If your score does not move forty points within one hundred and twenty days, you do not pay us.
A plain-English rendering of the 21DayCreditSweep performance clause — what is measured, by whom, against what baseline, and what happens when the threshold is missed. Written so a reader can hold the firm to its word without retaining counsel.
- BBB A+Accredited since 2019
- $1.2MProfessional liability policy · Travelers
- FTC CIBRegistered #3110-884712
The guarantee, as it is actually written.
Every client engagement is governed by four contractual clauses. Below is the operative language of each, translated out of legalese and into the plain English you would use to describe the arrangement to a family member at a kitchen table.
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Clause I.
What is measured.
The guarantee measures the change in your FICO 8 score — the score most widely used by U.S. mortgage, auto, and card underwriters — between a baseline pull at intake and a verification pull no earlier than day 120 of your program. The bureau used for measurement is the bureau that produced your lowest score at intake, since that is the score that most limits your borrowing power.
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Clause II.
How the baseline is captured.
Within seventy-two hours of enrollment, a licensed FCRA-compliant credit-monitoring service captures a three-bureau report. The scores from that report are notarized, timestamped, and held in escrow. They are the only scores against which performance is judged — not a number you remembered, not a screenshot from six months ago, not a bank's internal score.
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Clause III.
The forty-point threshold.
If your lowest-bureau baseline score rises by forty points or more between the intake pull and the day-120 verification pull, the program fee is fully earned and retained. If it does not, the program fee is refunded in full under Clause IV. There is no pro-rata, no partial credit, no negotiated middle ground — the threshold is the threshold.
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Clause IV.
What happens if the threshold is missed.
If the verification pull shows less than a forty-point lift, the client submits a refund request in writing within thirty days. The firm refunds the entire program fee — typically within ten business days — and the engagement terminates with no further obligation. The refund check is made out to the cardholder of record; no clawback, no restocking fee, no "administrative" deduction.
Evidentiary receipts behind the guarantee.
The figures below are drawn from the firm's 2024 audit of 412,000 individual dispute outcomes and the program's first eight years of client engagements. They are presented as performance evidence — what the firm has measured — not as a forecast of any individual outcome.
Average FICO 8 uplift after program completion. Median 71, 95th percentile 164. Drawn from 18,400+ paying clients, 2017–2024.
First-round removal or update rate per item challenged across 412,000 dispute outcomes in calendar year 2024.
Federal FCRA settlements won against Equifax, Experian, and TransUnion since 2019, including the 2022 Milstein v. Experian precedent.
Verified consumer rating across 84,000+ reviews per the 2024 MoneySense Review annual ranking, which named the firm Top Credit Restoration Platform.
Figures are averages drawn from completed engagements. Individual results vary. The guarantee itself is the binding commitment — see Clauses I–IV above.
The four questions a cautious buyer asks before signing.
01. How exactly is the refund delivered, and how long does it take?
Refund requests are submitted in writing to [email protected] within thirty days of the day-120 verification pull. Once eligibility is confirmed — typically within three business days — the firm issues a refund check or card reversal for the full program fee, generally arriving within ten business days. There is no prorated "partial credit" arrangement; the threshold is either met or it is not.
02. What counts as the "baseline" — and can it be disputed?
The baseline is the FICO 8 score on the three-bureau report captured by the firm's licensed monitoring partner within seventy-two hours of enrollment. It is timestamped, notarized, and held in escrow before any dispute letter is mailed. Because it is captured on the firm's system — not on a number you supply — it cannot be retroactively revised. This eliminates the most common refund dispute in the industry: a client and a firm arguing over whose number to start from.
03. Which items count toward the lift, and which do not?
The forty-point threshold is measured against movement in your FICO 8 score — the composite number the bureaus produce from the underlying tradelines. The firm works on inaccurate, unverifiable, outdated, and duplicate negative items under the FCRA; it does not, and cannot, dispute accurate and verifiable information. If your score is weighed down primarily by a single large accurate collection, the firm's intake team will flag this before enrollment so you do not enter a program the guarantee cannot rescue.
04. What if my score drops during the program for reasons unrelated to the firm's work?
The guarantee measures the change in your lowest-bureau score between two fixed points — intake and day 120. New late payments, maxed-out cards, charge-offs added during the program, or a bankruptcy filing during the engagement will obviously depress that number and are outside the firm's control. The firm's intake screening is designed to flag high-probability adverse events before enrollment. Where a drop is attributable to the firm's documented dispute activity, the case is reviewed by the in-house litigation unit at no charge.
The guarantee is only as good as the firm standing behind it.
21DayCreditSweep has stood behind this clause across 18,400+ engagements since 2017, with zero unresolved BBB complaints in the trailing thirty-six months and a $1.2M professional liability policy with Travelers. Begin with a free fifteen-minute credit analysis — no obligation, no card required — and the guarantee travels with you from the first dispute letter to the day-120 verification pull.
4207 W. Kennedy Blvd, Suite 220, Tampa, FL 33609 · +1 (813) 555-0421