Refund policy

REFUND POLICY

Pearson Credit Academy
Last Updated: April 22, 2026

1. Overview

Pearson Credit Academy provides credit education, consulting, and credit support services. Because our services involve time, labor, and professional work performed on behalf of each client, our refund policy is structured around service completion and legal compliance.

This Refund Policy is part of, and incorporated into, the Pearson Credit Academy Terms of Service.

2. CROA 3-Business-Day Cancellation Right

In compliance with the Credit Repair Organizations Act (CROA), you have the right to cancel your contract without penalty or obligation within three (3) business days of signing.

If you cancel within this period, you are entitled to a full refund of any payments made.

To cancel, you must submit written notice to:

Help@PearsonCreditAcademy.com

Your cancellation must include your full name and account details.

3. Refunds After the 3-Day Period

After the initial 3-business-day cancellation window, all payments are considered earned for services rendered or reserved, and refunds are not guaranteed.

Refund requests after this period will only be considered if:

The client has fully complied with all service requirements
The client has participated in the program as instructed
The client has submitted all required documents and responses in a timely manner
The account has been active and in good standing
There is documented failure of service delivery attributable to Pearson Credit Academy

4. Refund Evaluation Policy

If a refund request is approved after review, Pearson Credit Academy may:

Deduct fees for services already performed
Deduct administrative and processing costs
Issue partial refunds based on completed work

Refunds are not automatic and are granted solely at the discretion of Pearson Credit Academy after full account review.

5. No Guarantee of Results

You acknowledge and agree that:

Credit results vary by individual circumstances
Credit bureaus and creditors control reporting outcomes
No specific score increase or deletion is guaranteed
We do not guarantee loan, credit, housing, or financing approvals

All services are provided on a best-effort professional basis only.

6. Non-Refundable Items

The following are non-refundable after purchase or delivery:

Completed services or work already performed
Digital products (templates, PDFs, downloads)
Consultation time or coaching sessions already delivered
Administrative setup or onboarding fees (if applicable)

7. Chargebacks & Disputes

By purchasing, you agree not to initiate chargebacks without first contacting us to resolve any concerns.

Unauthorized chargebacks may result in:

Immediate termination of services
Suspension from future services
Collection actions for unpaid balances
Loss of access to digital products or services

8. Cancellation After Enrollment

You may cancel services at any time; however:

Cancellation after the CROA period does not guarantee a refund
You remain responsible for payment of services already rendered or in progress

9. Refund Request Process

All refund requests must be submitted in writing to: