Billing and Refunds
Road To Perfect Credit
What you are charged
$79.00 US dollars per month. The first charge is taken when you enroll. Each following charge is taken on the same day of the month until you cancel.
No enrollment fee. No setup fee. No cancellation fee. No minimum term. No other charges of any kind.
Your three business day right to cancel
You may cancel for any reason before midnight of the third business day after you enroll, and receive a full refund of everything you have paid. This right is guaranteed by federal law, it cannot be waived, and we will not ask you why.
See the Notice of Cancellation. Mailing that form always works. Emailing support@creditbuilder4u.com or calling (573) 400-4335 works just as well and is faster.
Cancelling after that
Cancel any time from your account, by email, or by phone. There is no fee and no exit process to sit through.
When you cancel, you are not charged again. Your access continues to the end of the period you have already paid for, and then stops. We do not pro-rate part months.
Refunds after the third business day
Because the entire course unlocks in full the moment you enroll, monthly payments after the statutory cancellation window are generally not refundable.
That is the policy. It is not how we behave when something has actually gone wrong. If you were double charged, charged after cancelling, could not access what you paid for, or bought twice by mistake, email us and we will refund it. We would rather return money than argue about it.
Failed payments
If a payment fails, access pauses until it clears. We do not send the account to collections, we do not add fees, and we do not report anything to a credit bureau. If the payment never clears the subscription simply ends.
Chargebacks
If you are considering disputing a charge with your bank, email us first. Almost every chargeback we could receive is something we would have simply refunded on request.
How to reach us
support@creditbuilder4u.com
(573) 400-4335
Black Diamond Taxes & Financial Services, Jackson, Missouri
Document version 1.0. Last updated 27 August 2026.