has been processed correctly. If you notice any discrepancies or have questions about a charge, our [Client Support](https://www.smartdispute.com/contact) team is here to help. Don't hesitat...

Will I be charged a late fee?

We do not charge late fees; however, timely payments are essential. If payment is not received by the due date, your account may be suspended or canceled. In cases where your card is declined due to insufficient funds or hasn't been updated before we process the charge, your account will be marked as late. If you anticipate any difficulty in making a payment on time, please contact our [Client Support](https://www.smartdispute.com/contact) team as soon as possible. We're here to work with you t...

I was charged after cancellation.

When canceling Smart Dispute’s services, please note that our billing operates similarly to a mobile phone bill. If you choose to cancel in the middle of a billing cycle, you may still be charged for services provided from your last payment up until the cancellation date. For instance, if your billing date is the first of the month and you cancel on the 15th, you may be billed for the portion of the month during which services were rendered. This charge could appear either on the day you cancel...

Can I request a refund?

Yes, you can request a refund within 3 days of signing up for our credit repair service. After this period, refunds are not available for services that have already been provided. However, we encourage you to explore our [Money-Back Guarantee](https://help.smartdispute.com/709392-What-is-your-Money-Back-Guarantee), which is designed to ensure your satisfaction and protect your investment. If you have any questions or need further assistance, please don't hesitate to reach out to our [Client Sup...

Can I cancel my service at anytime?

Absolutely! We don’t lock you into a contract, so you have the freedom to cancel your service whenever you choose. Our goal is to support your financial journey, so if you feel our services are no longer needed, just reach out to us. To cancel, simply contact our [Client Support](https://www.smartdispute.com/contact) team, and we'll take care of the rest. If you have any concerns or questions, we’re here to help. You may also want to explore our [Money-Back Guarantee](https://help.smartdispute...