Effective date: August 2, 2026
This policy covers the business credit building services provided by Ebony Credit Solutions. These are commercial services delivered to a business entity to establish and build its own commercial credit profile. They are not consumer credit repair, and this policy is kept separate from consumer services by design. We do not dispute items on personal consumer credit reports, and we do not market these services as a way to change anyone’s personal credit outcome.
What we commit to
We provide business credit building as a service of effort, not of outcome. Under your service agreement we agree to deliver the work described there, which generally includes:
- Business credibility setup: entity, EIN, business address, phone listing, website and email alignment
- Business credit bureau foundation, including D-U-N-S number registration and profile setup with Dun & Bradstreet, Experian Business, and Equifax Business
- Guidance establishing vendor and net-30 trade accounts that report to the business credit bureaus
- Progression to revolving store, fleet, and business credit accounts as your profile supports it
- Profile monitoring, progress tracking in the client portal, and funding readiness guidance for the engagement period
We deliver these services on a best-efforts basis. We do not guarantee approval by any vendor, lender, or bureau, or any specific business credit score, credit limit, or funding amount. Those decisions rest with third parties and are outside our control.
Three business days to change your mind
You may cancel for any reason within three (3) business days of enrolling, without penalty or obligation. Any amount you have paid will be refunded in full. To cancel, email help@ebonycredit.com or call (347) 404-5753.
Refunds are based on our performance
After the three-day window, refund eligibility is tied to whether we delivered the work, not to whether a third party granted a particular result.
- If we fail to deliver a service or milestone described in your agreement, you may request a refund of the fees paid for that undelivered work.
- If a vendor, lender, or bureau declines your business after we performed the contracted work, that is not a basis for a refund, because the decision was not ours to make.
What is not refundable
Fees for services and milestones actually delivered are earned upon delivery and are not refundable. That includes credibility review and setup completed, bureau registrations filed, vendor account guidance provided, and strategy work performed for your company. An unsatisfactory decision by a vendor, lender, or credit bureau is not grounds for a refund of work we already completed.
Cancelling the engagement
You are never locked into a long contract. You may cancel at any time by contacting us. When you cancel:
- No further payment-plan charges will be made.
- Amounts paid for work already delivered are not refunded.
- Amounts you prepaid for work we had not yet delivered are refunded under the performance rule above.
How to request a refund
Email help@ebonycredit.com or call (347) 404-5753 with:
- The name of your business and the name on the account
- The email address and phone number you enrolled with
- The date you enrolled
- Which service or milestone you believe was not delivered
We will respond within five (5) business days. Approved refunds are returned to the original payment method. Please allow 5 to 10 business days for the refund to appear, depending on your bank or card issuer.
Consultations are free
Our initial consultation and business credit analysis review carry no cost and no obligation, so there is nothing to refund for those.
Before you file a chargeback
If something is wrong with your account or a charge does not look right, please contact us first. Most issues turn out to be a misunderstanding we can fix the same day. A chargeback filed without contacting us takes far longer to resolve for everyone involved.
Your rights
Nothing in this policy waives or limits any right you have under applicable law. Any provision that would attempt to do so does not apply.
Questions
Call (347) 404-5753, email help@ebonycredit.com, or use our contact form. This policy works together with our Terms of Service.