MCQ service terms: 3-day cancellation, billing, success fees, and CROA/FCRA disclosures. Review before you enroll.
Terms and Service Agreement disclosures
Nature of our services
Monthly Credit IQ is a credit education, credit management, and credit repair services company. We are not a law firm and do not provide legal advice or representation. You should consult a licensed attorney for legal advice about your individual situation.
We review information you provide, help identify information that may be inaccurate, incomplete, or unverifiable, and assist with documentation and dispute processes. Credit outcomes vary. We do not guarantee a specific credit score, score increase, approval, financing result, or removal of accurate information.
Written contract and cancellation
Services are provided under a written agreement. You may cancel the agreement without penalty within three business days after signing by following the cancellation instructions in your agreement.
The Bronze plan is $29.99 per month, has a low monthly commitment, and may be canceled at any time. Gold and Platinum customers may receive a refund for work that has not started, consistent with the written agreement and applicable law. No refund is promised for work that has already started or for a particular credit outcome.
Billing
Bronze (month-to-month): Client pays $29.99 per month for maintenance and management. If Client requests and authorizes dispute work, $29.99 applies to starting the dispute process and a separate $29.99 applies per digitally disputed item, each charged only after that work is performed; no dispute fee is assessed for silence, non-response, inactivity, or lack of contact. An optional Bronze success fee of $29.99 per qualifying item removed, per credit bureau, is billed only after bureau confirmation; no result is guaranteed. Additional credit inquiry removal under Bronze is $49 per inquiry, each time ordered. Success fees and inquiry-removal fees apply to Bronze only unless a higher package expressly includes the work.
Gold: $29.99 per month. The $29.99 setup fee is for the consultation and report analysis to determine what will be disputed before work officially starts. The $99 one-time fee for thirty (30) days of Gold service from the start date stated in this Agreement is collected only after that period's work is performed. Includes all Bronze features described for the enrollment period, plus the Gold deliverables listed on the pricing page and in this Agreement. Monitoring enrollment is separate when required.
Platinum: $29.99 per month. The $29.99 setup fee is for the consultation and report analysis to determine what will be disputed before work officially starts. The $499 one-time fee for ninety (90) days of Platinum service from the start date is collected only after that period's work is performed. Includes Gold-scope work plus Platinum deliverables listed on the pricing page and in this Agreement. Monitoring enrollment is separate when required.
Diamond: $29.99 per month. The $29.99 setup fee is for the consultation and report analysis to determine what will be disputed before work officially starts. The $999 one-time fee for twelve (12) months of Diamond service from the start date is collected only after that period's work is performed. Includes Platinum-scope work plus Diamond deliverables listed on the pricing page and in this Agreement. Monitoring enrollment is separate when required.
Unused days in a Gold, Platinum, or Diamond period are not refundable after work has started, except as required by the three-business-day cancellation right or other applicable law.
Fees are payable by Zelle, Chime, Bitcoin, Current, Varo, or Robinhood, as the Company directs at enrollment. The Company does not guarantee availability of every method at all times.
At the start of each selected package (Bronze, Gold, Platinum, or Diamond), the Company includes one (1) complimentary credit inquiry removal. After that complimentary removal, additional credit inquiry removal under Bronze is $49 per inquiry, each time ordered. This Agreement does not include free monthly or recurring free inquiry removal.
Compliance with FCRA, CROA, FTC, and CFPB requirements
Monthly Credit IQ operates with attention to the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), applicable Federal Trade Commission (FTC) requirements, and Consumer Financial Protection Bureau (CFPB) guidance. Consumers have rights to dispute inaccurate information and to receive investigation results. Accurate information is not required to be deleted.
Nothing on this website is a promise of a credit score increase, loan approval, or guaranteed deletion. Clients should review all disclosures, keep copies of their records, and report suspected inaccuracies to the appropriate credit reporting company.
SMS and iMessage terms
If you affirmatively opt in, Monthly Credit IQ may send recurring automated marketing and informational SMS or iMessage text messages to the number you provide. Consent is not a condition of purchase or service. Message frequency varies, and message and data rates may apply.
Reply STOP to opt out of campaign messages or HELP for help. Carriers are not liable for delayed or undelivered messages. You may also contact help@monthlycreditiq.com with questions about text messaging.
Service Agreement clauses
Parties
This Service Agreement is between Monthly Credit IQ (the Company) and the person who signs or electronically acknowledges the agreement (the Client). The selected package, Client information, and signed electronic record become part of the agreement.
Services
Depending on the package selected, the Company may provide credit monitoring coordination, credit education, report review and letter-drafting resources, dispute preparation and submission support, bureau follow-up, documentation assistance, tradeline or account-support education, and loan-preparation or business-launch support described in the applicable package.
The Company does not provide legal advice, does not control a credit bureau or lender, and cannot require a bureau to change information that is accurate, complete, and verifiable. The Client may dispute inaccurate information independently at no charge under the FCRA and CROA.
Service Agreement billing and success fees
Bronze (month-to-month): Client pays $29.99 per month for maintenance and management, payable via Zelle, Chime, Bitcoin, Current, Varo, or Robinhood. If Client requests and authorizes dispute work, $29.99 applies to starting the dispute process and a separate $29.99 applies per digitally disputed item, each charged only after that work is performed; no dispute fee is assessed for silence, non-response, inactivity, or lack of contact. An optional Bronze success fee of $29.99 per qualifying item removed, per credit bureau, is billed only after bureau confirmation; no result is guaranteed. Success fees and inquiry-removal fees apply to Bronze only unless a higher package expressly includes the work.
All four packages have a $29.99 per month rate. For Gold, Platinum, and Diamond, the $29.99 setup fee is for the consultation and report analysis to determine what will be disputed before work officially starts. The package fees are collected only after that period's work is performed: Gold $99 for thirty (30) days of service; Platinum $499 for ninety (90) days of service; Diamond $999 for twelve (12) months of service, each from the agreed start date. Fees are payable by Zelle, Chime, Bitcoin, Current, Varo, or Robinhood, as the Company directs. The separate monitoring signup link is not the package payment link.
At the start of each selected package (Bronze, Gold, Platinum, or Diamond), the Company includes one (1) complimentary credit inquiry removal. After that complimentary removal, additional credit inquiry removal under Bronze is $49 per inquiry, each time ordered. This Agreement does not include free monthly or recurring free inquiry removal.
One paid eligible Bronze invoice totaling $300 or more in total cost activates Gold status for 12 months; separate invoices may not be combined to reach the threshold. Inquiries are excluded from success fees.
No guaranteed score or result
The Company makes no guarantee about a credit score, score increase, account approval, interest rate, loan amount, or removal of accurate information. Individual results depend on the Client's complete credit profile, bureau records, lender criteria, and other factors outside the Company's control.
NOTICE OF CANCELLATION
The Client may cancel this Agreement without penalty within three business days after signing. To cancel, contact Monthly Credit IQ using the contact information below and clearly state that you are canceling the Service Agreement. When a refund is required for eligible unstarted Gold or Platinum work, the refund will be issued within 10 business days. The Bronze plan may be canceled anytime, but monthly charges already earned are not refundable.
Contact
Questions, cancellation notices, and written requests may be directed to Monthly Credit IQ call support at (850) 909-7456 — zero wait, available 24/7 — or help@monthlycreditiq.com.
Call support at (850) 909-7456 — zero wait, available 24/7 — or email help@monthlycreditiq.com.