Terms & Conditions & Program Rules

Thank you for trusting My Credit Sharks to help you improve your credit health. Our goal is to remove inaccurate, negative items and help you boost your credit profile through consistent effort and teamwork. Please carefully review the following terms and conditions for our 90-Day Money-Back Guarantee:

1. Program Duration & Updates

The duration of the program may vary depending on the client’s credit report and the amount of work required.

You will receive a credit progress update every 30 days to review changes and improvements.

2. Guarantee Conditions

To qualify for the 90-Day Money-Back Guarantee, the following conditions must be met throughout the entire program:

A. Active Credit Monitoring

You must maintain an active credit monitoring service (such as IdentityIQ, SmartCredit, Credit Hero Score, or any other monitoring service needed) with no interruptions for the full duration of the program.

Any lapse, cancellation, or failure to provide updated login information may void the guarantee.

B. Continuous Program Participation

Your My Credit Sharks account must remain active with no interruptions or missed payments.

If a payment fails, we will attempt to collect again. If the account is not reactivated within 24 hours, your guarantee will be voided.

C. Credit Card Utilization

Your credit utilization must not increase from the time you start the program.

Ideally, your credit utilization should remain under 30% for best results.

Any significant increase in debt or new negative accounts may affect your results and void the guarantee.

3. Scope of Services

My Credit Sharks works to remove inaccurate or unverifiable negative items from your credit reports with the major bureaus (Experian, TransUnion, and Equifax).

We focus on improving accuracy and optimizing your profile.

Please note: We cannot directly lower your credit score. The reason is that we do not have your full Social Security Number—only the last 4 digits—which limits access to certain credit-impacting actions.

4. Teamwork & Communication

Credit repair is a collaborative process. We rely on your timely cooperation to provide documents, respond to requests, and keep your monitoring active.

You agree to promptly notify My Credit Sharks of any changes in your credit monitoring or personal information.

5. Money-Back Guarantee Criteria

You may request a refund under the 90-Day Money-Back Guarantee if:

You have met all requirements listed above,

You have remained active for the full 90 days, and

No inaccurate or unverifiable negative items were deleted or improved during the program period.

Refund requests must be submitted in writing to our support team within 7 calendar days after the 90-day term is complete — weekends included.

6. Final Reminder

We’re in this together!

Our team is committed to helping you reach your credit goals through honesty, effort, and teamwork. Please remember:

“There is nothing My Credit Sharks can do to lower your score — we are here to help improve it through legitimate, effective methods.”

Thank you again for choosing My Credit Sharks.

If you have any questions, please don’t hesitate to reach out to our support team.