*if your card is charged on the 2nd of the month, your set payment date will be the 2nd of each month throughout the program. Your monthly payments are always billed in the arrears, and covers the cost of the work performed, documents processed, and letters drafted from the month prior.*

​

6. Cancellation of services MUST be requested 30 days in advance, in writing, by sending an email of request to cancel to email: slfs@slfinancials.com AND by sending a letter signed and dated to address:

Credit State Of Mind

Attn: Stacey Gordon

1221 Turner Street Suite 202,

Clearwater, FL 33756.

​

7. Chargebacks are PROHIBITED and will be prosecuted to the FULLEST extent of the law.

​

8. Money-Back Guarantee: You are entitled to a 100% refund on all monthly payments if:

• We don't get at least 1 deletion.

• You have been in our program for at least 180 days from the time you signed up.

• You have not used another credit repair/consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.

• You have had no new collections or missed payments during the time frame we are assisting you.

• You have maintained active credit monitoring services at all times during the timeframe we are assisting you, without any interruption.

• You agree to send updated reports/responses from the three credit bureaus, creditors and collection agencies to us within 5 days of receipt.

• You should receive updated credit reports/responses every 35-45 days and make us aware if updated reports have not been received.

9. Credit State Of Mind does NOT guarantee any deletions, credit scores, or specific timeframes in which results will be achieved. This is against the law, CROA to be exact. You should be cautious of any company that guarantees anything, except the fact that they are guaranteeing to work on your behalf and provide 100% effort into the work that they perform.