If you don't get any results by your third monthly update, Auto or AutoMax keeps working for you, completely free, until you do. Every condition below has to be met.
Your first 850ai report after Auto or AutoMax starts is the baseline. Each later monthly 850ai report is an update. The third of those is your third monthly update. If that report still has no qualifying result, and you have met every condition, you can ask us to waive the subscription fee from then on.
Missing one means the guarantee does not apply. These conditions also stop the free period from being used when the reports, the documents, or the deadlines were not kept up.
Auto or AutoMax, without a break
The plan is Auto or AutoMax, in your name, from the day it starts until the free period ends. Send does not qualify. Canceling, pausing, downgrading, letting a payment fail, or leaving a gap ends it. It cannot be transferred, and one person gets one free period.
Inaccurate information on the first report
The first 850ai report after you subscribe has to show information that is inaccurate, incomplete, or not yours. The system is not designed to remove accurate, current, verifiable information, and this guarantee does not apply to it. If the bureaus later verify every one of those items as accurate, or none of them remains, the free period ends.
Driver’s license, Social Security card, and proof of residence
Before the first round goes out, upload a legible, current, unexpired driver’s license or state ID, a clear copy of your Social Security card, and proof of residence. Proof of residence is a utility bill or another document a bureau accepts to validate your identity and where you live. The name and address have to match your credit report and your account. A blurry, cropped, expired, altered, or someone else’s document does not count. If we or a bureau reject one, upload a replacement within 14 days.
Upload every bureau and creditor response
Upload every written response you receive from Equifax, Experian, TransUnion, a creditor, or a collector within 14 days of receiving it. That includes the bureau responses and the creditor responses you actually received. You do not upload a letter that never arrived. Holding one back, throwing it away, or uploading only part of it ends the guarantee.
On-time payments, so no deadline is missed
Pay the subscription on time through the third monthly update, and keep your own credit accounts current. A new late payment on your credit report ends the guarantee. A late or failed subscription payment that stops a round does too. Staying current is what keeps the dispute deadlines from being missed.
Let every round go out
Authorize each round the plan prepares. Pausing follow-up or declining a prepared round ends the guarantee. Keep a current U.S. mailing address, email, and phone number on the account so responses can reach you.
No freeze or block
Do not have a security freeze, credit lock, fraud alert that blocks a dispute, or any other block on Equifax, Experian, or TransUnion. If one appears, remove it within 7 days of notice.
No new credit, and no new inquiries
Do not open a new credit account or allow a new hard inquiry from the day you subscribe until the free period ends. New accounts and inquiries add information while a dispute is being investigated, and that can delay a result. An 850ai report pull is not a hard inquiry. An inquiry or account that is identity theft does not count if you upload a police report or an FTC identity-theft report for it.
Nothing new and negative that you are responsible for
A new collection, charge-off, bankruptcy, judgment, or tax lien that you are responsible for ends the guarantee. It changes the file while a dispute is open.
No chargebacks, and true documents
A chargeback or payment reversal ends the guarantee, and we can bill again for time that was free. Forged, stolen, or altered documents, or disputing an item you know is accurate, voids it. Answer a request for a missing document or a clarification within 14 days.
Disputes already in progress elsewhere wait
An item another company is already investigating when you subscribe is not counted until that investigation ends and a new 850ai round is sent.
Email support@my850.ai with the subject “Results Guarantee.” Send it while Auto or AutoMax is still active, on or after the day of your third monthly update, and no later than 30 days after that update. We confirm a complete request within 30 days and send a decision within 60 days. We may ask you to confirm your identity. Our account records, your uploads, and your 850ai reports are what we use. A request that misses a condition is declined, and billing continues.
The Auto or AutoMax subscription fee is $0 until a qualifying result shows on a later 850ai report, or until a condition above fails. The plan’s included work continues. Months you already paid are not refunded. Tradelines, token packs, and other separate purchases are not included. Canceling ends the free period and does not turn it into cash.
A qualifying result is a deletion, correction, or update, by a bureau or a furnisher, of an item that was inaccurate, incomplete, or not yours on your first 850ai report. A score change by itself is not a result. An item aging off, a payment on an accurate debt, and a change you get outside 850ai are not results. We use 850ai reports only.
You can cancel credit-repair services for any reason before midnight of the third business day after you accept the terms, with no penalty. That right does not depend on the conditions above. It is in Section 17 of the Terms, with the Notice of Cancellation.
A plan paid on my850.ai is month to month. Cancel it in your account billing settings. Access continues through the end of the period you already paid. After the 3-business-day window, we do not refund that current period. The results guarantee waives later subscription charges. It does not refund the charges before it starts.
A plan bought in the iPhone app or the Android app is charged by Apple or Google. We cannot set that price to $0. Turn renewal off in your Apple ID or Google Play subscriptions at least 24 hours before the period ends. During an approved free period, ask Apple at reportaproblem.apple.com, or Google Play from your order history, to refund a charge whose whole billing period is inside that free period. If the store declines, or you would rather not ask it, email support@my850.ai and we refund that charge. We do not refund a charge the store already refunded, or a charge from before the free period.
This guarantee applies to Auto or AutoMax subscriptions that start on or after October 18, 2026. A subscription that started before that keeps the guarantee in the Terms you accepted, and does not also get this one.
The contract version is Section 17(h) of the Terms of Service. Questions: support@my850.ai. Zilac Development (d/b/a 850 Boost Club / 850AI).