Cancellation Policy
This page explains how to cancel your Lifeify service and what happens when you do.
Your 3-day right to cancel
Federal law gives you the right to cancel your contract with any credit repair organization, for any reason, within 3 business days of the date you signed it — at no charge and with no obligation.
To use this right, notify us in writing within those 3 business days at:
Lifeify, 7660 Monterey Street, Suite 202, Gilroy, CA 95020
or [email protected]
This right cannot be waived, and nothing in your agreement with us can take it away.
Your service term
Enrollment runs for an initial term of six months, beginning on the date you sign your service agreement.
Renewal
At the end of your six-month term, enrollment renews automatically for a further six months on the same terms, unless we receive written notice from you before your current term ends.
To stop the renewal, send written notice by email to [email protected] or by text message before your term is up. Please include your full name and date of birth so we can match the request to your file. We will confirm receipt in writing.
How to cancel
- Within the first 3 business days of signing. Cancel for any reason at no charge and with no obligation, using the written notice described above. This is a federal right and it cannot be waived.
- At the end of your term. Send written notice by email or text before your six months are up. If we do not receive it, your enrollment renews for another six months.
What you pay, and when
These are the charges that can apply to your account. Which ones apply depends on the plan you choose and on what happens during your enrollment.
| Charge | Amount | When it applies |
|---|---|---|
| Consultation fee | $1 | Before your consultation. It covers pulling your credit report, which we review with you on the call. We do not hold consultations without a report in front of us. |
| Audit fee | $200 | At enrollment. The amount is the same whether you choose Basic or Premium. This fee is not refundable. |
| Monthly service fee | $129 Basic $199 Premium |
First charged 10 days after the audit fee, then every 30 days thereafter. |
| Credit monitoring | Set by the provider | Paid by you directly to a third-party credit monitoring service such as IdentityIQ or Credit Hero. This money does not come to Lifeify. Monitoring is required because the work depends on an updated report every 30 days. |
| Late payment | $25 | Per occurrence, if a payment is not received within 3 calendar days of its due date. |
| Returned payment | $45 | If a payment is returned or declined — insufficient funds, a declined card, or a returned ACH transaction. The fee reflects what our processor charges us when a payment fails. |
| Debt settlement negotiation Premium plan only |
$45 per settlement | For each settlement we successfully negotiate and you accept. Payable before we send the negotiated payment to the collection agency on your behalf. |
| Re-negotiation | $45 | If you accept a negotiated settlement and the funds are not then provided, and the account has to be negotiated again. A debt negotiated twice therefore carries $90 in negotiation fees in total. |
Your monthly service fee pays for the work carried out during that month. The $200 audit fee is not refundable.
Refunds
Lifeify does not offer refunds, with one exception that federal law requires and that is set out below.
- The $200 audit fee is not refundable. It covers opening your file and starting the work.
- Monthly service fees already charged are not refunded. Each monthly fee pays for the work carried out during that month.
- Cancelling does not end your six-month term. Your enrollment continues to the end of the term you signed up for.
The one exception: your 3-business-day right. If you cancel within 3 business days of signing your contract, you are entitled to do so without penalty or obligation, and any fees paid for the credit repair services under that contract are returned to you. This right comes from the Credit Repair Organizations Act. It cannot be waived, and nothing in your agreement, on this page, or anywhere else on this website overrides it.
If you believe we have not carried out the work described in your agreement, tell us. Contact us at [email protected] or 1-866-LIFE-IFY and we will review your file with you.
What happens to your file
When your service ends, we stop submitting new disputes on your behalf. Disputes already with the bureaus will complete on their own timeline, and the bureaus will send results directly to you.
You may request a copy of your file at any time, including after cancellation. See our Privacy Policy for how long we keep records.
You can always dispute on your own
Whether or not you work with us, you have the right to dispute inaccurate information directly with the credit bureaus yourself, free of charge. Our Credit Repair Disclosure explains how, and sets out your rights under federal law.
Need to cancel, or have a question?
Lifeify7660 Monterey Street, Suite 202
Gilroy, CA 95020
1-866-LIFE-IFY (543-3439)
[email protected]
Helping families strengthen their credit and improve their quality of life — one clear step at a time.