3 Business Days
You have 3 full business days from the date you signed your contract to cancel — no questions asked.
Zero Penalty
Cancellation within the 3-day window carries absolutely no fees, charges, or financial obligations.
Written Notice Required
Your cancellation must be submitted in writing. Use the form below or send written notice to our address.
Your Right to Cancel — Federal Law
Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., you have the right to cancel your contract with 850 FICO Club at any time before midnight of the third business day after the date you signed the contract.
This right cannot be waived or limited in any way. Any provision in a contract that attempts to waive this right is void and unenforceable under federal law.
"Business days" means any day other than Sunday or a federal legal public holiday. Count the day after you signed your contract as Day 1.
Official Federal Notice — CROA § 1679c
Mandatory DisclosureYou entered into a contract with 850 FICO Club for credit repair services. Federal law provides that:
"You have a right to cancel this contract, for any reason, within 3 business days from the date you signed it."
If you cancel, 850 FICO Club must refund any money paid by you within 10 calendar days of receiving your cancellation notice. 850 FICO Club must also return any contracts or other documents you may have signed.
To cancel, you must notify us in writing. You may use the cancellation form on this page, send a written letter, or send an email clearly stating your intent to cancel and identifying your contract.
How to Cancel Your Contract
To exercise your right to cancel, you must notify 850 FICO Club in writing within 3 business days of signing your service agreement. Follow the steps below:
Prepare Your Written Notice
Write a clear statement that you are canceling your contract with 850 FICO Club. Include your full name, the date you signed your contract, and your contact information. You may use the cancellation form below.
Send Before the Deadline
Your written notice must be sent (not just postmarked) before midnight of the third business day following the date of your contract. If you are mailing the notice, use a method that provides delivery confirmation.
Deliver to 850 FICO Club
Send your cancellation notice to us via email at info@850ficoclub.com Keep a copy of everything you send.
Receive Your Refund
Once we receive your valid cancellation notice, 850 FICO Club is required by law to refund any payments made within 10 calendar days and return any signed documents to you.
Cancellation Form
You may use the form below as your written notice of cancellation. Print this page, complete all fields, sign, and deliver to 850 FICO Club via email, phone, or certified mail before the deadline.
Notice of Cancellation
Keep a copy of your completed cancellation form for your records. If mailing, use certified mail with return receipt requested so you have proof of delivery and the date sent.
Cancellation After 3 Business Days
If more than 3 business days have passed since you signed your contract, you may still cancel your services at any time by providing written notice to 850 FICO Club. However, the automatic no-penalty cancellation right under CROA applies only within the 3-business-day window.
For cancellations outside the 3-day window, please refer to the terms outlined in your Service Agreement or contact us directly to discuss your options. We are committed to transparent communication and will work with you in good faith.
Have questions about your cancellation rights or need assistance? Email info@850ficoclub.com. Our team is available Monday–Friday, 10AM–6PM EST.
Prohibited Practices Under CROA
The Credit Repair Organizations Act prohibits credit repair companies from engaging in the following practices. 850 FICO Club is fully committed to compliance with all applicable federal law:
Charging Fees Before Services Are Performed
Under CROA, a credit repair organization may not charge or receive any money before the promised services have been fully performed.
Making False or Misleading Statements
Credit repair organizations may not make any untrue or misleading representation of services, or advise clients to make any untrue or misleading statement to a consumer reporting agency or creditor.
Altering Consumer Identification
Credit repair organizations may not advise any consumer to alter their identification for the purpose of concealing adverse credit history.
Waiving Consumer Rights
Any waiver of a consumer's rights under CROA is void and unenforceable. 850 FICO Club will never ask you to waive your legal rights.
This Notice of Cancellation is provided in accordance with the requirements of the Credit Repair Organizations Act, 15 U.S.C. § 1679c. 850 FICO Club provides credit education, credit report analysis, and dispute assistance guidance. We do not guarantee the removal of accurate information or specific credit score increases. This page does not constitute legal advice. For legal advice specific to your situation, consult a licensed attorney. © 2026 850 FICO Club. All rights reserved.