Apex Credit Group | 90-Day Money-Back Guarantee

At Apex Credit Group, our mission is to challenge and remove questionable negative information from your credit reports. While credit restoration is a strategic and methodical process—not an exact science, we stand firmly behind the quality of our work.

That’s why every client is protected by our 90-Day Money-Back Guarantee.

If you enroll in any Apex Credit Group program and no questionable negative items are removed from your credit report within 90 days, you are eligible to receive a full refund (subject to the terms and conditions below).

Please note: This guarantee does not promise a fully restored credit profile within 90 days, but you should see progress in the form of deletions, or you receive your money back.

To request a refund, contact your service specialist by phone so we can properly verify your identity.

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Terms & Conditions of the Apex 90-Day Guarantee

To qualify for a refund, all of the following conditions must be met:

1. Full 90-Day Participation Requirement

Refund eligibility begins after day 90 of active service.

Failure to pay, cancellation, or interruption of service during the first 90 days voids the guarantee.

2. No New Negative Accounts

You must not create or allow any new derogatory accounts or negative trade lines to appear on your credit reports after enrolling.

3. Timely Payments

All payments owed to Apex Credit Group must be made on time and in full.

4. Identity Verification Required

Within 5 days of your enrollment date, you must provide identity documents (driver’s license and Social Security card) via mail, fax, or email.

5. 30-Day Audit Window

Once a refund is requested, Apex Credit Group has 30 days to review all three credit bureaus, audit your account, and verify that no deletions occurred.

6. Refund Request Timeframe

Refund audits must be requested between days 91 and 120 from the date of your first payment (which activates your account).

Continuing the program beyond day 120 waives your right to a refund.