Guarantee 110 %

How to explain it to your client in 30 seconds

• What your client does: keeps their 3-bureau monitoring for 12 consecutive months and sends 9 rounds from the platform, one every 40 to 50 days.
• What they watch out for: does not open installment loans, does not generate new late payments, and keeps their card usage at 6% or less.
• What they receive if their credit does not improve: 110% of what they paid for monitoring and postal mailings.

What you must not say: that they will raise points or delete accounts. The guarantee is their backing; it is not a promise of results.

What the guarantee covers

If the client meets the eligibility requirements for 12 consecutive months and their credit does not improve according to the platform's monitoring reports, we refund 110% of what they paid for their credit monitoring subscriptions and for the postal mailings used in their dispute rounds.

The guarantee backs the complete process; it is not a promise of results. That is why each requirement ensures that the program was carried out from start to finish.

Eligibility requirements

To qualify, the client must meet the following 9 requirements:

• Complete 9 dispute rounds. One round every 40 days (9 in total during the 12 months). Each round is sent within the 40 to 50 day window from the previous one; if they let the window pass, they lose eligibility.
• Uninterrupted monitoring of the 3 bureaus. The subscription must be active and uninterrupted for the full 12 months. Canceling the service or filing a chargeback on the monitoring disqualifies the claim.
• Postal mailing integrated into each round. All rounds are sent with the platform's postal mailing service (USPS First-Class Mail). A chargeback on any mailing payment disqualifies the claim.
• No new negative items. During the 12 months they must not generate new late payments or negative accounts, or open new installment loans.
• Credit utilization of 6% or less by the 8th round. Total utilization must be equal to or below 6% at the latest by the 8th round.
• Utilization of 6% or less when claiming. They must keep it at 6% or less when submitting the claim.
• 60-day wait after the 9th round. They must wait 60 days after sending the 9th round to submit the claim, so that the bureaus can respond.
• Improvement is measured with the platform's reports. The result is evaluated only with the 3-bureau monitoring reports associated with the client's account in Financore Platform. Reports from external services are not accepted.
• 30-day claim window. The claim is submitted within the 30 days following the end of the 60-day wait.

How to submit a claim

Send it by email to [email protected] with the subject “110% Guarantee Claim” and include:

• Proof of the 9 rounds sent, with their dates (visible in the Financore Platform panel).
• Confirmation of the 3-bureau monitoring subscription, active and uninterrupted for the 12 months.
• Proof of postal mailing for each round.
• Records of the client's credit utilization (at the 8th round and when claiming).

We respond within 30 days of receipt and issue a final decision within a maximum of 60 days. All of the client's progress is documented in the panel: rounds, dates, and reports.

Important deadlines

• Every 40 days: sending of a new round (40 to 50 day window).
• 12 months: total duration of the program with active monitoring.
• 60 days: mandatory wait after the 9th round before claiming.
• 30 days: window to submit the claim once the wait is complete.
• 30 days: maximum time for our first response.
• 60 days: maximum time for the final decision.

Conditions and limitations

• The guarantee applies only when the client's credit did not improve during the 12 months according to the platform's monitoring reports. If their score increased, the program's goal was met and the guarantee does not apply.
• The maximum refund is 110% of the amounts actually paid for monitoring and postal mailing of the 9 rounds. Financore Platform's liability is limited to those amounts.
• Financore Platform is not responsible for the decisions of the bureaus, creditors, or collectors, which are independent third parties, nor for the user's financial behavior during the period.
• Any chargeback on monitoring or postal mailing payments disqualifies the claim.
• One claim per account and per person. The guarantee is not transferable.
• Financore Platform may verify all documentation and reject claims that do not meet all of the requirements on this page.

Results vary according to each person's profile and are not guaranteed. See our disclosures. Financore Platform is not a legal or financial advisor; this content is informational. Know your rights at the CFPB and the FTC.