Refund & Cancellation Policy

1. Cancellation Period

You have 3 days from your membership start date to cancel your membership and receive a full refund of your initial payment. This applies to all membership plans — Essential, Growth, and Prosper.

2. How to Cancel & Request a Refund

To cancel within the 3-day refund window, contact our support team at support@creditblooms.com or through our Contact page. Please include your name, email associated with your account, and the date you signed up. We will process your refund within 5-10 business days.

3. After the 3-Day Window

After the 3-day cancellation period, membership fees are non-refundable. You may cancel your membership at any time, and cancellation will take effect at the end of your current billing cycle. You will continue to have access to your membership benefits until the end of that billing period.

4. Managing Your Membership

Existing members can manage their membership, update payment methods, upgrade or downgrade plans, and cancel through the Stripe Customer Portal. Navigate to the Manage Membership page to access your account.

5. What Happens to Your Data When You Cancel

Upon cancellation, your membership access will end at the conclusion of your current billing period. Previously reported rent payment history remains on your credit file — we cannot remove accurate payment history from credit bureau records, as this is governed by the Fair Credit Reporting Act (FCRA). You may request deletion of your personal account data by contacting us. Note that reported payment history cannot be deleted from credit files even if your account data is removed from our platform.

6. Plan Changes

You can upgrade or downgrade your membership plan at any time through the Manage Membership portal. When upgrading, you will be charged the prorated difference for the remainder of your billing cycle. When downgrading, the lower rate will apply at the start of your next billing cycle.

7. Contact

For questions about our refund or cancellation policy, contact us at support@creditblooms.com or through our Contact page.